{"success":true,"data":{"_id":841899948,"filings":[{"Organization":{"value":null,"Person":["SANDHYA NAKHASI","JESSICA FEINGOLD","JENNIFER NJUGUNA","TYRA EDMOND","VICTORIA MONTEIRO"],"Title":["DIRECTOR AND PRESIDENT","DIRECTOR AND VICE PRESIDENT","DIRECTOR","TREASURER","SECRETARY"],"Hours":[1.0,1.0,1.0,1.0,1.0],"Total Compensation":[17288,24288,9068,14529,17161],"Direct compensation":[0,0,0,0,0],"Other compensation":[17288,24288,9068,14529,17161]},"Basic":{"value":null,"mission":"To support equitable access to economic opportunities for immigrants, refugees, low-income, marginalized, and underserved communities in king county and the united states.","year":2024,"name":"COMMUNITY CREDIT LAB","phone":2536930009,"website":"WWW.COMMUNITYCREDITLAB.ORG","type":"990","affiliation":null,"foreign_countries":["United States"],"principal_officer":"SANDHYA NAKHASI","year_formation":2019,"state_legal_domicile":"WA","total_volunteers":0,"tax_period_begin":"2024-01-01T00:00:00","tax_period_end":"2024-12-31T00:00:00","address":"450 ALASKAN WAY SOUTH 200, SEATTLE, WA, 981042785, USA","city":"SEATTLE","state":"WA","country":"USA","zip_code":981042785},"Governance":{"value":null,"501c3 determination":true,"501c determination":false,"Number of voting members":5,"Number of independent voting members":0,"Number of employees total":0,"Total Gross UBI":0,"Net unrelated business taxable income":0,"Number of employees":0,"Prohibited tax shelter transactions":true,"Taxable party notification":true,"Funds to pay premiums":true,"Premiums Paid":true,"Family or business relationship":true,"Delegation of management duties":true,"Conflict of interest policy":true,"Whistle blower policy":true,"Compensation process for CEO":true,"Compensation process for other employees":true,"Changes to organizing documents":true,"Material diversion or misuse":true,"Members or stockholders":true,"Election of board members":true,"Decisions subject to approval":true,"Minutes of governing body":true,"Local chapters":true,"Form 990 provided to governing body":true,"Document retention policy":true,"Investment in joint venture":true,"Independent audit financial statements":true,"Consolidated audit financial statements":true,"Accountant compile or review":true,"Political activities":true,"Donor advised funds":true,"Conservation easements":true,"Collections of art":true,"School":true,"Hospital":true,"Foreign activities":true,"Foreign office":true,"Gaming":true,"Fundraising activities":true,"Professional fundraising":true,"Loan to officer or DQP":true,"Grant to related person":true,"Business relationship through family member":true,"Business relationship with organization":true},"Revenues":{"value":887481,"Contributions":{"value":689645,"Other contributions":689645,"Contributions from gifts and grants":0,"Fundraising revenue":0,"Dues":0,"Campaigns":0,"Grant revenue":0,"Related organizations":0},"Program revenue":{"value":0,"Total revenue":0,"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":85628,"Investment income total":85628,"Net investment gain":0,"Income from invest bond proceeds":0},"Other revenues":{"value":112208,"Other total":112208,"Royalties revenue":0,"Net rental income":0,"Net income from fundraising events":0,"Net income from gaming":0,"Net income":0,"Gross profit from sales of inventory":0,"Gain from sale of assets":0}},"Expenses":{"value":3395,"Grant expense":{"value":0,"Grants to domestic orgs":0,"Grants to domestic individuals":0,"Grants and similar":0,"Foreign grants":0},"Total professional fundraising expense":{"value":0,"Fundraising professional":0,"Fees to independent contractors":0},"Benefits paid to members":{"value":0,"Benefits paid to members Total":0},"Salaries":{"value":0,"Current officers":0,"Disqualified persons":0,"Other salaries and wages":0,"Pension plan contributions":0,"Other employee benefits":0,"Payroll taxes":0},"Other expenses":{"value":3395,"Management services":0,"Legal":0,"Accounting":0,"Lobbying services":0,"Investment management fees":0,"Other services":0,"Advertising":0,"Office expenses":2962,"Information technology":0,"Royalties":0,"Occupancy":0,"Travel":0,"Conferences and meetings":0,"Interest":0,"Payments to affiliates":0,"Depreciation and depletion":0,"Insurance":0,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":433,"All other expenses":0},"Functional Expenses":{"value":null,"Program Service Expenses":3395,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":8960354,"Non-interest bearing cash":5302481,"Savings and temp cash investments":0,"Pledges and grants receivable":250000,"Accounts receivable":0,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":3406574,"Inventories for sale or use":0,"Prepaid expenses deferred charges":1299,"Land, building, equipment":0,"Investments publicly traded":0,"Investments other":0,"Investments program related":0,"Intangible assets":0,"Other assets":0},"Liabilities":{"value":2764094,"Sum of Total Liabilities":0,"Accounts payable, accrued":0,"Grants payable":0,"Deferred, revenue":0,"Tax exempt bond liabilities":0,"Escrow account liability":0,"Loans from officers, directors":0,"Secured mortgages and notes payable":0,"Unsecured notes loans payable":2764094,"Other liabilities":0},"Fund balance":{"value":6196260,"Net assets without donor restriction":3669545,"Net assets with donor restriction":2526715,"Unrestricted net assets":0,"Temporarily restricted net assets":0,"Permanently restricted net assets":0},"Ratings":{"Program Expense Ratio":{"score":1.0,"percentile":0.9996999186356569},"Fundraising Efficiency":{"score":null,"percentile":null},"Operating Margin":{"score":0.9961745659907085,"percentile":0.9945967527119667},"Liabilities