Civic Intelligence

Community Credit Lab

990 • Fiscal year 2023 • EIN 84-1899948

Jan 01, 2023 to Dec 31, 2023 • Filed on Apr 12, 2024

Organization ProfileWWW.COMMUNITYCREDITLAB.ORG
450 Alaskan Way South 200Seattle, WA 98104-2785

(253) 693-0009

Siviq Scores

Precomputed percentiles for this filing year versus similar nonprofits in the same peer cohort.

Liabilities / Assets

68th percentile

0.31x

Higher debt load relative to assets than 68% of similar nonprofits.

2023 filings • 501(c)3 • $5M-$10M nonprofits • Source year 2023

Liabilities / Revenue

96th percentile

7.97x

Higher debt load relative to revenue than 96% of similar nonprofits.

2023 filings • 501(c)3 • $5M-$10M nonprofits • Source year 2023

Net Margin

3rd percentile

-121%

Higher net margin than 3% of similar nonprofits.

2023 filings • 501(c)3 • $5M-$10M nonprofits • Source year 2023

Top Officer Pay

22nd percentile

$0

Higher top officer pay than 22% of similar nonprofits.

Top officer pay equals 0.0% of source-year revenue.

2023 filings • 501(c)3 • $5M-$10M nonprofits • Source year 2023

Asset Growth

56th percentile

7.7%

Faster asset growth than 56% of similar nonprofits.

2023 filings • 501(c)3 • $5M-$10M nonprofits • Annualized from 2022 to 2023

Revenue Growth

1st percentile

-93%

Faster revenue growth than 1% of similar nonprofits.

2023 filings • 501(c)3 • $5M-$10M nonprofits • Annualized from 2022 to 2023

Balance Sheet
Liabilities / Assets68th percentile

Assets

Up

$7,718,349

Up $548,635 (+7.7%) from 2022

Net Assets

Down

$5,312,174

Down $212,873 (-3.9%) from 2022

Liabilities

Up

$2,406,175

Up $761,508 (+46%) from 2022

Revenue And Expenses
Liabilities / Revenue96th percentileNet Margin3rd percentile

Revenue

Down

$301,770

Down $4,329,363 (-93%) from 2022

Expenses

Up

$667,141

Up $556,486 (+503%) from 2022

Net Income

Down

-$365,371

Down $4,885,849 (-108%) from 2022

Historical Trend

Balance Sheet Trend

Asset Growth56th percentile

The highlighted filing sits inside the broader history for assets, liabilities, and net assets.

$10M$5.0M$0Assets 2019: $206,593Liabilities 2019: $5,000Net Assets 2019: $201,5932019Assets 2020: $762,061Liabilities 2020: $443,036Net Assets 2020: $319,0252020Assets 2021: $1,878,981Liabilities 2021: $1,334,127Net Assets 2021: $544,8542021Assets 2022: $7,169,714Liabilities 2022: $1,644,667Net Assets 2022: $5,525,0472022Assets 2023: $7,718,349Liabilities 2023: $2,406,175Net Assets 2023: $5,312,1742023Assets 2024: $8,960,354Liabilities 2024: $2,764,094Net Assets 2024: $6,196,2602024

Highlighted filing

2023

Assets$7,718,349
Liabilities$2,406,175
Net Assets$5,312,174
Open 2023 Filing

Operations Trend

Revenue Growth1st percentile

Revenue, expenses, and net income across loaded years, with this filing highlighted.

$6.0M$4.0M$2.0M$0-$2.0MRevenue 2019: $202,155Expenses 2019: $562Net Income 2019: $201,5932019Revenue 2020: $301,878Expenses 2020: $184,446Net Income 2020: $117,4322020Revenue 2021: $538,305Expenses 2021: $312,476Net Income 2021: $225,8292021Revenue 2022: $4,631,133Expenses 2022: $110,655Net Income 2022: $4,520,4782022Revenue 2023: $301,770Expenses 2023: $667,141Net Income 2023: -$365,3712023Revenue 2024: $887,481Expenses 2024: $3,395Net Income 2024: $884,0862024

Highlighted filing

2023

Revenue$301,770
Expenses$667,141
Net Income-$365,371
Open 2023 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2023 to Dec 31, 2023
Signed
Apr 12, 2024
Return Version
2023v5.0
Gross Receipts
$301,770
Mission and Program Overview

Mission

To support equitable access to economic opportunities for immigrants, refugees, low-income, marginalized, and underserved communities in king county and the united states.

