Washington, D.C. · Nonprofit
CREDIT BUILDERS ALLIANCE INC
CREDIT BUILDERS ALLIANCE INC (Washington, D.C.) receives grants from 15 organizations whose IRS filings report $8,351,626 to it, the largest being CITI FOUNDATION ($2,000,000). 9 of them have funded it in more than one year.
- Revenue FY2024
- $4.9M
- Funders on record
- 15
- Grants received
- $8.4M
- Net assets
- $5.4M
What Credit Builders Alliance Inc does
Mission
Cba's mission is to help organizations move people from poverty to prosperity through credit building. We do this by building the capacity of our nonprofit and municipal members to implement strategies necessary to help their clients build credit and enter the financial mainstream. Cba fills a void by being a bridge for credit building activities for non- traditional financial service providers. Our activities fall along a continuum, which allows cba to meet our members' needs at wherever point they may be in the credit building process.
As stated on its FY2024 Form 990.
Programs
1.core platform services: member and stakeholder relations, credit bureau services, and training institute a.member and stakeholder relations in 2024 our member and stakeholder relations team supported the onboarding of 71 new members. This team continues to provide more streamlined prospective member outreach and relationship cultivation, member management, and communications and event coordination. As of december 2024, cba had 637 members and 9 specifically designated ally organizations. B.bureau services I.cba reporter is an award-winning, one of a kind service that offers nonprofit and municipal lenders the technical assistance, concrete solutions, and interagency connections they need to effectively and efficiently help their low- and moderate-income clients build credit and long-term financial capability by reporting their low-and moderate-income borrowers' monthly microenterprise, small business, and consumer loan payments to the major consumer credit bureaus experian, transunion, and equifax. Cba offers a streamlined on-boarding process for guiding lender members through the credit bureau credentialing process in order to report their loans and supports the regular…
$3,388,176 spentof which $466,079 as grants$1,255,060 earned by the program76% of program spending2.innovations cba incubates a number of emerging and innovative credit building initiatives that advance its theory of change: building credit is part of the asset building pathway to improved financial stability and mission driven nonprofits are uniquely positioned to help the low-income households they serve build credit as an asset. In 2024 in particular, cba continued or newly catalyzed: a.rent reporting for credit building in 2015, cba formally rolled out its rent reporting for credit building service upon successful completion of a pilot focused on helping affordable and public housing providers report their residents' rental payments as a credit building strategy. In 2024, cba continued to support organizations interested in setting up rent reporting programs via its rent reporting center, which functions as a one-stop shop to locate all information related to rent reporting. Cba staff additionally provide implementation support to several cohorts of affordable housing providers and advise policymakers on best practices in rent reporting. B.cba symposium in 2014, cba offered its first ever and incredibly powerful credit building symposium. Due to popular demand the credit…
$1,095,654 spentof which $223,637 as grants$121,074 earned by the program24% of program spending
The 2 programs described on its FY2024 Form 990, listed largest first by expense. Program spending in total: $4,483,830.
The organization over time
Each line starts at 100 in 2017, so what you read is the shape rather than the size: 150 means half as much again as 2017, 50 means half. The number beside each label in the key is where it ended. The shaded band is where the middle 50% of its peers' revenue would sit, given their growth.
Balance sheet
Total assets and total liabilities at each year end, in dollars. The largest one-year move in total assets was 2021 to 2022, from $3.6M to $8.2M (+127%).
How it's funded, over time
Each bar is one year's revenue split into where it came from, and every bar is the same height — these are shares, not amounts, so a year that raised twice as much looks the same size. Hover a bar for the split.
Government-grant reliance: 2017 19% · 2018 13% · 2019 9% · 2020 17% · 2021 13% · 2022 4% · 2023 5% · 2024 7%. Grants only. Government contracts and fees sit inside program revenue.
59% of CREDIT BUILDERS ALLIANCE INC’s revenue is contributions — more reliant on donations than three-quarters of its peers (0% for the typical peer).
Surplus & reserves
Operating surplus or deficit each year, and months of liquidity in hand. 3 of the last 8 reported years ran a deficit.
reserve
Leadership and staff
The officers, directors, trustees and key employees listed on each return. Joined and no longer listed compare each filing with the year before, matching people by surname and first initial; a year after a gap, or a roster under three people, has no comparison.
Chief executive
Dara Duguay
CEO
Board chair
Donovan Duncan
Chair
As listed on its FY2024 Form 990.
Who funds it, year by year
2017 → 2023: the base broadened from 2 funders to 5 funders, grant income rose $30k → $1.5M.
3 of 15 of your funders are donor-advised or pass-through sponsors (tagged DAF) — 31% of grant dollars received. That money is really individual donors directing a sponsor; the institutions to cultivate are the non-DAF funders.
Left out of every figure on this page: $295k from one payer (the same organization on both sides, largest Credit Builders Alliance Inc). These are real filings, and they are not money CREDIT BUILDERS ALLIANCE INC raised.
From the IRS filings of CREDIT BUILDERS ALLIANCE INC’s funders (the co-funder graph). Association, not causation. Trends are read to FY2023, the last fiscal year that has finished arriving. FY2024–FY2026 are still being filed and are shown unshaded; they do not move any figure on this page.
