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Credit Inc

Organization summary

Type of Nonprofit

Designated as a Organizations for any of the following purposes: religious, educational, charitable, scientific, literary, testing for public safety, fostering national or international amateur sports competition (as long as it doesn't provide athletic facilities or equipment), or the prevention of cruelty to children or animals.

Category: Community Improvement, Capacity Building / Urban, Community Economic Development (NTEE)

Donations to this organization are tax deductible.

Summary charts: organization finances over time

Revenue
$25k (2022)

Expenses
$68.4k (2022)

Total Assets
$79.2k (2022)

Total Liabilities
$62.6k (2022)

Years with missing data
Source: Form 990 tax filings from 2012 to 2022

Tax Filings by Year

Form 990 is an information return that most organizations claiming federal tax-exempt status must file yearly with the IRS. Nonprofit Explorer has IRS digitized Form 990 data for filings processed in 2012 and later. If this organization filed an amended return, it may not be reflected below. Duplicate download links may indicate a resubmission or amendment to this organization's original return. Form 990 data is from the IRS.

Fiscal Year Ending March
2022

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$25,000
Expenses
$68,369
Net Income
-$43,369
Net Assets
$16,566
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $25,000
100%
Investment Income $0
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets $0
Net Inventory Sales $0
Other Revenue $0
Notable Expenses Percent of Total Expenses
Executive Compensation $0
Professional Fundraising Fees $0
Other Salaries and Wages $38,260
56.0%
Assets/Debt
Total Assets $79,171
Total Liabilities $62,605
Net Assets $16,566
Compensation
Key Employees and Officers Compensation Related Other
Mark L Castle (Board Chair) $0 $0 $0
Jean Smith (Vice Chair) $0 $0 $0
Arline Parks (Vice Chair) $0 $0 $0
Karen Mcguinness (Treasurer) $0 $0 $0
Anthony M Riccio Jr (Secretary) $0 $0 $0
Simon Bergson (Board Member) $0 $0 $0
Mayra Linares Garcia (Board Member) $0 $0 $0
Hugh Grant (Board Member) $0 $0 $0
Mark Willis (Board Member) $0 $0 $0
Plinio Ayala (Board Member) $0 $0 $0
Tiffani Blake (Board Member) $0 $0 $0
William Bill Bollinger (Board Member) $0 $0 $0
Conor Mccarthy (Board Member) $0 $0 $0
Cheryl Mckissack (Board Member) $0 $0 $0
Jennifer Rivera (Board Member) $0 $0 $0
Patricia Nia Rock (Board Member) $0 $0 $0
Prisca Salazar Rodriguez (Board Member) $0 $0 $0
Lourdes Zapata (President & Ceo) $0 $225,219 $8,963
Tonia Elvin (Cfo) $0 $113,315 $8,381
Delilah Tyson (Cao) $0 $124,269 $42

Document Links

Fiscal Year Ending March
2021

Extracted Financial Data

Extracted Financial Data from 990-EZ
Revenue
$50,000
Expenses
$12,669
Net Income
$37,331
Net Assets
$59,935
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $50,000
100%
Investment Income $0
Net Fundraising $0
Sales of Assets $0
Net Inventory Sales $0
Other Revenue $0
Assets/Debt
Total Assets $71,247
Total Liabilities $11,312
Net Assets $59,935
Compensation
Key Employees and Officers Compensation Other
Mark L Castle (Board Chair) $0 $0
Jean Smith (Vice Chair) $0 $0
Arline Parks (Vice Chair) $0 $0
Karen Mcguinness (Treasurer) $0 $0
Anthony M Riccio Jr (Secretary) $0 $0
Simon Bergson (Board Member) $0 $0
Phillip Banks Jr Iii (Board Member) $0 $0
Hugh Grant (Board Member) $0 $0
Mark Willis (Board Member) $0 $0
6 Plinio Ayala (Board Member) $0 $0
Tiffani Blake (Board Member) $0 $0
William Bill Bollinger (Board Member) $0 $0

Document Links

Fiscal Year Ending March
2020

Extracted Financial Data

Extracted Financial Data from 990-EZ
Revenue
$0
Expenses
$8,798
Net Income
-$8,798
Net Assets
-$26,200
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $0
Investment Income $0
Net Fundraising $0
Sales of Assets $0
Net Inventory Sales $0
Other Revenue $0
Assets/Debt
Total Assets $24,200
Total Liabilities $50,400
Net Assets -$26,200
Compensation
Key Employees and Officers Compensation Other
Jean Smith (Vice Chair) $0 $0
Anthony M Riccio Jr (Secretary) $0 $0
Karen Mc Guinness (Treasurer) $0 $0
Patricia Rock (Board Member) $0 $0
Mark Willis (Board Member) $0 $0
Lourdes Zapata (President & Ceo) $0 $0
Steven Brown (President & Ceo (Through 7/19)) $0 $0
Delilah Tyson (Chief Administrative Officer) $0 $0
Tonia Elvin (Chief Financial Officer) $0 $0