to Assets Ratio":{"score":0.308480446196657,"percentile":0.19826648181923953},"Operating Reserve Ratio":{"score":2639.279528718704,"percentile":0.9989384145009386},"Officer Compensation Ratio":{"score":24.251546391752576,"percentile":0.001961859727762049},"Program Expense Growth":{"score":0.027170101910567776,"percentile":0.436547612212843},"Revenue Growth":{"score":0.11715820808293802,"percentile":0.7989266629543058},"Asset Growth":{"score":0.3621671512910943,"percentile":0.9440914852332339},"Independent Voting Board Pct":{"score":0.0,"percentile":0.10798813433961453},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.7460060758790773,"percentile":0.912693687663525}},"source_xml":"202513159349301991_public.xml"},{"Organization":{"value":null,"Person":["Sandhya Nakhasi","Ryan Glasgo","Dion Cook","Kyle Mylius","My Tam Nguyen"],"Title":["President & Chief Investment Officer","Vice President & Chief Operating Officer","Board Member","Board Member","Board Member"],"Hours":[32.0,36.0,2.0,2.0,2.0],"Total Compensation":[70000,70000,0,0,0],"Direct compensation":[70000,70000,0,0,0],"Other compensation":[0,0,0,0,0]},"Basic":{"value":null,"mission":"To support equitable access to economic opportunities for immigrants, refugees, low-income, marginalized, and underserved communities in king county and the united states.","year":2020,"name":"COMMUNITY CREDIT LAB","phone":2536930009,"website":"www.communitycreditlab.org","type":"990","affiliation":null,"foreign_countries":["United States"],"principal_officer":"SANDHYA NAKHASI","year_formation":2019,"state_legal_domicile":"WA","total_volunteers":3,"tax_period_begin":"2020-10-01T00:00:00","tax_period_end":"2021-09-30T00:00:00","address":"450 ALASKAN WAY SOUTH SUITE 200, SEATTLE, WA, 98104, USA","city":"SEATTLE","state":"WA","country":"USA","zip_code":98104},"Governance":{"value":null,"501c3 determination":true,"501c determination":false,"Number of voting members":4,"Number of independent voting members":3,"Number of employees total":3,"Total Gross UBI":0,"Net unrelated business taxable income":0,"Number of employees":3,"Prohibited tax shelter transactions":true,"Taxable party notification":true,"Funds to pay premiums":true,"Premiums Paid":true,"Family or business relationship":true,"Delegation of management duties":true,"Conflict of interest policy":true,"Whistle blower policy":true,"Compensation process for CEO":true,"Compensation process for other employees":true,"Changes to organizing documents":true,"Material diversion or misuse":true,"Members or stockholders":true,"Election of board members":true,"Decisions subject to approval":true,"Minutes of governing body":true,"Local chapters":true,"Form 990 provided to governing body":true,"Document retention policy":true,"Investment in joint venture":true,"Independent audit financial statements":true,"Consolidated audit financial statements":true,"Accountant compile or review":true,"Political activities":true,"Donor advised funds":true,"Conservation easements":true,"Collections of art":true,"School":true,"Hospital":true,"Foreign activities":true,"Foreign office":true,"Gaming":true,"Fundraising activities":true,"Professional fundraising":true,"Loan to officer or DQP":true,"Grant to related person":true,"Business relationship through family member":true,"Business relationship with organization":true},"Revenues":{"value":538305,"Contributions":{"value":467314,"Other contributions":407805,"Contributions from gifts and grants":0,"Fundraising revenue":0,"Dues":0,"Campaigns":0,"Grant revenue":59509,"Related organizations":0},"Program revenue":{"value":70012,"Total revenue":{"value":70012,"SEMINARS FEES":449,"RESEARCH SERVICES":33000,"LOAN MANAGEMENT SERVICES":36563},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":942,"Investment income total":831,"Net investment gain":111,"Income from invest bond proceeds":0},"Other revenues":{"value":37,"Other total":37,"Royalties revenue":0,"Net rental income":0,"Net income from fundraising events":0,"Net income from gaming":0,"Net income":0,"Gross profit from sales of inventory":0,"Gain from sale of assets":0}},"Expenses":{"value":312476,"Grant expense":{"value":0,"Grants to domestic orgs":0,"Grants to domestic individuals":0,"Grants and similar":0,"Foreign grants":0},"Total professional fundraising expense":{"value":26188,"Fundraising professional":26188,"Fees to independent contractors":0},"Benefits paid to members":{"value":0,"Benefits paid to members Total":0},"Salaries":{"value":209991,"Current officers":140000,"Disqualified persons":0,"Other salaries and wages":41715,"Pension plan contributions":0,"Other employee benefits":11456,"Payroll taxes":16820},"Other expenses":{"value":76297,"Management services":0,"Legal":901,"Accounting":7818,"Lobbying services":0,"Investment management fees":0,"Other services":5417,"Advertising":3033,"Office expenses":18507,"Information technology":3683,"Royalties":0,"Occupancy":10052,"Travel":156,"Conferences and meetings":775,"Interest":0,"Payments to affiliates":0,"Depreciation and depletion":0,"Insurance":955,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":25000,"LOAN FORGIVENESS":20000,"LOAN LOSS":5000},"All other expenses":0},"Functional Expenses":{"value":null,"Program Service Expenses":217243,"Management And General Expenses":41012,"Fundraising Expenses":54221}},"Assets":{"value":1878981,"Non-interest bearing cash":1055826,"Savings and temp cash investments":501882,"Pledges and grants receivable":0,"Accounts receivable":0,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":303204,"Inventories for sale or use":0,"Prepaid expenses deferred charges":18069,"Land, building, equipment":0,"Investments