CREDIT BUILDERS ALLIANCE INC (EIN 208351782) - Form 990 Financial Analysis & Trantor Score

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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

2006

Legal Domicile

Principal Officer

DARA DUGUAY

Phone

2027309390

Tax Period

2024-01-01 to 2024-12-31

CREDIT BUILDERS ALLIANCE INC, founded in 2006, is a community nonprofit in the Mutual Benefit sector that reported $4.9M in total revenue in fiscal year 2024.

Mission

TO HELP ORGANIZATIONS MOVE PEOPLE FROM POVERTY TO PROSPERITY THROUGH CREDIT BUILDING.

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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%)

Financial Overview (2024)

Revenue Breakdown

Contributions & Grants $2,866,937

Program Service Revenue $1,376,134

Investment Income $278,724

Other Revenue $366,492

TOTAL REVENUE $4,888,287

Expense Breakdown

Grants Paid $689,716

Salaries & Benefits $2,790,732

Fundraising Expenses $14,713

Program Expenses $4,483,830

Other Expenses $1,508,261

TOTAL EXPENSES $4,988,709

Year-over-Year Comparison

	2024	2023	Change
Revenue	$4,888,287	$4,747,116	+0.0%
Expenses	$4,988,709	$4,460,136	+0.1%
Net Income	$-100,422	$286,980	-1.3%

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

Comprehensive financial analysis: Altman Z-Score, liquidity, solvency, sustainability, efficiency, and growth metrics

Financial Distress Indicator

Liquidity & Cash Position

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

Governance

Voting Members

Independent Members

Employees

Volunteers

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

$404,646

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
DONOVAN DUNCAN	CHAIR	2.00	Officer Director	$0	$0	$0
KEVIN FRYATT	TREASURER	2.00	Officer Director	$0	$0	$0
MARGARET LIBBY	SECRETARY	2.00	Officer Director	$0	$0	$0
CINDY LOGSDON	DIRECTOR	2.00	Director	$0	$0	$0
ABIGAIL LOVELL	DIRECTOR	2.00	Director	$0	$0	$0
COURTNEY BRINKMAN	DIRECTOR	2.00	Director	$0	$0	$0
DERISON PUNTIER	DIRECTOR	2.00	Director	$0	$0	$0
LAURIE HUSABY	DIRECTOR	2.00	Director	$0	$0	$0
DWAYNE KEYS	DIRECTOR	2.00	Director	$0	$0	$0
APARNA SARIN	DIRECTOR	2.00	Director	$0	$0	$0
PRISCILLA WOO	DIRECTOR	2.00	Director	$0	$0	$0
CY RICHARDSON	DIRECTOR	2.00	Director	$0	$0	$0
VALECIA QUINN	DIRECTOR	2.00	Director	$0	$0	$0
JEFF RICHARDSON	DIRECTOR	2.00	Director	$0	$0	$0
GIOVANNA PIOVANETTI	DIRECTOR	2.00	Director	$0	$0	$0
HOLLY FRINDELL - INCOMING	DIRECTOR	2.00	Director	$0	$0	$0
ELIZABETH FAIRMAN - INCOMING	DIRECTOR	2.00	Director	$0	$0	$0
ERIC ELLMAN - OUTGOING	DIRECTOR	2.00	Director	$0	$0	$0
SETH JULYAN - OUTGOING	DIRECTOR	2.00	Director	$0	$0	$0
DINESH WADHWANI - OUTGOING	DIRECTOR	2.00	Director	$0	$0	$0
SHAWNA COLLIER - OUTGOING	DIRECTOR	2.00	Director	$0	$0	$0
DARA DUGUAY	CEO	28.00	Officer	$212,586	$22,043	$234,629
JULIA GAZIZOVA	CFO	28.00	Officer	$158,686	$11,331	$170,017
ELISABETH JOHNSON-CRAWFORD	CHIEF TECHNI	40.00	Highest	$149,304	$2,540	$151,844
ZACH MORROW	COO	20.00	Highest	$140,756	$9,014	$149,770
RICHARD REEVE	CHIEF PROGRA	36.00	Highest	$143,872	$25,254	$169,126
MARY JO HALDER	TRAINING DIR	40.00	Highest	$101,458	$8,617	$110,075

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
2024	$4,888,287	$4,988,709	$8,552,319	$-100,422
2023	$4,747,116	$4,460,136	$8,538,896	$286,980
2022	$5,600,497	$3,367,261	$8,198,473	$2,233,236
2021	$4,093,739	$2,221,901	$3,615,350	$1,871,838
2020	$1,994,285	$1,943,835	$1,753,145	$50,450
2019	$2,269,768	$2,356,108	$1,436,719	$-86,340
2018	$2,051,343	$1,677,970	$1,478,610	$373,373

CREDIT BUILDERS ALLIANCE INC