Credit Do Inc
Nonprofit profile at a glance
- EIN
- 273885847
- IRS 990-EZ coverage
- 2012–2025
- Forms available
- Form 990-EZ 2025, Form 990-N 2011
- Location
- South Orange, NJ, USA
- Phone
- 9178212421
- Rating
- 91
- Verdict
- STRONG
- Rating confidence
- Moderate
- Sector
- Human Service Organizations
Reported finances
- Revenue
- $65,859
- Expenses
- $90,598
- Assets
- $5,023
- Liabilities
- $3,642
Source: IRS Form 990-EZ. Selected filing: tax year 2025. Amounts in USD.
Leadership & pay
3 people listed
Executive titles in this filing
- CHRIS AVILA HUBSCHMANN (FOUNDER/CEO)
People named in this filing
- CHRIS AVILA HUBSCHMANN (FOUNDER/CEO)
- HALLE DARMSTADT (BOARD SECRETARY)
- JENNIFER PASTILOFF (FUNDRAISING CHAIR)
Selected names, not a complete roster or a statement of current roles. Open leadership details for the complete filed list.
Source: IRS Form 990-EZ. Selected filing: tax year 2025. Names and roles reflect this filing, not necessarily current officeholders.
Overview
Mission
Credit do is a non-profit organization dedicated to making financial independence a reality for all. We create unique opportunities for purchasing food, clothes, school supplies and other essential goods in exchange for doing social good.
What it reported doing in 2025
All other programs - this consists of $1,050 of assistance to students for their savings, $840 in contractor fees, and $120 in supplies for the education savings program, as well as $540 in donated office supplies and program materials for the youth program.
Operating model
- Revenue model
- Donor-supported. 100% of the money available for current operations came from contributions and gifts.
- Distribution model
- Direct operator. The filing allocates 98% of reported program-service expenses outside its grant, affiliate-payment, and member-benefit lines. This expense classification does not rule out separately announced grant awards.
The verdict
STRONG - A large share of available resources goes toward mission work and the filed numbers largely add up. Expenses are high relative to revenue and total assets are small relative to annual expenses; liquid coverage is unknown.
Rating breakdown
- Financial Efficiency: 91
- Transparency & Controls: 100
- Sustainability: 11
- Growth: 100
Detailed rating inputs
Financial Efficiency
- Mission deployment rate: 100%; rating input score 100
- Program expense ratio: 76.2%; rating input score 76
Transparency & Controls
- Consistency checks: 100%; rating input score 100; 51st percentile among comparable filings
- Major donor itemization: Yes; rating input score 100
Sustainability
- Operating margin: -37.6%; rating input score 15; 15th percentile among comparable filings
- Total-asset coverage ratio: 0.06; rating input score 10; 10th percentile among comparable filings
- Liabilities to assets ratio: 0.73; rating input score 6; 6th percentile among comparable filings
- Officer compensation ratio: 33.9%; rating input score 5; 5th percentile among comparable filings
Growth
- Program expense growth: 3.8% per year; rating input score 100; 58th percentile among comparable filings
- Revenue growth: 2.1% per year; rating input score 100; 58th percentile among comparable filings
- Asset growth: 5.1% per year; rating input score 100; 56th percentile among comparable filings
Details
- Where the money goes: 100% of revenue deployed · 76.2% of spending went to programs
- Governance: Filed governance answers
- Accomplishments: 3 filed program accomplishments · $69K in reported program spending
- Leadership: top reported pay $0 · 3 people listed
- Consistency: 9 of 9 current checks pass
- Schedules: 3 filed schedules
- Filing history: 8 filing years from 2012 to 2025
- Contacts: How to reach this organization
- Money network: 1 filed money-flow record
- Grant readiness: Federal tax and exclusion status, award history, and grant-maker relationships.
- People: Everyone the filings name, and which of them the filings identify by more than a name.
Key Signals
Signals prioritize questions for review. They are not findings of misconduct.
- High — Sustainability: Operating margin scored 15/100.
- High — Sustainability: Total-asset coverage ratio scored 10/100.
- High — Sustainability: Officer compensation ratio scored 5/100.
- High — Sustainability: Liabilities to assets ratio scored 6/100.