Texas · Nonprofit
Credit Coalition Inc
Credit Coalition Inc (Texas) receives grants from 7 organizations whose IRS filings report $110,164 to it, the largest being Wells Fargo Foundation ($35,000). 4 of them have funded it in more than one year.
- Revenue FY2025
- $245k
- Funders on record
- 7
- Grants received
- $110k
- Net assets
- $394k
What Credit Coalition Inc does
Mission
The credit coalition's purpose is to empower its clients through financial and homebuyer counseling and education, to be able to make informed, reasonable and responsible decisions in regard to their financial and specific housing goals.
As stated on its FY2025 Form 990.
Program
fundamentals of good credit program: provides training in understanding and developing credit. This program is recognized as an approved homebuyer counseling/education course for many houston area down payment assistance providers and meets the financial education requirement for houston area individual development account (ida) saving programs. completion of this program results in the client earning the credit coalition's financial and homebuyer education certificate. upon graduation from the series, each client will have an understanding of his/her own financial wellness and overall credit health. Clients are empowered to change their lives with financial knowledge to reach their specific financial and housing goals.The credit coalition is a hud-approved housing counseling agency and a member of the reverse mortgage education counseling fha roaster. the houston area ida program and many down payment assistance programs throughout the greater houston area accept the completion of the "fundamentals of good credit" as meeting the financial/homebuyer education requirement for their programs.in the fiscal year ended 11/30/2025, 678 clients were served between the different programs…
$138,969 spent100% of program spending
The program described on its FY2024 Form 990. Program spending in total: $138,969.
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 2024 to 2025, from $307k to $394k (+28%).
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: 2024 11% · 2025 9%. Grants only. Government contracts and fees sit inside program revenue.
98% of Credit Coalition Inc’s revenue is contributions — more donation-reliant than the typical peer (91% for the typical peer).
Surplus & reserves
Operating surplus or deficit each year, and months of liquidity in hand. 3 of the last 9 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
Sherrie Young
Executive Director
As listed on its FY2025 Form 990.
Who funds it, year by year
2020 → 2023: the base narrowed from 3 funders to 2 funders, grant income rose $16k → $17k.
1 of 7 of your funders are donor-advised or pass-through sponsors (tagged DAF) — 9% of grant dollars received. That money is really individual donors directing a sponsor; the institutions to cultivate are the non-DAF funders.
From the IRS filings of Credit Coalition 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 Coalition Inc leans on a few funders — its largest provides 32% of grant income and the top three 71%; half comes from just 2 funders.
the vertical line marks half of all grant income — 2 funders to its left
39% 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 Coalition Inc.
Largest funder’s share by year: 2020 63% · 2021 64% · 2022 85% · 2023 54% — diversifying over time.
“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.
Where its funders are
Credit Coalition Inc draws 100% of its grant income from funders outside Texas, across 6 states in all.
In-state vs out-of-state, by year
Funder states come from each funder’s own filing. $10k 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 Coalition Inc runs a healthier operating margin than three-quarters of the 13,062 human services nonprofits its size.
this organization peer median middle 50% of peers· 13,062 human services nonprofits $100k–$1M, FY2025
Organizations like Credit Coalition 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 Texas
Nationally
Read directly from this organization’s own Form 990, as neutral context.
Where the money goes
88% of spending goes to programs.
Governance
Public support
99%
Share of support from the public (Schedule A) — the basis for its public-charity status.
Screen this organization
A dated, signed PDF of the compliance screen for Credit Coalition 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 Coalition Inc?
- Credit Coalition Inc (Texas) receives grants from 7 organizations whose IRS filings report $110,164 to it, the largest being Wells Fargo Foundation ($35,000). 4 of them have funded it in more than one year.
- How many funders does Credit Coalition Inc have?
- IRS filings report 7 organizations giving $110,164 in grants to Credit Coalition Inc, 4 of which have funded it in more than one year.
- Who is the largest funder of Credit Coalition Inc?
- Wells Fargo Foundation is the largest funder on record, with $35,000 in grants. The full list of funders is on this page.
- How can an organization like Credit Coalition Inc find more funders?
- Start with the funders already giving here, then look at the foundations that back similar organizations in Texas. The funding by cause and by state pages list the largest funders for a given area and how to approach them.
Play a game about who funds Credit Coalition →
These figures are read directly from IRS Form 990 / 990-PF e-file XML: this organization’s own return for FY2025 (financials across 2017–2025), and the filings of 7 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