publicly traded":0,"Investments other":0,"Investments program related":0,"Intangible assets":0,"Other assets":0},"Liabilities":{"value":1334127,"Sum of Total Liabilities":0,"Accounts payable, accrued":4127,"Grants payable":0,"Deferred, revenue":0,"Tax exempt bond liabilities":0,"Escrow account liability":0,"Loans from officers, directors":0,"Secured mortgages and notes payable":0,"Unsecured notes loans payable":1330000,"Other liabilities":0},"Fund balance":{"value":544854,"Net assets without donor restriction":544854,"Net assets with donor restriction":0,"Unrestricted net assets":0,"Temporarily restricted net assets":0,"Permanently restricted net assets":0},"Ratings":{"Program Expense Ratio":{"score":0.6952309937403193,"percentile":0.5340527901524977},"Fundraising Efficiency":{"score":8.618690175393297,"percentile":0.35354364499897756},"Operating Margin":{"score":0.4195186743574739,"percentile":0.8924592377043618},"Liabilities to Assets Ratio":{"score":0.7100268709476041,"percentile":0.09219203976186145},"Operating Reserve Ratio":{"score":6.013201013837863,"percentile":0.8332506443175266},"Officer Compensation Ratio":{"score":0.4480344090426145,"percentile":0.09141182107175073},"Program Expense Growth":{"score":null,"percentile":null},"Revenue Growth":{"score":null,"percentile":null},"Asset Growth":{"score":null,"percentile":null},"Independent Voting Board Pct":{"score":0.75,"percentile":0.17719847849878714},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.5402377486313616,"percentile":0.42905953403969255}},"source_xml":"202240409349300024_public.xml"},{"Organization":{"value":null,"Person":["SANDHYA NAKHASI","RYAN GLASGO","RODNEY FOXWORTH","VIVIENNE LEE"],"Title":["BOARD MEMBER/PRESIDENT","BOARD MEMBER/TREASURER","BOARD MEMBER/VICE PRESIDENT","BOARD MEMBER/SECRETARY"],"Hours":[1.0,1.0,1.0,1.0],"Total Compensation":[0,0,0,0],"Direct compensation":[0,0,0,0],"Other compensation":[0,0,0,0]},"Basic":{"value":null,"mission":"To support equitable access to economic opportunities for immigrants, refugees, low-income, marginalized, and underserved communities in king county and the united states.","year":2022,"name":"COMMUNITY CREDIT LAB","phone":2536930009,"website":"WWW.COMMUNITYCREDITLAB.ORG","type":"990","affiliation":null,"foreign_countries":["United States"],"principal_officer":"SANDHYA NAKHASI","year_formation":2019,"state_legal_domicile":"WA","total_volunteers":0,"tax_period_begin":"2022-10-01T00:00:00","tax_period_end":"2022-12-31T00:00:00","address":"450 ALASKAN WAY SOUTH SUITE 200, SEATTLE, WA, 981042785, USA","city":"SEATTLE","state":"WA","country":"USA","zip_code":981042785},"Governance":{"value":null,"501c3 determination":true,"501c determination":false,"Number of voting members":1,"Number of independent voting members":0,"Number of employees total":5,"Total Gross UBI":0,"Net unrelated business taxable income":0,"Number of employees":5,"Prohibited tax shelter transactions":true,"Taxable party notification":true,"Funds to pay premiums":false,"Premiums Paid":false,"Family or business relationship":true,"Delegation of management duties":true,"Conflict of interest policy":true,"Whistle blower policy":true,"Compensation process for CEO":true,"Compensation process for other employees":true,"Changes to organizing documents":true,"Material diversion or misuse":true,"Members or stockholders":true,"Election of board members":true,"Decisions subject to approval":true,"Minutes of governing body":true,"Local chapters":true,"Form 990 provided to governing body":true,"Document retention policy":true,"Investment in joint venture":true,"Independent audit financial statements":true,"Consolidated audit financial statements":true,"Accountant compile or review":true,"Political activities":true,"Donor advised funds":true,"Conservation easements":true,"Collections of art":true,"School":true,"Hospital":true,"Foreign activities":true,"Foreign office":true,"Gaming":true,"Fundraising activities":true,"Professional fundraising":true,"Loan to officer or DQP":true,"Grant to related person":true,"Business relationship through family member":true,"Business relationship with organization":true},"Revenues":{"value":4631133,"Contributions":{"value":1168146,"Other contributions":1168146,"Contributions from gifts and grants":0,"Fundraising revenue":0,"Dues":0,"Campaigns":0,"Grant revenue":0,"Related organizations":0},"Program revenue":{"value":0,"Total revenue":0,"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":4950,"Investment income total":4950,"Net investment gain":0,"Income from invest bond proceeds":0},"Other revenues":{"value":3458037,"Other total":3458037,"Royalties revenue":0,"Net rental income":0,"Net income from fundraising events":0,"Net income from gaming":0,"Net income":0,"Gross profit from sales of inventory":0,"Gain from sale of assets":0}},"Expenses":{"value":110655,"Grant expense":{"value":0,"Grants to domestic orgs":0,"Grants to domestic individuals":0,"Grants and similar":0,"Foreign grants":0},"Total professional fundraising expense":{"value":0,"Fundraising professional":0,"Fees to independent contractors":0},"Benefits paid to members":{"value":0,"Benefits paid to members Total":0},"Salaries":{"value":2068,"Current officers":0,"Disqualified persons":0,"Other salaries and wages":0,"Pension plan contributions":0,"Other employee benefits":2068,"Payroll taxes":0},"Other expenses":{"value":108587,"Management services":0,"Legal":0,"Accounting":1250,"Lobbying services":0,"Investment management fees":0,"Other services":0,"Advertising":0,"Office expenses":0,"Information technology":1717,"Royalties":0,"Occupancy":0,"Travel":0,"Conferences and