Document Links

Fiscal Year Ending March
2019

Extracted Financial Data

Extracted Financial Data from 990-EZ
Revenue
$54,200
Expenses
$101,378
Net Income
-$47,178
Net Assets
-$9,883
Notable Sources of Revenue Percent of Total Revenue
Contributions $45,000
83.0%
Program Services $0
Investment Income $200
0.4%
Net Fundraising $0
Sales of Assets $0
Net Inventory Sales $0
Other Revenue $9,000
16.6%
Assets/Debt
Total Assets $41,060
Total Liabilities $50,943
Net Assets -$9,883
Compensation
Key Employees and Officers Compensation Other
Mark Castle (Chairperson) $0 $0
Jean Smith (Vice Chair) $0 $0
Karen Mc Guinness (Treasurer) $0 $0
Arline Parks (Secretary) $0 $0
Steven Brown (President & Ceo) $0 $0
Lesia Bates (Interim Cfo) $0 $0

Document Links

Fiscal Year Ending March
2018

Extracted Financial Data

Extracted Financial Data from 990-EZ
Revenue
$48,954
Expenses
$40,121
Net Income
$8,833
Net Assets
$37,295
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $0
Investment Income $158
0.3%
Net Fundraising $0
Sales of Assets $0
Net Inventory Sales $0
Other Revenue $48,796
99.7%
Assets/Debt
Total Assets $96,238
Total Liabilities $58,943
Net Assets $37,295
Compensation
Key Employees and Officers Compensation Other
Nathaniel Montgomery (Vice President (Former)) $982 $0
Jean Smith (Chairperson) $0 $0
Mark Castle (Director) $0 $0
Arline Parks (Director) $0 $0
Karen Mcguinness (Treasurer) $0 $0
Steven Brown (President) $0 $0
Johanna Dejesus (Secretary) $0 $0
Christie Alcid (Cfo (Former)) $0 $0
Phillip Morrow (President (Former)) $0 $0

Document Links

Fiscal Year Ending March
2017

Extracted Financial Data

Extracted Financial Data from 990-EZ
Revenue
$69,282
Expenses
$64,341
Net Income
$4,941
Net Assets
$58,663
Notable Sources of Revenue Percent of Total Revenue
Contributions $60,000
86.6%
Program Services $0
Investment Income $0
Net Fundraising $0
Sales of Assets $0
Net Inventory Sales $0
Other Revenue $0
Assets/Debt
Total Assets $113,385
Total Liabilities $54,722
Net Assets $58,663
Compensation
Key Employees and Officers Compensation Other
Ayca Ergeneman (Vice Chairman) $0 $0
Christie Alcid (Cfo) $0 $0
Jean Smith (Member) $0 $0
Nathaniel Montgomery (Secretary) $0 $0
Neil Pariser (Member) $0 $0
Phillip Morrow (Chairman/President) $0 $0
Karen Mcguinness (Treasurer) $0 $0

Document Links

Fiscal Year Ending March
2016

Extracted Financial Data

Extracted Financial Data from 990-EZ
Revenue
$93,774
Expenses
$75,152
Net Income
$18,622
Net Assets
$53,722
Notable Sources of Revenue Percent of Total Revenue
Contributions $90,000
96.0%
Program Services $0
Investment Income $3,774
4.0%
Net Fundraising $0
Sales of Assets $0
Net Inventory Sales $0
Other Revenue $0
Assets/Debt
Total Assets $118,404
Total Liabilities $64,682
Net Assets $53,722
Compensation
Key Employees and Officers Compensation Other
Ayca Ergeneman (Vice Chairman) $0 $0
Christie Alcid (Treasurer/Cfo) $0 $0
Jean Smith (Member) $0 $0
Mathaniel Montgomery (Secretary) $0 $0
Neil Pariser (Member) $0 $0
Phillip Morrow (Chairman/President) $0 $0

Document Links

Fiscal Year Ending March
2015

Extracted Financial Data

Extracted Financial Data from 990-EZ
Revenue
$100,940
Expenses
$77,874
Net Income
$23,066
Net Assets
$35,100
Notable Sources of Revenue Percent of Total Revenue
Contributions $40,000
39.6%
Program Services $900
0.9%
Investment Income $2,227
2.2%
Net Fundraising $0
Sales of Assets $0
Net Inventory Sales $0
Other Revenue $57,813
57.3%
Assets/Debt
Total Assets $141,227
Total Liabilities $106,127
Net Assets $35,100
Compensation
Key Employees and Officers Compensation Other
Ayca Ergeneman (Vice Chairman) $0 $0
Christie Alcid (Treasurer/Cfo) $0 $0
Jean Smith (Member) $0 $0
Nathaniel Montgomery (Secretary) $0 $0
Neil Pariser (Member) $0 $0
Phillip Morrow (Chairman/President) $0 $0

