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TO HELP ORGANIZATIONS MOVE PEOPLE FROM POVERTY TO PROSPERITY THROUGH CREDIT BUILDING.
Source: IRS Form 990 (Tax Year 2024)
Source: IRS e-Filed Form 990 (from the IRS e-File system), Tax Year 2024
Total Revenue
▼$4.9M
Program Spending
90%
of total expenses go to program services
Total Contributions
$2.9M
Total Expenses
▼$5M
Total Assets
$8.6M
Total Liabilities
▼$3.1M
Net Assets
$5.4M
Officer Compensation
→$291.7K
Other Salaries
$2.1M
Investment Income
$278.7K
Fundraising
▼N/A
Tax Year 2024 · Source: IRS Form 990, Schedule I (Grants and Other Assistance)
Total grants awarded: $385K
| Recipient | Location | Amount | Type | Purpose |
|---|---|---|---|---|
URBAN INSTITUTE52-0880375 | WASHINGTON, DC | $150K | Cash | CREDIT BUILDING |
PROJECT ACCESS33-0834635 | ORANGE, CA | $20K | Cash | CREDIT BUILDING |
MARSHALL HEIGHTS COMMUNITY52-1165147 | WASHINGTON, DC | $20K | Cash | CREDIT BUILDING |
PHIPPS NEIGHBORHOODS13-2707665 | BRONX, NY | $20K | Cash | CREDIT BUILDING |
CONGRESO DE LATINOS UNIDOS INC23-2689714 | LANCASTER, PA | $15K | Cash | CREDIT BUILDING |
CENTRAL CITY NEIGHBORHOOD PARTNERS95-4837709 | LOS ANGELES, CA | $15K | Cash | CREDIT BUILDING |
CARROLL GARDENTS ASSOCIATION11-2573432 | BROOKLYN, NY | $15K | Cash | CREDIT BUILDING |
COMMUNITY FIRST FUND23-2051143 | PHILADELPHIA, PA | $15K | Cash | CREDIT BUILDING |
EXODUS LENDING47-1706853 | ST PAUL, MN | $10K | Cash | CREDIT BUILDING |
CENTER FOR TRANSFORMING LIVES75-0829389 | FORT WORTH, TX | $10K | Cash | CREDIT BUILDING |
DOWNSTREET HOUSING AND COMMUNITY22-2843473 | BARRE, VT | $10K | Cash | CREDIT BUILDING |
FRIENDSHIP HOUSE OF DELAWARE51-0306759 | WILMINGTON, DE | $10K | Cash | CREDIT BUILDING |
GATEWAY COMMUNITY ACTION22-1942357 | BRIDGETON, NJ | $10K | Cash | CREDIT BUILDING |
LSS FINANCIAL COUNSELING41-0872993 | DULUTH, MN | $10K | Cash | CREDIT BUILDING |
MILES COLLEGE63-0400608 | FAIRFIELD, AL | $10K | Cash | CREDIT BUILDING |
BREAKING GROUND11-3048002 | NEW YORK, NY | $7,500 | Cash | CREDIT BUILDING |
COMMUNITY DEVELOPMENT LONG ISLAND11-2221341 | MELVILLE, NY | $7,500 | Cash | CREDIT BUILDING |
HARLEM UNITED COMMUNITY AIDS CENTER13-3461695 | NEW YORK, NY | $7,500 | Cash | CREDIT BUILDING |
PUSH BUFFALO87-1364681 | BUFFALO, NY | $7,500 | Cash | CREDIT BUILDING |
CATTARAUGUS COMMUNITY ACTION16-0910303 | SALAMANCA, NY | $7,500 | Cash | CREDIT BUILDING |
BANANA KELLY COMMUNITY13-2934000 | BRONX, NY | $7,500 | Cash | CREDIT BUILDING |
| Total | $385K | |||
WASHINGTON, DC
$150K
ORANGE, CA
$20K
WASHINGTON, DC
$20K
BRONX, NY
$20K
LANCASTER, PA
$15K
LOS ANGELES, CA
$15K
BROOKLYN, NY
$15K
PHILADELPHIA, PA
$15K
ST PAUL, MN
$10K
FORT WORTH, TX
$10K
BARRE, VT
$10K
WILMINGTON, DE
$10K
BRIDGETON, NJ
$10K
DULUTH, MN
$10K
FAIRFIELD, AL
$10K
NEW YORK, NY
$7,500
MELVILLE, NY
$7,500
NEW YORK, NY
$7,500
BUFFALO, NY
$7,500
SALAMANCA, NY
$7,500
BRONX, NY
$7,500