meetings":0,"Interest":0,"Payments to affiliates":0,"Depreciation and depletion":0,"Insurance":1537,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":103020,"LOAN LOSS":92968,"LOAN FORGIVENESS EXPENS":5878,"CONTRACTORS - OUTSOURCE":3550,"DUES AND SUBSCRIPTIONS":624},"All other expenses":1063},"Functional Expenses":{"value":null,"Program Service Expenses":96793,"Management And General Expenses":13862,"Fundraising Expenses":0}},"Assets":{"value":7169714,"Non-interest bearing cash":4916151,"Savings and temp cash investments":0,"Pledges and grants receivable":0,"Accounts receivable":627599,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":1617575,"Inventories for sale or use":0,"Prepaid expenses deferred charges":8389,"Land, building, equipment":0,"Investments publicly traded":0,"Investments other":0,"Investments program related":0,"Intangible assets":0,"Other assets":0},"Liabilities":{"value":1644667,"Sum of Total Liabilities":0,"Accounts payable, accrued":69442,"Grants payable":0,"Deferred, revenue":0,"Tax exempt bond liabilities":0,"Escrow account liability":0,"Loans from officers, directors":0,"Secured mortgages and notes payable":0,"Unsecured notes loans payable":1575225,"Other liabilities":0},"Fund balance":{"value":5525047,"Net assets without donor restriction":5525047,"Net assets with donor restriction":0,"Unrestricted net assets":0,"Temporarily restricted net assets":0,"Permanently restricted net assets":0},"Ratings":{"Program Expense Ratio":{"score":0.8747277574443089,"percentile":0.7310970894121628},"Fundraising Efficiency":{"score":null,"percentile":null},"Operating Margin":{"score":0.9761062789602458,"percentile":0.9918056591841448},"Liabilities to Assets Ratio":{"score":0.22939087946883238,"percentile":0.23488425732466123},"Operating Reserve Ratio":{"score":64.79340291898242,"percentile":0.9848340598178066},"Officer Compensation Ratio":{"score":null,"percentile":null},"Program Expense Growth":{"score":0.031061949471899476,"percentile":0.45350218208896137},"Revenue Growth":{"score":0.8083096137727047,"percentile":0.9943194718928645},"Asset Growth":{"score":0.6330031341446705,"percentile":0.9850617930165944},"Independent Voting Board Pct":{"score":0.0,"percentile":0.10798813433961453},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.7343989083561339,"percentile":0.8989181428702562}},"source_xml":"202420299349300932_public.xml"},{"Organization":{"value":null,"Person":["SANDHYA NAKHASI","KYLE MYLIUS","MY TAM H NGUYEN","JORDAN SANCHEZ","SUMONA PATEL","KAITLYN RICH","RYAN GLASGO"],"Title":["ED,PRESIDENT & TREASURER","BOARD MEMBER","BOARD MEMBER","BOARD MEMBER","BOARD MEMBER","BOARD MEMBER","VICE PRESIDENT & SECRETARY"],"Hours":[40.0,2.0,2.0,2.0,2.0,2.0,40.0],"Total Compensation":[74764,0,0,0,0,0,74764],"Direct compensation":[70500,0,0,0,0,0,70500],"Other compensation":[4264,0,0,0,0,0,4264]},"Basic":{"value":null,"mission":"To support equitable access to economic opportunities for immigrants, refugees, low-income, marginalized, and underserved communities in king county and the united states.","year":2021,"name":"COMMUNITY CREDIT LAB","phone":2536930009,"website":"WWW.COMMUNITYCREDITLAB.ORG","type":"990","affiliation":null,"foreign_countries":["United States"],"principal_officer":"SANDHYA NAKHASI","year_formation":2019,"state_legal_domicile":"WA","total_volunteers":3,"tax_period_begin":"2021-10-01T00:00:00","tax_period_end":"2022-09-30T00:00:00","address":"450 ALASKAN WAY SOUTH SUITE 200, SEATTLE, WA, 981042785, USA","city":"SEATTLE","state":"WA","country":"USA","zip_code":981042785},"Governance":{"value":null,"501c3 determination":true,"501c determination":false,"Number of voting members":7,"Number of independent voting members":5,"Number of employees total":6,"Total Gross UBI":0,"Net unrelated business taxable income":0,"Number of employees":6,"Prohibited tax shelter transactions":true,"Taxable party notification":true,"Funds to pay premiums":true,"Premiums Paid":true,"Family or business relationship":true,"Delegation of management duties":true,"Conflict of interest policy":true,"Whistle blower policy":true,"Compensation process for CEO":true,"Compensation process for other employees":true,"Changes to organizing documents":true,"Material diversion or misuse":true,"Members or stockholders":true,"Election of board members":true,"Decisions subject to approval":true,"Minutes of governing body":true,"Local chapters":true,"Form 990 provided to governing body":true,"Document retention policy":true,"Investment in joint venture":true,"Independent audit financial statements":true,"Consolidated audit financial statements":true,"Accountant compile or review":true,"Political activities":true,"Donor advised funds":true,"Conservation easements":true,"Collections of art":true,"School":true,"Hospital":true,"Foreign activities":true,"Foreign office":true,"Gaming":true,"Fundraising activities":true,"Professional fundraising":true,"Loan to officer or DQP":true,"Grant to related person":true,"Business relationship through family member":true,"Business relationship with organization":true},"Revenues":{"value":1364814,"Contributions":{"value":1278947,"Other contributions":1278947,"Contributions from gifts and grants":0,"Fundraising revenue":0,"Dues":0,"Campaigns":0,"Grant revenue":0,"Related organizations":0},"Program revenue":{"value":82870,"Total revenue":{"value":82870,"RESEARCH SERVICES":58620,"LOAN MANAGEMENT SERVIC":23250,"SEMINARS FEES":1000},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":2260,"Investment income total":2260,"Net investment gain":0,"Income from invest bond proceeds":0},"Other revenues":{"value":737,"Other total":737,"Royalties revenue":0,"Net