Credit Builders Alliance Inc
Credit Builders Alliance Inc. shows strong financial growth and asset accumulation with no reported officer compensation.
EIN: 208351782 · Washington, DC · NTEE: Y02 · Updated: 2026-03-28
Source Check Matrix
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Identity resolved verified
Credit Builders Alliance Inc is mapped to EIN 208351782.
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13 stored filing years available.
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13 stored filing years available.
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| Metric | Value |
|---|---|
| Total Revenue | $9.4M |
| Total Expenses | $4.5M |
| Program Spending | 85% |
| Net Assets | $5.5M |
| Transparency Score | 88/100 |
Search Intent Cockpit
Credit Builders Alliance Inc Form 990, Revenue, CEO Pay, and IRS Filing Signals
Credit Builders Alliance Inc is surfaced here as a decision-ready nonprofit financial profile, not just a charity listing. The page consolidates IRS Form 990 revenue, expenses, assets, tax-exempt classification, executive compensation, mission score, red flags, and year-by-year filing history so donors, researchers, journalists, and grant teams can answer the common search questions around Credit Builders Alliance Inc in one place.
Form 990 Filing Summary
13 filing years are available, with latest revenue of $4.7M and expenses of $4.5M.
Revenue and Expenses
Credit Builders Alliance Inc reported $4.7M in revenue and $4.5M in expenses, a surplus of $287K.
Executive Compensation
Officer, director, trustee, and key employee pay is reviewed from IRS 990 compensation disclosures when present.
Charity Score and Red Flags
88/100 mission score, 1 red flag, and 4 strengths are shown from structured and AI review.
Is Credit Builders Alliance Inc Legit?
Some Concerns
Assessment based on IRS 990 filings, spending patterns, and AI analysis. Not a guarantee of legitimacy. Full charity check →
IRS 990 Data Cockpit
Where the Money Comes From and Where It Goes
Revenue Source Mix
Revenue-source line items are not available on the stored filing yet. Future ingestion now preserves contribution, program-revenue, and investment-income fields when ProPublica provides them.
Expense Deployment
| Program services | $3.8M (85%) |
Across stored filings, Credit Builders Alliance Inc shows contribution history pending. Next enrichment targets: revenue-source fields, IRS BMF classification.
Decision Cockpit
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| Decision Lens | Signal | What to Inspect Next |
|---|---|---|
| Legitimacy | Some Concerns | Good filing record; 1 red flag identified |
| Mission spend | 85% to programs | Excellent |
| Financial durability | Grade A | 13 stored filing years |
| Peer context | Compare with Small Point Summer School Inc | Washington DC and Category Y context |
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Credit Builders Alliance Inc directs 85% of its spending to programs. This exceeds the industry benchmark of 65%, indicating strong mission focus.
About Credit Builders Alliance Inc
Credit Builders Alliance Inc (EIN: 208351782) is a nonprofit organization based in Washington, DC, classified under NTEE code Y02. The organization reported total revenue of $9.4M and total assets of $8.6M according to its most recent IRS 990 filing. This transparency report provides an AI-powered analysis of Credit Builders Alliance Inc's financial health, spending patterns, executive compensation, and overall mission effectiveness based on publicly available IRS data.
Organization Overview
Credit Builders Alliance Inc is a mid-size nonprofit that has been operating for 18 years, with 13 years of IRS 990 filings on record (2011–2023). Revenue has grown at a compound annual rate of 16.6%.
Key Financial Metrics (2023)
From the most recent IRS 990 filing on record:
| Total Revenue | $4.7M |
| Total Expenses | $4.5M |
| Surplus / Deficit | +$287K |
| Total Assets | $8.5M |
| Total Liabilities | $3.0M |
| Net Assets | $5.5M |
| Operating Margin | 6.0% |
| Debt-to-Asset Ratio | 35.3% |
| Months of Reserves | 23.0 months |
Financial Health Grade: A
In 2023, Credit Builders Alliance Inc reported a surplus of $287K with revenue exceeding expenses, holds 23.0 months of operating reserves (strong position), has a debt-to-asset ratio of 35.3% (moderate leverage).
Financial Trends
Over 13 years of filings (2011–2023), Credit Builders Alliance Inc's revenue has grown at a compound annual growth rate (CAGR) of 16.6%.
| Year | Revenue Change | Expense Change | Asset Change |
|---|---|---|---|
| 2023 | -15.2% | +32.5% | +4.2% |
| 2022 | +36.8% | +51.5% | +126.8% |
| 2021 | +105.3% | +14.3% | +106.2% |
| 2020 | -12.1% | -17.5% | +22.0% |
| 2019 | +10.6% | +40.4% | -2.8% |
IRS Tax-Exempt Classification
| IRS Classification Codes | 1000 |
| IRS Ruling Date | 2008 |
Classification data from ProPublica Nonprofit Explorer. Additional BMF data may be available after enrichment.