Source: USAspending.gov · Searched by organization name
Total Federal Funding
$2.9M
Awards Found
11
| Awarding Agency | Description | Amount | Fiscal Year | Period | Link |
|---|---|---|---|---|---|
| Small Business Administration | PRIME ONE | $414.8K | FY2010 | Sep 2010 – Sep 2013 | Open → |
| Small Business Administration | CREDIT BUILDERS ALLIANCE - DC | $400K | FY2024 | Sep 2024 – Sep 2025 | Open → |
| Small Business Administration | FY 23 PRIME TECHNICAL ASSISTANCE | $400K | FY2023 | Sep 2023 – Sep 2024 | Open → |
| Small Business Administration | PROGRAM FOR INVESTMENT IN MICROENTREPRENEURS - PRIME | $249.8K | FY2018 | Sep 2018 – Sep 2019 | Open → |
| Small Business Administration | FY 17 PRIME AWARD | $248K | FY2017 | Sep 2017 – Sep 2018 | Open → |
| Small Business Administration | FY22 PRIME TECHNICAL ASSISTANCE | $240K | FY2022 | Sep 2022 – Sep 2023 | Open → |
| Small Business Administration | CREDIT BUILDERS ALLIANCE, DC THE PROGRAM FOR INVESTMENT IN MICROENTREPRENEURS ACT OF 1999 (THE PRIME ACT) BECAME LAW ON NOVEMBER 12, 1999 WITH THE PASSAGE OF PUB. L. NO. 106-102 (15 U.S.C. 6901 NOTE). THE PRIME ACT AUTHORIZES THE SBA ADMINISTRATOR TO ESTABLISH A PROGRAM FOR THE PURPOSES OF: (I) PROVIDING TRAINING AND TECHNICAL ASSISTANCE TO DISADVANTAGED ENTREPRENEURS; (II) PROVIDING TRAINING AN | $237.6K | FY2021 | Sep 2021 – Sep 2022 | Open → |
| Small Business Administration | CBA'S DISASTER-FOCUSED CREDIT TECHNICAL ASSISTANCE | $235K | FY2020 | Sep 2020 – Sep 2021 | Open → |
| Small Business Administration | PRIME | $230.9K | FY2016 | Sep 2016 – Sep 2017 | Open → |
| Small Business Administration | PRIME | $175K | FY2015 | Sep 2015 – Sep 2016 | Open → |
| Small Business Administration | PRIME TWO | $20.2K | FY2012 | Sep 2012 – Sep 2013 | Open → |
Small Business Administration
$249.8K
PROGRAM FOR INVESTMENT IN MICROENTREPRENEURS - PRIME
Small Business Administration
$237.6K
CREDIT BUILDERS ALLIANCE, DC THE PROGRAM FOR INVESTMENT IN MICROENTREPRENEURS ACT OF 1999 (THE PRIME ACT) BECAME LAW ON NOVEMBER 12, 1999 WITH THE PASSAGE OF PUB. L. NO. 106-102 (15 U.S.C. 6901 NOTE). THE PRIME ACT AUTHORIZES THE SBA ADMINISTRATOR TO ESTABLISH A PROGRAM FOR THE PURPOSES OF: (I) PROVIDING TRAINING AND TECHNICAL ASSISTANCE TO DISADVANTAGED ENTREPRENEURS; (II) PROVIDING TRAINING AN
Small Business Administration
$235K
CBA'S DISASTER-FOCUSED CREDIT TECHNICAL ASSISTANCE
Source: Federal Audit Clearinghouse (fac.gov)
Total Audits
1
Clean Audits
0
Material Weakness
No
Noncompliance Issues
No
| Year | Status | Financial Report | Federal Expenditure | Low Risk | Accepted |
|---|---|---|---|---|---|
| 2025 | Minor Findings | Unmodified (Clean) | $1.1M | No | 2026-07-27 |
Financial Report
Unmodified (Clean)
Federal Expenditure
$1.1M
Tax Year 2024 · Source: IRS e-Filed Form 990Schedule J available
Individuals serving as officers, directors, or trustees of the organization.