rental income":0,"Net income from fundraising events":0,"Net income from gaming":0,"Net income":0,"Gross profit from sales of inventory":0,"Gain from sale of assets":0}},"Expenses":{"value":905099,"Grant expense":{"value":0,"Grants to domestic orgs":0,"Grants to domestic individuals":0,"Grants and similar":0,"Foreign grants":0},"Total professional fundraising expense":{"value":17125,"Fundraising professional":17125,"Fees to independent contractors":0},"Benefits paid to members":{"value":0,"Benefits paid to members Total":0},"Salaries":{"value":453888,"Current officers":141000,"Disqualified persons":0,"Other salaries and wages":248526,"Pension plan contributions":0,"Other employee benefits":32543,"Payroll taxes":31819},"Other expenses":{"value":434086,"Management services":0,"Legal":1090,"Accounting":8698,"Lobbying services":0,"Investment management fees":0,"Other services":0,"Advertising":610,"Office expenses":34995,"Information technology":0,"Royalties":0,"Occupancy":13083,"Travel":9017,"Conferences and meetings":1204,"Interest":0,"Payments to affiliates":0,"Depreciation and depletion":0,"Insurance":6621,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":355093,"INTERCOMPANY EXPENSES":300000,"CONTRACTORS - OUTSOURCE":45837,"LOAN LOSS":7814,"PAYROLL PROCESSING FEE":1442},"All other expenses":3675},"Functional Expenses":{"value":null,"Program Service Expenses":408735,"Management And General Expenses":395926,"Fundraising Expenses":100438}},"Assets":{"value":3121640,"Non-interest bearing cash":1299875,"Savings and temp cash investments":387749,"Pledges and grants receivable":0,"Accounts receivable":23250,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":1393807,"Inventories for sale or use":0,"Prepaid expenses deferred charges":16959,"Land, building, equipment":0,"Investments publicly traded":0,"Investments other":0,"Investments program related":0,"Intangible assets":0,"Other assets":0},"Liabilities":{"value":2117071,"Sum of Total Liabilities":0,"Accounts payable, accrued":74846,"Grants payable":0,"Deferred, revenue":0,"Tax exempt bond liabilities":0,"Escrow account liability":0,"Loans from officers, directors":0,"Secured mortgages and notes payable":0,"Unsecured notes loans payable":2042225,"Other liabilities":0},"Fund balance":{"value":1004569,"Net assets without donor restriction":482769,"Net assets with donor restriction":521800,"Unrestricted net assets":0,"Temporarily restricted net assets":0,"Permanently restricted net assets":0},"Ratings":{"Program Expense Ratio":{"score":0.45159148336259347,"percentile":0.4694194936076628},"Fundraising Efficiency":{"score":12.733696409725402,"percentile":0.4725637650646075},"Operating Margin":{"score":0.33683344397111986,"percentile":0.8560568156180586},"Liabilities to Assets Ratio":{"score":0.6781919119437219,"percentile":0.09737079935041205},"Operating Reserve Ratio":{"score":3.4489486785423473,"percentile":0.7409420161717485},"Officer Compensation Ratio":{"score":0.16520623710776391,"percentile":0.3788797033718884},"Program Expense Growth":{"score":0.5306753001392102,"percentile":0.9382901128619427},"Revenue Growth":{"score":0.7230866980771402,"percentile":0.9921780051855467},"Asset Growth":{"score":0.6141877167610498,"percentile":0.9837917566509393},"Independent Voting Board Pct":{"score":0.7142857142857143,"percentile":0.1656041307828256},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.6378645268841704,"percentile":0.7109121441297597}},"source_xml":"202320169349300912_public.xml"},{"Organization":{"value":null,"Person":["SANDHYA NAKHASI","JESSICA FEINGOLD","JENNIFER NJUGUNA","VICTORIA MONTEIRO","TYRA EDMOND"],"Title":["DIRECTOR AND PRESIDENT","DIRECTOR AND VICE PRESIDENT","DIRECTOR","SECRETARY","TREASURER"],"Hours":[1.0,1.0,1.0,1.0,1.0],"Total Compensation":[0,0,0,0,0],"Direct compensation":[0,0,0,0,0],"Other compensation":[0,0,0,0,0]},"Basic":{"value":null,"mission":"To support equitable access to economic opportunities for immigrants, refugees, low-income, marginalized, and underserved communities in king county and the united states.","year":2023,"name":"COMMUNITY CREDIT LAB","phone":2536930009,"website":"WWW.COMMUNITYCREDITLAB.ORG","type":"990","affiliation":null,"foreign_countries":["United States"],"principal_officer":"SANDHYA NAKHASI","year_formation":2019,"state_legal_domicile":"WA","total_volunteers":5,"tax_period_begin":"2023-01-01T00:00:00","tax_period_end":"2023-12-31T00:00:00","address":"450 ALASKAN WAY SOUTH 200, SEATTLE, WA, 981042785, USA","city":"SEATTLE","state":"WA","country":"USA","zip_code":981042785},"Governance":{"value":null,"501c3 determination":true,"501c determination":false,"Number of voting members":5,"Number of independent voting members":5,"Number of employees total":0,"Total Gross UBI":0,"Net unrelated business taxable income":0,"Number of employees":0,"Prohibited tax shelter transactions":true,"Taxable party notification":true,"Funds to pay premiums":false,"Premiums Paid":false,"Family or business relationship":true,"Delegation of management duties":true,"Conflict of interest policy":true,"Whistle blower policy":true,"Compensation process for CEO":true,"Compensation process for other employees":true,"Changes to organizing documents":true,"Material diversion or misuse":true,"Members or stockholders":true,"Election of board members":true,"Decisions subject to approval":true,"Minutes of governing body":true,"Local chapters":true,"Form 990 provided to governing body":true,"Document retention policy":true,"Investment in joint venture":true,"Independent audit financial statements":true,"Consolidated audit financial statements":true,"Accountant compile or review":true,"Political