Balance Sheet Detail
LineBeginningEndChange
Assets
Cash and Non-Interest-Bearing Accounts$4,916,151$4,683,856▼ $232,295
Other Notes and Loans Receivable, Net$1,617,575$2,760,381▲ $1,142,806
Accounts Receivable$627,599$272,812▼ $354,787
Prepaid Expenses and Deferred Charges$8,389$1,300▼ $7,089
Total Assets$7,169,714$7,718,349▲ $548,635
Liabilities
Unsecured Notes Loans Payable$1,575,225$2,406,175▲ $830,950
Accounts Payable and Accrued Expenses$69,442--
Total Liabilities$1,644,667$2,406,175▲ $761,508
Net Assets / Fund Balance
Net Assets Without Donor Restrictions$5,525,047$5,312,174▼ $212,873
Total Net Assets Fund Balance$5,525,047$5,312,174▼ $212,873
Total Liabilities and Net Assets / Fund Balance$7,169,714$7,718,349▲ $548,635
Compensation and Service Providers
Top Officer Pay22nd percentile

Board Members and Trustees

NameTitle
Sandhya NakhasiDirector and President
Jessica FeingoldDirector and Vice President
Jennifer NjugunaDirector
Victoria MonteiroSecretary
Tyra EdmondTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$232,463
Program Service Revenue
$0
Investment Income
$69,307
Other Revenue
$0
All Other Contributions
$232,463
Change in Net Assets
$-365,371
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$667,141
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Salaries, Compensation, and Employee Benefits$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Information Technology$5,363--$5,363
Other Expenses$1,033$1,214-$1,033
All Other Expenses-$612-$612
Insurance-$512-$512
Total Functional Expenses$624,803$42,338$0$667,141
Fundraising, Events, and Gaming
Fundraising activities
No
Gaming activities
No
Professional fundraiser used
No

Fundraising and Gaming Totals

Line ItemAmount
Professional Fundraising Fees$0
Political and Lobbying Activity
Political campaign activity
No
Lobbying activity
No
Subject to proxy tax
No
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Audit committee
Yes
Business relationship with 35% controlled entity
No
Business relationship with family members
No
Business relationship with organization members
No
Material changes to governing documents
No
Compensation from other sources disclosed
No
CEO compensation reviewed
Yes
Other officer compensation reviewed
Yes
Conflict-of-interest policy
Yes
Audited financial statements prepared
No
Key decisions subject to board approval
No
Management duties delegated
No

Governance Explanations

Form 990, Part VI, Section B, Line 11B

“Copy of the return is given to the board for review prior to filing.”

Form 990, Part VI, Section B, Line 12C

“Conflict of interest policy is reviewed annually by the board. Upon electing a new board member, a copy of the policy is given to the new member.”

Form 990, Part VI, Section B, Line 15

“Benchmarking and board discussion.”

Form 990, Part VI, Section C, Line 19

“The documents are available upon request, on candid & guidestar's website, and on the organization's website.”

Filing and Contact Details

Filer

Filer Name
Community Credit Lab
EIN
84-1899948
Phone
2536930009
Address
450 ALASKAN WAY SOUTH 200, SEATTLE, WA 98104-2785

Signing Officer

Name
Tyra Edmond
Title
Treasurer
Phone
2536930009
Signed
2024-04-12
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Sandhya Nakhasi
Formed
2019
Legal Domicile
Wa
Voting Board Members
5
Independent Board Members
5
Employees
0
Volunteers
5

Preparer

Firm
Marcum Llp
Address
1899 L STREET NW 850, WASHINGTON, DC 20036
Preparer
Aaron M Fox
Phone
2022274000
Supplemental Narrative

Additional Explanations

FORM 990, PART XI, LINE 9:

“Unrestricted net assets 2,498. Temporarily restricted net assets 150,000.”