| Name | Title | Hrs/Wk | Compensation | Related Orgs | Other |
|---|
Source: IRS Publication 78, Auto-Revocation List & e-Postcard Data
Tax-deductible contributions: Yes
Deductibility code: PC
Sources: IRS e-Filed Form 990 (XML) & ProPublica Nonprofit Explorer
Scroll →
| Year | Revenue | Contributions | Expenses | Assets | Net Assets |
|---|---|---|---|---|---|
| 2024IRS e-File | $4.9M | $2.9M | $5M | $8.6M | $5.4M |
| 2023IRS e-File | $4.7M | $3.3M | $4.5M | $8.5M | $5.5M |
| 2022 | $5.6M | $4.7M | $3.4M | $8.2M | $5.2M |
| 2021 | $4.1M |
Sources: ProPublica Nonprofit Explorer & IRS e-File Index
Financial data: IRS e-Filed Form 990 (Tax Year 2024)
Leadership & compensation: IRS e-Filed Form 990, Part VII (Tax Year 2024)
Federal grants: USAspending.gov (live)
Organization info: IRS Business Master File
Tax-deductibility: IRS Publication 78
| Total |
|---|
| Dara Duguay | CEO | 28 | $212.6K | $0 | $22K | $234.6K |
| Julia Gazizova | CFO | 28 | $158.7K | $0 | $11.3K | $170K |
| Donovan Duncan | Chair | 2 | $0 | $0 | $0 | $0 |
| Kevin Fryatt | Treasurer | 2 | $0 | $0 | $0 | $0 |
| Margaret Libby | Secretary | 2 | $0 | $0 | $0 | $0 |
Dara Duguay
CEO
$234.6K
Hrs/Wk
28
Compensation
$212.6K
Related Orgs
$0
Other
$22K
Julia Gazizova
CFO
$170K
Hrs/Wk
28
Compensation
$158.7K
Related Orgs
$0
Other
$11.3K
Donovan Duncan
Chair
$0
Hrs/Wk
2
Compensation
$0
Related Orgs
$0
Other
$0
Kevin Fryatt
Treasurer
$0
Hrs/Wk
2
Compensation
$0
Related Orgs
$0
Other
$0
Margaret Libby
Secretary
$0
Hrs/Wk
2
Compensation
$0
Related Orgs
$0
Other
$0
Highest compensated employees who are not officers or directors.
| Name | Title | Hrs/Wk | Compensation | Related Orgs | Other | Total |
|---|---|---|---|---|---|---|
| Richard Reeve | Chief Progra | 36 | $143.9K | $0 | $25.3K | $169.1K |
| Elisabeth Johnson-Crawford | Chief Techni | 40 | $149.3K | $0 | $2,540 | $151.8K |
| Zach Morrow | COO | 20 | $140.8K | $0 | $9,014 | $149.8K |
| Mary Jo Halder | Training Dir | 40 | $101.5K |
Richard Reeve
Chief Progra
$169.1K
Hrs/Wk
36
Compensation
$143.9K
Related Orgs
$0
Other
$25.3K
Elisabeth Johnson-Crawford
Chief Techni
$151.8K
Hrs/Wk
40
Compensation
$149.3K
Related Orgs
$0
Other
$2,540
Zach Morrow
COO
$149.8K
Hrs/Wk
20
Compensation
$140.8K
Related Orgs
$0
Other
$9,014
Members of the governing board. Board members often serve without compensation.
| Name | Title | Hrs/Wk | Compensation | Related Orgs | Other | Total |
|---|---|---|---|---|---|---|
| Abigail Lovell | Director | 2 | $0 | $0 | $0 | $0 |
| Aparna Sarin | Director | 2 | $0 | $0 | $0 | $0 |
| Cindy Logsdon | Director | 2 | $0 | $0 | $0 | $0 |
| Courtney Brinkman | Director | 2 | $0 | $0 | $0 | $0 |
| Cy Richardson | Director | 2 | $0 | $0 | $0 | $0 |
| Derison Puntier | Director |
Abigail Lovell
Director
$0
Hrs/Wk
2
Compensation
$0
Related Orgs
$0
Other
$0
Aparna Sarin
Director
$0
Hrs/Wk
2
Compensation
$0
Related Orgs
$0
Other
$0
Cindy Logsdon
Director
$0
Hrs/Wk
2
Compensation
$0
Related Orgs
$0
Other
$0
| $3.3M |
| $2.2M |