activities":true,"Donor advised funds":true,"Conservation easements":true,"Collections of art":true,"School":true,"Hospital":true,"Foreign activities":true,"Foreign office":true,"Gaming":true,"Fundraising activities":true,"Professional fundraising":true,"Loan to officer or DQP":true,"Grant to related person":true,"Business relationship through family member":true,"Business relationship with organization":true},"Revenues":{"value":301770,"Contributions":{"value":232463,"Other contributions":232463,"Contributions from gifts and grants":0,"Fundraising revenue":0,"Dues":0,"Campaigns":0,"Grant revenue":0,"Related organizations":0},"Program revenue":{"value":0,"Total revenue":0,"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":69307,"Investment income total":69307,"Net investment gain":0,"Income from invest bond proceeds":0},"Other revenues":{"value":0,"Other total":0,"Royalties revenue":0,"Net rental income":0,"Net income from fundraising events":0,"Net income from gaming":0,"Net income":0,"Gross profit from sales of inventory":0,"Gain from sale of assets":0}},"Expenses":{"value":667141,"Grant expense":{"value":0,"Grants to domestic orgs":0,"Grants to domestic individuals":0,"Grants and similar":0,"Foreign grants":0},"Total professional fundraising expense":{"value":0,"Fundraising professional":0,"Fees to independent contractors":0},"Benefits paid to members":{"value":0,"Benefits paid to members Total":0},"Salaries":{"value":0,"Current officers":0,"Disqualified persons":0,"Other salaries and wages":0,"Pension plan contributions":0,"Other employee benefits":0,"Payroll taxes":0},"Other expenses":{"value":667141,"Management services":0,"Legal":0,"Accounting":0,"Lobbying services":0,"Investment management fees":0,"Other services":0,"Advertising":0,"Office expenses":0,"Information technology":5363,"Royalties":0,"Occupancy":0,"Travel":0,"Conferences and meetings":0,"Interest":0,"Payments to affiliates":0,"Depreciation and depletion":0,"Insurance":512,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":660654,"LOAN LOSS":618407,"INTERCOMPANY EXPENSES":40000,"SUBSCRIPTIONS":1214,"LOAN FORGIVENESS":1033},"All other expenses":612},"Functional Expenses":{"value":null,"Program Service Expenses":624803,"Management And General Expenses":42338,"Fundraising Expenses":0}},"Assets":{"value":7718349,"Non-interest bearing cash":4683856,"Savings and temp cash investments":0,"Pledges and grants receivable":0,"Accounts receivable":272812,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":2760381,"Inventories for sale or use":0,"Prepaid expenses deferred charges":1300,"Land, building, equipment":0,"Investments publicly traded":0,"Investments other":0,"Investments program related":0,"Intangible assets":0,"Other assets":0},"Liabilities":{"value":2406175,"Sum of Total Liabilities":0,"Accounts payable, accrued":0,"Grants payable":0,"Deferred, revenue":0,"Tax exempt bond liabilities":0,"Escrow account liability":0,"Loans from officers, directors":0,"Secured mortgages and notes payable":0,"Unsecured notes loans payable":2406175,"Other liabilities":0},"Fund balance":{"value":5312174,"Net assets without donor restriction":5312174,"Net assets with donor restriction":0,"Unrestricted net assets":0,"Temporarily restricted net assets":0,"Permanently restricted net assets":0},"Ratings":{"Program Expense Ratio":{"score":0.9365381531040664,"percentile":0.8260768691645252},"Fundraising Efficiency":{"score":null,"percentile":null},"Operating Margin":{"score":-1.2107598502170527,"percentile":0.035672396747372305},"Liabilities to Assets Ratio":{"score":0.31174736980667755,"percentile":0.1969188408362052},"Operating Reserve Ratio":{"score":11.569291948778444,"percentile":0.9054117822046097},"Officer Compensation Ratio":{"score":null,"percentile":null},"Program Expense Growth":{"score":0.28685759818239087,"percentile":0.8589611319956024},"Revenue Growth":{"score":0.2866817971672341,"percentile":0.9416336235750036},"Asset Growth":{"score":0.46495438784411897,"percentile":0.9675204320254388},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.7013213877718222,"percentile":0.8509950137819443}},"source_xml":"202441279349300049_public.xml"},{"Organization":{"value":null,"Person":["Sandhya Nakhasi","Ryan Glasgo","Dion Cook","Kyle Mylius","Kristin Economo","My Tam Nguyen"],"Title":["President & Treasurer","Vice President & Secretary","Board Member","Board Member","Board Member","Board Member"],"Hours":[40.0,40.0,2.0,2.0,2.0,2.0],"Total Compensation":[17500,17500,0,0,0,0],"Direct compensation":[17500,17500,0,0,0,0],"Other compensation":[0,0,0,0,0,0]},"Basic":{"value":null,"mission":"To support equitable access to economic opportunities for immigrants, refugees, low-income, marginalized, and underserved communities in king county and the united states.","year":2019,"name":"COMMUNITY CREDIT LAB","phone":2536930009,"website":"www.communitycreditlab.org","type":"990","affiliation":null,"foreign_countries":["United States"],"principal_officer":"Sandhya Nakhasi","year_formation":2019,"state_legal_domicile":"WA","total_volunteers":4,"tax_period_begin":"2019-10-01T00:00:00","tax_period_end":"2020-09-30T00:00:00","address":"450 Alaskan Way South Suite 200, Seattle, WA, 98104, USA","city":"Seattle","state":"WA","country":"USA","zip_code":98104},"Governance":{"value":null,"501c3 determination":true,"501c determination":false,"Number of voting members":4,"Number of independent voting members":3,"Number of employees total":3,"Total Gross UBI":0,"Net unrelated business taxable income":0,"Number of employees":3,"Prohibited tax shelter transactions":true,"Taxable party notification":true,"Funds to pay premiums":true,"Premiums