AI Transparency Report
Mission Effectiveness Score
NonprofitSpending's AI analysis rates Credit Builders Alliance Inc with a Mission Score of 88 out of 100 (Excellent). This score reflects the organization's overall financial transparency, program spending efficiency, and governance indicators derived from IRS 990 public filings.
Spending Breakdown
- admin: 10%
- programs: 85%
- fundraising: 5%
According to IRS 990 filings, Credit Builders Alliance Inc allocates its expenses as follows: admin: 10%, programs: 85%, fundraising: 5%. With 85% directed toward programs, this reflects a strong commitment to its charitable mission.
Key Financial Metrics (2023)
From the most recent IRS 990 filing on record:
- The organization reported a surplus of $287K, with revenue exceeding expenses.
- Debt-to-asset ratio: 35.3%.
Executive Compensation Analysis
The organization consistently reports 0% officer compensation across all available filings, which is highly unusual for an organization of its size and revenue. This suggests that executive compensation may be reported under other expense categories or that executives are compensated through non-traditional means, warranting further scrutiny for complete transparency.
Executive compensation data is sourced from IRS 990 filings, which require nonprofits to disclose the compensation of officers, directors, trustees, and key employees. NonprofitSpending analyzes this data relative to the organization's total revenue and sector benchmarks to assess whether executive pay is reasonable.
Red Flags
The following concerns were identified during AI analysis of Credit Builders Alliance Inc's IRS 990 filings:
- Consistent 0% officer compensation reported, which is atypical for an organization of this scale and warrants further investigation into executive compensation practices.
Strengths
The following positive indicators were identified for Credit Builders Alliance Inc:
- Strong and consistent revenue growth, increasing from $966,367 in 2014 to $4,747,116 in 2023.
- Healthy asset accumulation, growing from $567,526 in 2014 to $8,538,896 in 2023, indicating financial stability.
- Consistent positive net income (revenue exceeding expenses) in most years, demonstrating sound financial management and ability to build reserves.
- Low liabilities relative to assets, suggesting a strong balance sheet and limited financial risk (e.g., $3,018,311 liabilities vs. $8,538,896 assets in 2023).
Frequently Asked Questions about Credit Builders Alliance Inc
Is Credit Builders Alliance Inc a legitimate charity?
Credit Builders Alliance Inc (EIN: 208351782) is a registered tax-exempt nonprofit based in Washington DC. Our AI analysis gives it a Mission Score of 88/100. It has 13 years of IRS 990 filings on record. Total revenue: $9.4M. 1 red flag identified. 4 strengths noted. Financial health grade: A.
How does Credit Builders Alliance Inc spend its money?
Credit Builders Alliance Inc directs 85% of its spending to programs and services. Fundraising costs 5%. This exceeds the 65% industry benchmark.
Are donations to Credit Builders Alliance Inc tax-deductible?
Credit Builders Alliance Inc is registered as a tax-exempt nonprofit (EIN: 208351782). Donations to most 501(c)(3) organizations are tax-deductible. Consult a tax professional for your specific situation.
What percentage of Credit Builders Alliance Inc's spending goes to programs?
Credit Builders Alliance Inc directs 85% to programs, 5% to fundraising. This exceeds the 65% industry benchmark for efficient nonprofits.
How does Credit Builders Alliance Inc compare to similar nonprofits?
With a transparency score of 88/100 (Excellent), Credit Builders Alliance Inc is above average for NTEE category Y02 nonprofits. The score reflects financial transparency, program spending efficiency, and governance quality based on IRS 990 data.
Where is Credit Builders Alliance Inc located?
Credit Builders Alliance Inc is headquartered in Washington, Washington DC and files with the IRS under EIN 208351782. It is classified under NTEE code Y02.
How many years of IRS 990 filings does Credit Builders Alliance Inc have?
Credit Builders Alliance Inc has 13 years of IRS 990 filings on record at NonprofitSpending. This extensive filing history provides a strong basis for evaluating long-term financial trends. The most recent filing shows $9.4M in total revenue.
How are executive officers compensated if 0% officer compensation is consistently reported?
The consistent reporting of 0% officer compensation across all filings, despite significant revenue and asset growth, suggests that executive compensation might be categorized under other expense lines (e.g., salaries and wages for program or administrative staff) or that key personnel are compensated through other entities or pro bono. This requires further investigation beyond the provided data to understand the full compensation structure.
What is the detailed breakdown of program, administrative, and fundraising expenses?
The provided data only offers total revenue and expenses. A detailed breakdown of how expenses are allocated specifically to programs, administration, and fundraising is not available in the summary, which limits a precise assessment of spending efficiency ratios.