Raw XML Appendix370 raw XML fields

This appendix keeps the raw XML leaves available for debugging and edge-case review. The human report above is the primary experience.

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IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0COPY OF THE RETURN IS GIVEN TO THE BOARD FOR REVIEW PRIOR TO FILING.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1CONFLICT OF INTEREST POLICY IS REVIEWED ANNUALLY BY THE BOARD. UPON ELECTING A NEW BOARD MEMBER, A COPY OF THE POLICY IS GIVEN TO THE NEW MEMBER.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2BENCHMARKING AND BOARD DISCUSSION.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3THE DOCUMENTS ARE AVAILABLE UPON REQUEST, ON CANDID & GUIDESTAR'S WEBSITE, AND ON THE ORGANIZATION'S WEBSITE.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4UNRESTRICTED NET ASSETS 2,498. TEMPORARILY RESTRICTED NET ASSETS 150,000.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990, PART VI, SECTION B, LINE 11B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990, PART VI, SECTION B, LINE 12C
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2FORM 990, PART VI, SECTION B, LINE 15
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3FORM 990, PART VI, SECTION C, LINE 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4FORM 990, PART XI, LINE 9:
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IRS990/TotalAssetsGrp/EOYAmt07718349
IRS990/TotalCompGreaterThan150KInd00
IRS990/TotalContributionsAmt0232463
IRS990/TotalEmployeeCnt00
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt042338
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt0624803
IRS990/TotalFunctionalExpensesGrp/TotalAmt0667141
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IRS990/TotalRevenueGrp/TotalRevenueColumnAmt0301770
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IRS990/WebsiteAddressTxt0WWW.COMMUNITYCREDITLAB.ORG
IRS990/WhistleblowerPolicyInd01
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ReturnHeader/AdditionalFilerInformation/TrustedCustomerGrp/IdentityAssuranceLevelCd0IAL1
ReturnHeader/AdditionalFilerInformation/TrustedCustomerGrp/TrustedCustomerCd00
ReturnHeader/BuildTS02023-04-26 12:10:37Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd01
ReturnHeader/BusinessOfficerGrp/PersonNm0TYRA EDMOND
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0TREASURER
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ReturnHeader/BusinessOfficerGrp/SignatureDt02024-04-12
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ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0111986323
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0MARCUM LLP
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt01899 L STREET NW 850
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ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0DC
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd020036
ReturnHeader/PreparerPersonGrp/PhoneNum02022274000
ReturnHeader/PreparerPersonGrp/PreparationDt02024-04-11
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0AARON M FOX
ReturnHeader/ReturnTs02024-05-06T08:51:52-05:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/SigningOfficerGrp/PersonFullName/PersonFirstNm0TYRA
ReturnHeader/SigningOfficerGrp/PersonFullName/PersonLastNm0EDMOND
ReturnHeader/TaxPeriodBeginDt02023-01-01
ReturnHeader/TaxPeriodEndDt02023-12-31
ReturnHeader/TaxYr02023

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Filings

Displayed year

2023 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$7,718,349
Liabilities
$2,406,175
Net assets
$5,312,174
Revenue
$301,770
Expenses
$667,141
Net income
-$365,371
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$8.96$2.76$6.20$0.89$0.00$0.88
2023Detailed filing. Detailed filing data is available for this year.$7.72$2.41$5.31$0.30$0.67$0.37
2022Detailed filing. Detailed filing data is available for this year.$7.17$1.64$5.53$4.63$0.11$4.52
2021Facts available. Structured filing facts are available, but richer extracted sections are limited.$1.88$1.33$0.54$0.54$0.31$0.23
2020Detailed filing. Detailed filing data is available for this year.$0.76$0.44$0.32$0.30$0.18$0.12
2019Summary only. Only limited summary data is available for this year.$0.21$0.01$0.20$0.20$0.00$0.20