CREDIT RESEARCH FOUNDATION INC

EIN: 135569334 501(c)(3) Public & Societal Benefit

WESTMINSTER, MD

Total Revenue
$1,603,588
Total Expenses
$1,599,320
Total Assets
$1,645,971
Net Assets
$943,681
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Financial Vulnerability Assessment (Tuckman-Chang)

4 risk indicators measuring financial stability and operational resilience

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Financial Trends

Organization Details

Formation Year
1949
Legal Domicile
MD
Principal Officer
MATT SKUDERA
Phone
4438213000
Tax Period
2025-01-01 to 2025-12-31

CREDIT RESEARCH FOUNDATION INC, founded in 1949, is a community nonprofit in the Public & Societal Benefit sector that reported $1.6M in total revenue in fiscal year 2025. Revenue decreased 10% compared to the prior year.

Mission

THE FOUNDATION'S PRIMARY OBJECTIVE IS TO PROVIDE EDUCATION AND RESEARCH FOR TODAY'S CREDIT, ACCOUNTS RECEIVABLE AND CUSTOMER FINANCIAL SERVICE PROFESSIONALS. CRF PROMOTES LEADERSHIP AND PROVIDES LINKAGE BETWEEN PRACTICE AND EDUCATION, SERVING ITS DIVERSE MEMBERSHIP BY RECOGNIZING EXCELLENCE, PROMOTING THE EXCHANGE OF INFORMATION AND FOSTERING INTELLECTUAL DEVELOPMENT.

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Trantor Score

Financial Health Score (300–850) · Liquidity · Solvency · Sustainability · Efficiency

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Liquidity (40%) • Solvency (30%) • Sustainability (20%) • Efficiency (10%)

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Financial Overview (2025)

Revenue Breakdown

Contributions & Grants $346,680
Program Service Revenue $1,142,071
Investment Income $59,987
Other Revenue $54,850
TOTAL REVENUE $1,603,588

Expense Breakdown

Grants Paid $0
Salaries & Benefits $1,053,994
Fundraising Expenses $0
Program Expenses $1,216,872
Other Expenses $545,326
TOTAL EXPENSES $1,599,320

Year-over-Year Comparison

2025 2024 Change
Revenue $1,603,588 $1,789,990 -0.1%
Expenses $1,599,320 $1,735,871 -0.1%
Net Income $4,268 $54,119 -0.9%
Key Indicators
✗ Grants to Organizations ✗ Grants to Individuals ✗ Lobbying ✗ Political Activity ✗ Foreign Activities ✗ Donor Advised Fund ✓ Schedule B Required
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Financial Health Indicators

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Financial Distress Indicator

Liquidity & Cash Position

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Altman Z-Score • Liquidity Ratios • Solvency Analysis • Growth Indicators • Efficiency Metrics

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Governance

Voting Members
8
Independent Members
8
Employees
4
Volunteers
N/A

Governance Policies

✗ Conflict of Interest Policy
✗ Whistleblower Policy
✗ Document Retention Policy

Special Practices & Reported Activities

✗ Operated a School
✗ Operated a Hospital
✗ Provided First Class Travel
✗ Reported Conflict of Interest
✗ Reported Asset Diversion
✗ Excess Benefit Transaction
✗ Made Political Expenditures
✗ Engaged in Lobbying
✗ Operated Donor Advised Fund
✗ Maintained Art Collections
✗ Filed Form 720

Compensation of Officers, Directors & Key Employees

Total Officers
5
$476,552
Total Directors
7
$0
Key Employees
0
$0
Highest Compensated
0
reported
Name Title Hours/Week Role Reportable Comp Other Comp Total
MATT SKUDERA PRESIDENT 40.00
Officer
$274,577 $13,200 $287,777
CHERYL WEAVERLING CFO 40.00
Officer
$180,615 $8,160 $188,775
ROBERT ANDERSON CHAIRMAN 1.00
Officer Director
$0 $0 $0
CHRIS ARRINGTON VICE CHAIR 1.00
Officer Director
$0 $0 $0
ANDREW MALUEG VICE CHAIR 1.00
Officer Director
$0 $0 $0
TONI MARIE-MCLEAN TRUSTEE 1.00
Director
$0 $0 $0
NANCY TOPICH TRUSTEE 1.00
Director
$0 $0 $0
TAYLOR RICKETTS PLATINUM PAR 1.00
Director
$0 $0 $0
CONRAD RAGAN VENDOR REP 1.00
Director
$0 $0 $0
Note: Compensation data is self-reported by the organization on their Form 990. "Reportable Comp" includes salary, bonuses, and other reportable compensation from the organization and related organizations. "Other Comp" includes benefits, deferred compensation, and non-taxable benefits.

Historical Data

Year Revenue Expenses Assets Net Income
2025 $1,603,588 $1,599,320 $1,645,971 $4,268
2024 No data No data No data No data
2023 $1,483,936 $1,588,797 $1,443,004 $-104,861
2022 $1,087,744 $1,648,958 $1,367,248 $-561,214
2021 $1,299,990 $1,335,757 $1,969,851 $-35,767
2020 $1,371,302 $1,259,492 $1,950,205 $111,810
2019 $1,550,907 $1,620,096 $1,973,935 $-69,189
2018 $1,724,238 $1,584,018 $1,993,897 $140,220
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