Paid":true,"Family or business relationship":true,"Delegation of management duties":true,"Conflict of interest policy":true,"Whistle blower policy":true,"Compensation process for CEO":true,"Compensation process for other employees":true,"Changes to organizing documents":true,"Material diversion or misuse":true,"Members or stockholders":true,"Election of board members":true,"Decisions subject to approval":true,"Minutes of governing body":true,"Local chapters":true,"Form 990 provided to governing body":true,"Document retention policy":true,"Investment in joint venture":true,"Independent audit financial statements":true,"Consolidated audit financial statements":true,"Accountant compile or review":true,"Political activities":true,"Donor advised funds":true,"Conservation easements":true,"Collections of art":true,"School":true,"Hospital":true,"Foreign activities":true,"Foreign office":true,"Gaming":true,"Fundraising activities":true,"Professional fundraising":true,"Loan to officer or DQP":true,"Grant to related person":true,"Business relationship through family member":true,"Business relationship with organization":true},"Revenues":{"value":301878,"Contributions":{"value":300761,"Other contributions":300761,"Contributions from gifts and grants":0,"Fundraising revenue":0,"Dues":0,"Campaigns":0,"Grant revenue":0,"Related organizations":0},"Program revenue":{"value":118,"Total revenue":118,"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":999,"Investment income total":999,"Net investment gain":0,"Income from invest bond proceeds":0},"Other revenues":{"value":0,"Other total":0,"Royalties revenue":0,"Net rental income":0,"Net income from fundraising events":0,"Net income from gaming":0,"Net income":0,"Gross profit from sales of inventory":0,"Gain from sale of assets":0}},"Expenses":{"value":184446,"Grant expense":{"value":0,"Grants to domestic orgs":0,"Grants to domestic individuals":0,"Grants and similar":0,"Foreign grants":0},"Total professional fundraising expense":{"value":0,"Fundraising professional":0,"Fees to independent contractors":0},"Benefits paid to members":{"value":0,"Benefits paid to members Total":0},"Salaries":{"value":165128,"Current officers":140000,"Disqualified persons":0,"Other salaries and wages":3348,"Pension plan contributions":0,"Other employee benefits":8686,"Payroll taxes":13094},"Other expenses":{"value":19318,"Management services":0,"Legal":216,"Accounting":0,"Lobbying services":0,"Investment management fees":0,"Other services":3005,"Advertising":398,"Office expenses":2774,"Information technology":0,"Royalties":0,"Occupancy":6126,"Travel":121,"Conferences and meetings":51,"Interest":0,"Payments to affiliates":0,"Depreciation and depletion":0,"Insurance":6627,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":0,"All other expenses":0},"Functional Expenses":{"value":null,"Program Service Expenses":138334,"Management And General Expenses":27667,"Fundraising Expenses":18445}},"Assets":{"value":762061,"Non-interest bearing cash":147545,"Savings and temp cash investments":367731,"Pledges and grants receivable":0,"Accounts receivable":500,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":242017,"Inventories for sale or use":0,"Prepaid expenses deferred charges":4268,"Land, building, equipment":0,"Investments publicly traded":0,"Investments other":0,"Investments program related":0,"Intangible assets":0,"Other assets":0},"Liabilities":{"value":443036,"Sum of Total Liabilities":0,"Accounts payable, accrued":5082,"Grants payable":0,"Deferred, revenue":0,"Tax exempt bond liabilities":0,"Escrow account liability":0,"Loans from officers, directors":5000,"Secured mortgages and notes payable":0,"Unsecured notes loans payable":432954,"Other liabilities":0},"Fund balance":{"value":319025,"Net assets without donor restriction":244025,"Net assets with donor restriction":75000,"Unrestricted net assets":0,"Temporarily restricted net assets":0,"Permanently restricted net assets":0},"Ratings":{"Program Expense Ratio":{"score":0.7499972891794888,"percentile":0.573070819201985},"Fundraising Efficiency":{"score":16.305828137706694,"percentile":0.5434309046589035},"Operating Margin":{"score":0.3890048297656669,"percentile":0.8804221755692597},"Liabilities to Assets Ratio":{"score":0.5813655337302395,"percentile":0.11610626596726169},"Operating Reserve Ratio":{"score":4.13162117909849,"percentile":0.7745202908740225},"Officer Compensation Ratio":{"score":0.1897574357806621,"percentile":0.3316617396328387},"Program Expense Growth":{"score":null,"percentile":null},"Revenue Growth":{"score":null,"percentile":null},"Asset Growth":{"score":null,"percentile":null},"Independent Voting Board Pct":{"score":0.75,"percentile":0.17719847849878714},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.5885615972992166,"percentile":0.571781801514004}},"source_xml":"202140149349301654_public.xml"}],"Latest":{"Organization":{"value":null,"Person":["SANDHYA NAKHASI","JESSICA FEINGOLD","JENNIFER NJUGUNA","TYRA EDMOND","VICTORIA MONTEIRO"],"Title":["DIRECTOR AND PRESIDENT","DIRECTOR AND VICE PRESIDENT","DIRECTOR","TREASURER","SECRETARY"],"Hours":[1.0,1.0,1.0,1.0,1.0],"Total Compensation":[17288,24288,9068,14529,17161],"Direct compensation":[0,0,0,0,0],"Other compensation":[17288,24288,9068,14529,17161]},"Basic":{"value":null,"mission":"To support equitable access to economic opportunities for immigrants, refugees, low-income, marginalized, and underserved communities in king county and the united states.","year":2024,"name":"COMMUNITY CREDIT LAB","phone":2536930009,"website":"WWW.COMMUNITYCREDITLAB.ORG","type":"990","affiliation":null,"foreign_countries":["United