How concentrated its funding is
CREDIT BUILDERS ALLIANCE INC has a broad base — no single funder exceeds 24% of grant income, and it takes 3 funders to reach half.
the vertical line marks half of all grant income — 3 funders to its left
33% of the income these shares are computed over arrives through pass-through sponsors or from payers whose filings do not say what kind of payment it is. Concentration is still measured over all of it, because the money is real; what it does not support is a claim about how many institutions have chosen to fund CREDIT BUILDERS ALLIANCE INC.
Largest funder’s share by year: 2017 67% · 2018 100% · 2019 70% · 2020 70% · 2021 42% · 2022 36% · 2023 66% — broadly stable.
“Effective funders” = inverse Herfindahl index (1 / Σ shareᵢ²) — the number of equal-sized funders that would give the same concentration. Trends are read to FY2023, the last fiscal year that has finished arriving. FY2024–FY2026 are still being filed and are shown unshaded; they do not move any figure on this page.
How long its funders stay
29% of CREDIT BUILDERS ALLIANCE INC's funders are still giving 3 years after their first grant; 60% give in more than one year at all.
Share of funders still giving k years after their first recorded grant, pooled across every acquisition cohort. A funder counts as retained in a year only if it made a grant that year. Measured to FY2023, the last fiscal year that has finished arriving — a funder cannot be counted as lapsed in a year most filers have not reached.
Where its funders are
CREDIT BUILDERS ALLIANCE INC draws 100% of its grant income from funders outside Washington, D.C., across 9 states in all.
In-state vs out-of-state, by year
Funder states come from each funder’s own filing. $2.6M arriving through sponsors registered in 1 state is excluded from the map and the split above: a sponsor holds money on a donor’s behalf, so its registered address would place those dollars somewhere no donor need ever have been. Trends are read to FY2023, the last fiscal year that has finished arriving. FY2024–FY2026 are still being filed and are shown unshaded; they do not move any figure on this page.
Against its field
CREDIT BUILDERS ALLIANCE INC holds deeper cash reserves than three-quarters of the 864 membership benefit nonprofits its size.
this organization peer median middle 50% of peers· 864 membership benefit nonprofits $1M–$10M, FY2024
Government funding CREDIT BUILDERS ALLIANCE INC receives
Grants and contracts to this organization from federal (USASpending) and state checkbooks, reconciled to its EIN. $2.0M on record — $2.0M federal, $16k state.
- Small Business Administration$2.0M
- DISTRIBUTION TO INDIVIDUALS$9k
- PROFESSIONAL SERVICES NON-IT$7k
Federal grants vs contracts are distinguished; state line items keep their reported category. Matched by name + geography (the BMF), so coverage is partial and precision-first.
Organizations like CREDIT BUILDERS ALLIANCE INC
Organizations whose mission and program text most resemble this one, by semantic similarity over every organization in the US filings — the closest peers, and often the clearest route to shared or prospective funders.
In Washington, D.C.
Nationally
Read directly from this organization’s own Form 990, as neutral context.
Where the money goes
90% of spending goes to programs.
Governance
Public support
98%
Share of support from the public (Schedule A) — the basis for its public-charity status.
Footprint & structure
Files a return copy in 1 state
Part of a family of 1 related entity
- Cba Fund · exempt
Screen this organization
A dated, signed PDF of the compliance screen for CREDIT BUILDERS ALLIANCE INC: IRS status (Business Master File, Publication 78, auto-revocation), the OFAC sanctions lists, the Internal Revenue Bulletin, and California registration, with the Rev. Proc. 2018-32 §8.01 reliance elements stated element by element. Generated from the current files at the moment you download it.
Screens are triage, not determinations; a source that cannot be read reports not screened, never clear. Screen this nonprofit · How the screen works · on the API as GET /api/screening/{ein}?format=pdf
Questions and answers
- Who funds CREDIT BUILDERS ALLIANCE INC?
- CREDIT BUILDERS ALLIANCE INC (Washington, D.C.) receives grants from 15 organizations whose IRS filings report $8,351,626 to it, the largest being CITI FOUNDATION ($2,000,000). 9 of them have funded it in more than one year.
- How many funders does CREDIT BUILDERS ALLIANCE INC have?
- IRS filings report 15 organizations giving $8,351,626 in grants to CREDIT BUILDERS ALLIANCE INC, 9 of which have funded it in more than one year.
- Who is the largest funder of CREDIT BUILDERS ALLIANCE INC?
- CITI FOUNDATION is the largest funder on record, with $2,000,000 in grants. The full list of funders is on this page.
- How can an organization like CREDIT BUILDERS ALLIANCE INC find more funders?
- Start with the funders already giving here, then look at the foundations that back similar organizations in Washington, D.C.. The funding by cause and by state pages list the largest funders for a given area and how to approach them.
These figures are read directly from IRS Form 990 / 990-PF e-file XML: this organization’s own return for FY2024 (financials across 2017–2024), and the filings of 15 funders that report grants to it. “On record” means captured in the filings we have parsed — a funder that does not e-file, or whose grant detail is not itemized, will not appear. Filings run roughly 12–24 months behind. Trends on this page end at FY2023, the last fiscal year that has finished arriving; later years are shown and marked, and move no figure. Data on this page was exported October 14, 2026. What this page cannot tell you · view filing