Document Links

Fiscal Year Ending March
2013

Extracted Financial Data

Extracted Financial Data from 990-EZ
Revenue
$33,057
Expenses
$14,878
Net Income
$18,179
Net Assets
$14,646
Notable Sources of Revenue Percent of Total Revenue
Contributions $31,957
96.7%
Program Services $0
Investment Income $500
1.5%
Net Fundraising $0
Sales of Assets $0
Net Inventory Sales $0
Other Revenue $600
1.8%
Assets/Debt
Total Assets $105,860
Total Liabilities $91,214
Net Assets $14,646

Document Links

Fiscal Year Ending March
2012

Extracted Financial Data

Extracted Financial Data from 990-EZ
Revenue
$34,393
Expenses
$33,340
Net Income
$1,053
Net Assets
-$3,533
Notable Sources of Revenue Percent of Total Revenue
Contributions $33,339
96.9%
Program Services $0
Investment Income $0
Net Fundraising $0
Sales of Assets $0
Net Inventory Sales $0
Other Revenue $1,054
3.1%
Assets/Debt
Total Assets $64,351
Total Liabilities $67,884
Net Assets -$3,533

Document Links

Fiscal Year Ending March
2010

No Extracted Financial Data

Extracted financial data is not available for the forms filed in this tax period, but Form 990 documents are available for download.

Document Links

Fiscal Year Ending March
2009

No Extracted Financial Data

Extracted financial data is not available for the forms filed in this tax period, but Form 990 documents are available for download.

Document Links

Fiscal Year Ending March
2008

No Extracted Financial Data

Extracted financial data is not available for the forms filed in this tax period, but Form 990 documents are available for download.

Document Links

Fiscal Year Ending March
2007

No Extracted Financial Data

Extracted financial data is not available for the forms filed in this tax period, but Form 990 documents are available for download.

Document Links

Fiscal Year Ending March
2006

No Extracted Financial Data

Extracted financial data is not available for the forms filed in this tax period, but Form 990 documents are available for download.

Document Links

Fiscal Year Ending March
2005

No Extracted Financial Data

Extracted financial data is not available for the forms filed in this tax period, but Form 990 documents are available for download.

Document Links

Fiscal Year Ending March
2004

No Extracted Financial Data

Extracted financial data is not available for the forms filed in this tax period, but Form 990 documents are available for download.

Document Links

Fiscal Year Ending March
2003

No Extracted Financial Data

Extracted financial data is not available for the forms filed in this tax period, but Form 990 documents are available for download.

Document Links

Fiscal Year Ending March
2002

No Extracted Financial Data

Extracted financial data is not available for the forms filed in this tax period, but Form 990 documents are available for download.

Document Links

About This Data

Nonprofit Explorer includes summary data for nonprofit tax returns and full Form 990 documents, in both PDF and digital formats.

The summary data contains information processed by the IRS during the 2012-2019 calendar years; this generally consists of filings for the 2011-2018 fiscal years, but may include older records. This data release includes only a subset of what can be found in the full Form 990s.

In addition to the raw summary data, we link to PDFs and digital copies of full Form 990 documents wherever possible. This consists of separate releases by the IRS of Form 990 documents processed by the agency, which we update regularly.

We also link to copies of audits nonprofit organizations that spent $750,000 or more in Federal grant money in a single fiscal year since 2016. These audits are copied from the Federal Audit Clearinghouse.

Which Organizations Are Here?

Every organization that has been recognized as tax exempt by the IRS has to file Form 990 every year, unless they make less than $200,000 in revenue and have less than $500,000 in assets, in which case they have to file form 990-EZ. Organizations making less than $50,000 don’t have to file either form but do have to let the IRS they’re still in business via a Form 990N "e-Postcard."

Nonprofit Explorer has organizations claiming tax exemption in each of the 27 subsections of the 501(c) section of the tax code, and which have filed a Form 990, Form 990EZ or Form 990PF. Taxable trusts and private foundations that are required to file a form 990PF are also included. Small organizations filing a Form 990N "e-Postcard" are not included in this data.

Types of Nonprofits

There are 27 nonprofit designations based on the numbered subsections of section 501(c) of the tax code. See the list »

Get the Data

For those interested in acquiring the original data from the source, here’s where our data comes from:

  • Raw filing data. Includes EINs and summary financials as structured data.
  • Exempt Organization profiles. Includes organization names, addresses, etc. You can merge this with the raw filing data using EIN numbers.
  • Form 990 documents. Prior to 2017, these documents were obtained and processed by Public.Resource.org and ProPublica. Bulk PDF downloads since 2017 are available from the IRS.
  • Form 990 documents as XML files. Includes complete filing data (financial details, names of officers, tax schedules, etc.) in machine-readable format. Only available for electronically filed documents. Electronic data released prior to October 2021 is also available through Amazon Web Services.
  • Audits. PDFs of single or program-specific audits for nonprofit organizations that spent $750,000 or more in Federal grant money in a single fiscal year. Available for fiscal year 2015 and later.

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