COMMUNITY CREDIT LAB

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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

2019

Legal Domicile

Principal Officer

SANDHYA NAKHASI

Phone

2536930009

Tax Period

2023-01-01 to 2023-12-31

COMMUNITY CREDIT LAB, founded in 2019, is a small nonprofit in the Human Services sector that reported $302K in total revenue in fiscal year 2023. Revenue fell 93% from the prior year — a significant decline worth monitoring. Expenses of $667K exceeded revenue, resulting in a 121% operating deficit.

Mission

TO SUPPORT EQUITABLE ACCESS TO ECONOMIC OPPORTUNITIES FOR IMMIGRANTS, REFUGEES, LOW-INCOME, MARGINALIZED, AND UNDERSERVED COMMUNITIES IN KING COUNTY AND THE UNITED STATES.

Program Service Accomplishments

Program 1

Expenses: $624,803

DESIGN AND MANAGEMENT OF AFFORDABLE LENDING PROGRAMS THAT SEEK TO INCREASE ECONOMIC EQUALITY FOR COMMUNITIES FACING DISCRIMINATION.

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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 (2023)

Revenue Breakdown

Contributions & Grants $232,463

Program Service Revenue $0

Investment Income $69,307

Other Revenue $0

TOTAL REVENUE $301,770

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $624,803

Other Expenses $667,141

TOTAL EXPENSES $667,141

Year-over-Year Comparison

	2023	2022	Change
Revenue	$301,770	$4,631,133	-0.9%
Expenses	$667,141	$110,655	+5.0%
Net Income	$-365,371	$4,520,478	-1.1%

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

N/A

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

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
SANDHYA NAKHASI	DIRECTOR AND PRESIDENT	1.00	Officer Director	$0	$0	$0
JESSICA FEINGOLD	DIRECTOR AND VICE PRESIDENT	1.00	Officer Director	$0	$0	$0
JENNIFER NJUGUNA	DIRECTOR	1.00	Director	$0	$0	$0
VICTORIA MONTEIRO	SECRETARY	1.00	Officer Director	$0	$0	$0
TYRA EDMOND	TREASURER	1.00	Officer 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
2024	No data	No data	No data	No data
2023	$301,770	$667,141	$7,718,349	$-365,371
2022	$4,631,133	$110,655	$7,169,714	$4,520,478
2022	$1,003,534	$17,687	$6,635,083	$985,847
2022	$1,364,814	$905,099	$3,121,640	$459,715
2021	$538,305	$312,476	$1,878,981	$225,829
2020	$301,878	$184,446	$762,061	$117,432