What is the primary source of the organization's significant revenue growth?
The revenue has grown substantially from $966,367 in 2014 to $4,747,116 in 2023. Understanding whether this growth is driven by grants, contributions, program service fees, or other sources would provide insight into the sustainability and diversification of their funding model.
Filing History
IRS 990 filing history for Credit Builders Alliance Inc showing financial trends over 13 years of public records:
Over 13 years of IRS 990 filings (2011–2023), Credit Builders Alliance Inc's revenue has grown by 534.5%, moving from $748K to $4.7M. Total assets increased by 1076.7% over the same period, from $726K to $8.5M. Total functional expenses rose by 556.4%, from $679K to $4.5M. In its most recent filing year (2023), Credit Builders Alliance Inc reported a surplus of $287K, with revenue exceeding expenses. The organization holds $3.0M in liabilities against $8.5M in assets (debt-to-asset ratio: 35.3%), resulting in net assets of $5.5M.
| Year | Revenue | Expenses | Assets | Liabilities | Officer Comp. % | |
|---|---|---|---|---|---|---|
| 2023 | $4.7M | $4.5M | $8.5M | $3.0M | — | View 990 |
| 2022 | $5.6M | $3.4M | $8.2M | $3.0M | — | View 990 |
| 2021 | $4.1M | $2.2M | $3.6M | $626K | — | View 990 |
| 2020 | $2.0M | $1.9M | $1.8M | $635K | — | — |
| 2019 | $2.3M | $2.4M | $1.4M | $369K | — | View 990 |
| 2018 | $2.1M | $1.7M | $1.5M | $325K | — | View 990 |
| 2017 | $1.2M | $1.3M | $1.0M | $245K | — | View 990 |
| 2016 | $1.3M | $1.1M | $1.1M | $186K | — | View 990 |
| 2015 | $1.2M | $954K | $803K | $139K | — | View 990 |
| 2014 | $966K | $925K | $568K | $134K | — | View 990 |
| 2013 | $602K | $846K | $541K | $148K | — | View 990 |
| 2012 | $786K | $788K | $752K | $115K | — | View 990 |
| 2011 | $748K | $679K | $726K | $87K | — | View 990 |
Year-by-Year Financial Summary
- 2023: Revenue of $4.7M, expenses of $4.5M, and assets of $8.5M (revenue -15.2% year-over-year).
- 2022: Revenue of $5.6M, expenses of $3.4M, and assets of $8.2M (revenue +36.8% year-over-year).
- 2021: Revenue of $4.1M, expenses of $2.2M, and assets of $3.6M (revenue +105.3% year-over-year).
- 2020: Revenue of $2.0M, expenses of $1.9M, and assets of $1.8M (revenue -12.1% year-over-year).
- 2019: Revenue of $2.3M, expenses of $2.4M, and assets of $1.4M (revenue +10.6% year-over-year).
- 2018: Revenue of $2.1M, expenses of $1.7M, and assets of $1.5M (revenue +71.8% year-over-year).
- 2017: Revenue of $1.2M, expenses of $1.3M, and assets of $1.0M (revenue -7.6% year-over-year).
- 2016: Revenue of $1.3M, expenses of $1.1M, and assets of $1.1M (revenue +9.2% year-over-year).
- 2015: Revenue of $1.2M, expenses of $954K, and assets of $803K (revenue +22.5% year-over-year).
- 2014: Revenue of $966K, expenses of $925K, and assets of $568K (revenue +60.5% year-over-year).
- 2013: Revenue of $602K, expenses of $846K, and assets of $541K (revenue -23.4% year-over-year).
- 2012: Revenue of $786K, expenses of $788K, and assets of $752K (revenue +5.1% year-over-year).
- 2011: Revenue of $748K, expenses of $679K, and assets of $726K.
View Individual Filing Years
Explore detailed financial data from each IRS 990 filing year for Credit Builders Alliance Inc:
Data Sources and Methodology
This transparency report for Credit Builders Alliance Inc is generated by NonprofitSpending's AI analysis engine. The data is sourced from publicly available IRS 990 filings accessed through the ProPublica Nonprofit Explorer API and IRS electronic filing records. The Mission Score, spending breakdown, and other analytical insights are produced by artificial intelligence and should be used as one of multiple factors when evaluating a nonprofit organization.
IRS 990 forms are annual information returns that most tax-exempt organizations must file with the IRS. These forms provide detailed financial information including revenue, expenses, assets, liabilities, and compensation of officers. NonprofitSpending processes this data to provide accessible transparency reports for donors, researchers, and the general public.
Disclaimer
AI-generated analysis based on IRS public records. Not financial or legal advice. Verify information directly with the organization.