| $3.6M |
| $3M |
| 2020 | $2M | $1.4M | $1.9M | $1.8M | $1.1M |
| 2019 | $2.3M | $1.4M | $2.4M | $1.4M | $1.1M |
| 2018 | $2.1M | $1.4M | $1.7M | $1.5M | $1.2M |
| 2017 | $1.2M | $630.5K | $1.3M | $1M | $780.3K |
| 2016 | $1.3M | $832.9K | $1.1M | $1.1M | $878.6K |
| 2015 | $1.2M | $855K | $953.7K | $802.6K | $663.8K |
| 2014 | $966.4K | $769.4K | $925K | $567.5K | $433.9K |
| 2013 | $601.9K | $432.9K | $846.2K | $541K | $392.6K |
| 2012 | $786K | $621.2K | $787.5K | $752K | $636.9K |
| 2011 | $748.1K | $619K | $679.4K | $725.7K | $638.4K |
| 2021 | 990 | Data |
| 2020 | 990 | Data | PDF not yet published by IRS |
| 2019 | 990 | Data |
| 2018 | 990 | Data |
| 2017 | 990 | Data |
| 2016 | 990 | Data |
| 2015 | 990 | Data |
| 2014 | 990 | Data |
| 2013 | 990 | Data |
| 2012 | 990 | Data |
| 2011 | 990 | Data |
| 2010 | 990 | — |
| 2009 | 990 | — |
| 2008 | 990 | — |
| 2007 | 990 | — |
| $0 |
| $8,617 |
| $110.1K |
Mary Jo Halder
Training Dir
$110.1K
Hrs/Wk
40
Compensation
$101.5K
Related Orgs
$0
Other
$8,617
| 2 |
| $0 |
| $0 |
| $0 |
| $0 |
| Dinesh Wadhwani - Outgoing | Director | 2 | $0 | $0 | $0 | $0 |
| Dwayne Keys | Director | 2 | $0 | $0 | $0 | $0 |
| Elizabeth Fairman - Incoming | Director | 2 | $0 | $0 | $0 | $0 |
| Eric Ellman - Outgoing | Director | 2 | $0 | $0 | $0 | $0 |
| Giovanna Piovanetti | Director | 2 | $0 | $0 | $0 | $0 |
| Holly Frindell - Incoming | Director | 2 | $0 | $0 | $0 | $0 |
| Jeff Richardson | Director | 2 | $0 | $0 | $0 | $0 |
| Laurie Husaby | Director | 2 | $0 | $0 | $0 | $0 |
| Priscilla Woo | Director | 2 | $0 | $0 | $0 | $0 |
| Seth Julyan - Outgoing | Director | 2 | $0 | $0 | $0 | $0 |
| Shawna Collier - Outgoing | Director | 2 | $0 | $0 | $0 | $0 |
| Valecia Quinn | Director | 2 | $0 | $0 | $0 | $0 |
Courtney Brinkman
Director
$0
Hrs/Wk
2
Compensation
$0
Related Orgs
$0
Other
$0
Cy Richardson
Director
$0
Hrs/Wk
2
Compensation
$0
Related Orgs
$0
Other
$0
Derison Puntier
Director
$0
Hrs/Wk
2
Compensation
$0
Related Orgs
$0
Other
$0
Dinesh Wadhwani - Outgoing
Director
$0
Hrs/Wk
2
Compensation
$0
Related Orgs
$0
Other
$0
Dwayne Keys
Director
$0
Hrs/Wk
2
Compensation
$0
Related Orgs
$0
Other
$0
Elizabeth Fairman - Incoming
Director
$0
Hrs/Wk
2
Compensation
$0
Related Orgs
$0
Other
$0
Eric Ellman - Outgoing
Director
$0
Hrs/Wk
2
Compensation
$0
Related Orgs
$0
Other
$0
Giovanna Piovanetti
Director
$0
Hrs/Wk
2
Compensation
$0
Related Orgs
$0
Other
$0
Holly Frindell - Incoming
Director
$0
Hrs/Wk
2
Compensation
$0
Related Orgs
$0
Other
$0
Jeff Richardson
Director
$0
Hrs/Wk
2
Compensation
$0
Related Orgs
$0
Other
$0
Laurie Husaby
Director
$0
Hrs/Wk
2
Compensation
$0
Related Orgs
$0
Other
$0
Priscilla Woo
Director
$0
Hrs/Wk
2
Compensation
$0
Related Orgs
$0
Other
$0
Seth Julyan - Outgoing
Director
$0
Hrs/Wk
2
Compensation
$0
Related Orgs
$0
Other
$0
Shawna Collier - Outgoing
Director
$0
Hrs/Wk
2
Compensation
$0
Related Orgs
$0
Other
$0
Valecia Quinn
Director
$0
Hrs/Wk
2
Compensation
$0
Related Orgs
$0
Other
$0