States"],"principal_officer":"SANDHYA NAKHASI","year_formation":2019,"state_legal_domicile":"WA","total_volunteers":0,"tax_period_begin":"2024-01-01T00:00:00","tax_period_end":"2024-12-31T00:00:00","address":"450 ALASKAN WAY SOUTH 200, SEATTLE, WA, 981042785, USA","city":"SEATTLE","state":"WA","country":"USA","zip_code":981042785},"Governance":{"value":null,"501c3 determination":true,"501c determination":false,"Number of voting members":5,"Number of independent voting members":0,"Number of employees total":0,"Total Gross UBI":0,"Net unrelated business taxable income":0,"Number of employees":0,"Prohibited tax shelter transactions":true,"Taxable party notification":true,"Funds to pay premiums":true,"Premiums Paid":true,"Family or business relationship":true,"Delegation of management duties":true,"Conflict of interest policy":true,"Whistle blower policy":true,"Compensation process for CEO":true,"Compensation process for other employees":true,"Changes to organizing documents":true,"Material diversion or misuse":true,"Members or stockholders":true,"Election of board members":true,"Decisions subject to approval":true,"Minutes of governing body":true,"Local chapters":true,"Form 990 provided to governing body":true,"Document retention policy":true,"Investment in joint venture":true,"Independent audit financial statements":true,"Consolidated audit financial statements":true,"Accountant compile or review":true,"Political activities":true,"Donor advised funds":true,"Conservation easements":true,"Collections of art":true,"School":true,"Hospital":true,"Foreign activities":true,"Foreign office":true,"Gaming":true,"Fundraising activities":true,"Professional fundraising":true,"Loan to officer or DQP":true,"Grant to related person":true,"Business relationship through family member":true,"Business relationship with organization":true},"Revenues":{"value":887481,"Contributions":{"value":689645,"Other contributions":689645,"Contributions from gifts and grants":0,"Fundraising revenue":0,"Dues":0,"Campaigns":0,"Grant revenue":0,"Related organizations":0},"Program revenue":{"value":0,"Total revenue":0,"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":85628,"Investment income total":85628,"Net investment gain":0,"Income from invest bond proceeds":0},"Other revenues":{"value":112208,"Other total":112208,"Royalties revenue":0,"Net rental income":0,"Net income from fundraising events":0,"Net income from gaming":0,"Net income":0,"Gross profit from sales of inventory":0,"Gain from sale of assets":0}},"Expenses":{"value":3395,"Grant expense":{"value":0,"Grants to domestic orgs":0,"Grants to domestic individuals":0,"Grants and similar":0,"Foreign grants":0},"Total professional fundraising expense":{"value":0,"Fundraising professional":0,"Fees to independent contractors":0},"Benefits paid to members":{"value":0,"Benefits paid to members Total":0},"Salaries":{"value":0,"Current officers":0,"Disqualified persons":0,"Other salaries and wages":0,"Pension plan contributions":0,"Other employee benefits":0,"Payroll taxes":0},"Other expenses":{"value":3395,"Management services":0,"Legal":0,"Accounting":0,"Lobbying services":0,"Investment management fees":0,"Other services":0,"Advertising":0,"Office expenses":2962,"Information technology":0,"Royalties":0,"Occupancy":0,"Travel":0,"Conferences and meetings":0,"Interest":0,"Payments to affiliates":0,"Depreciation and depletion":0,"Insurance":0,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":433,"All other expenses":0},"Functional Expenses":{"value":null,"Program Service Expenses":3395,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":8960354,"Non-interest bearing cash":5302481,"Savings and temp cash investments":0,"Pledges and grants receivable":250000,"Accounts receivable":0,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":3406574,"Inventories for sale or use":0,"Prepaid expenses deferred charges":1299,"Land, building, equipment":0,"Investments publicly traded":0,"Investments other":0,"Investments program related":0,"Intangible assets":0,"Other assets":0},"Liabilities":{"value":2764094,"Sum of Total Liabilities":0,"Accounts payable, accrued":0,"Grants payable":0,"Deferred, revenue":0,"Tax exempt bond liabilities":0,"Escrow account liability":0,"Loans from officers, directors":0,"Secured mortgages and notes payable":0,"Unsecured notes loans payable":2764094,"Other liabilities":0},"Fund balance":{"value":6196260,"Net assets without donor restriction":3669545,"Net assets with donor restriction":2526715,"Unrestricted net assets":0,"Temporarily restricted net assets":0,"Permanently restricted net assets":0},"Ratings":{"Program Expense Ratio":{"score":1.0,"percentile":0.9996999186356569},"Fundraising Efficiency":{"score":null,"percentile":null},"Operating Margin":{"score":0.9961745659907085,"percentile":0.9945967527119667},"Liabilities to Assets Ratio":{"score":0.308480446196657,"percentile":0.19826648181923953},"Operating Reserve Ratio":{"score":2639.279528718704,"percentile":0.9989384145009386},"Officer Compensation Ratio":{"score":24.251546391752576,"percentile":0.001961859727762049},"Program Expense Growth":{"score":0.027170101910567776,"percentile":0.436547612212843},"Revenue Growth":{"score":0.11715820808293802,"percentile":0.7989266629543058},"Asset Growth":{"score":0.3621671512910943,"percentile":0.9440914852332339},"Independent Voting Board Pct":{"score":0.0,"percentile":0.10798813433961453},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.7460060758790773,"percentile":0.912693687663525}},"source_xml":"202513159349301991_public.xml"},"sector":"Human Services","donation_categories":[],"zakat_policy":null},"error":null}