THE CREDIT ROUNDTABLE ASSOCIATION Charity Report

Public IRS 990 nonprofit record

THE CREDIT ROUNDTABLE ASSOCIATION

EIN 83-4087373 · Chambers of Commerce & Business Leagues (S41)

What they do

The Credit Roundtable Association (CRT) is A Membership Organization Committed to Enhancing Bondholder Protections Through Education, Outreach and Advocacy. CRT Shall Be Devoted to The Improvement of General Business Conditions In The Institutional Bond Market Including, Among Others:1)educating Investors, Issuers, Underwriters, Regulators, and Other Market Participants to The Value of Bondholder Covenant Protections and Advocating for The Inclusion, Standardization, and Preservation of Covenant Protections In Bond Indentures,2)identifying Enhancements To, Advocating for The Implementation of Improvements to The New Issue Bond Underwriting and Distribution Process,3)implementing Enhancements to The Bond Tender/exchange and Consent Process,4)promulgating Improvements In Disclosure and Transparency,5)pursuing Any Lawful Act or Activity And, Exercising Any Powers Afforded to Nonprofit, Nonstock Corporations In The State of DE, In Furtherance of Its Above-stated Mission.

Before you give

Should I give to this charity?

Easy charity check

Look at where the money went

Of every $100 spent, about $88.80 was reported for mission work. Use the spending picture below and ask what results that work produced.

Plain answer: A tax form cannot prove that a charity is doing good. It can show how the charity says it spent its money—and point out questions you should ask.

Basic facts we verified

IRS warning checkNo IRS revocation warning appears in this data.

Money report from 2025The charity has a recent tax report to read.

They explain their jobThe charity tells us what it is trying to do.

They name their leaders11 people are listed in the latest report.

You can reach themThey list contact information, so you can ask questions.

Money made simple

90.16%of revenue went to mission work88.8% of expenses · Program services

$101.56spent for every $100 of revenueSpending was higher than revenue this year.

11.39%of revenue went to management and office costs11.2% of expenses

$2.43in assets for every $1 spent this yearSome assets cannot be spent right away.

Ask these three easy questions

Who did you help? Ask for a recent story or report that shows real results.
What will my money do? Ask exactly what your gift will pay for.
Is this really the charity? Give only through its official website or confirmed phone number.

Worth asking: Expenses exceeded revenue by $3,453 this year. Ask whether that was planned or caused by a one-time event.

Bottom line: Do not decide from a name, mission statement, or tax status alone. Look at where the money went, then ask what changed, who was helped, and what your gift will do. YouCanGiveBack does not endorse or grade organizations.

Money

Financial picture

Tax year 2025

A plain-language look at the latest Form 990 figures available. These numbers help you ask better questions; they do not, by themselves, rate whether a charity is good or bad.

$100revenue

How each $100 of revenue was used

The large number compares each expense with revenue. The smaller number shows its share of total expenses.

Total reported revenue$221,524

Mission workProgram services$199,73690.16% of revenue88.8% of expenses

ManagementOffice and general costs$25,24111.39% of revenue11.2% of expenses

FundraisingAsking for donations0.00% of revenue0.0% of expenses

Total expenses$224,977101.56% of revenue

Expenses were greater than revenue, so the colored ring fills the available $100 and the total above 100% is shown below.

Has the pattern changed?

Colored bars = expense mix: how each year’s expenses were divided. Total expenses vs. revenue shows whether the charity spent less or more than it received. The current filing is first.

YearExpense mixDetails

2025CurrentExpense mix: 88.8% mission · 11.2% management · 0.0% fundraisingTotal expenses: 101.56% of revenue

2024Expense mix: 92.8% mission · 7.2% management · 0.0% fundraisingTotal expenses: 87.64% of revenue

2023Expense mix: 92.0% mission · 8.0% management · 0.0% fundraisingTotal expenses: 72.83% of revenue

2022Expense mix: 91.4% mission · 8.6% management · 0.0% fundraisingTotal expenses: 61.54% of revenue

2021Expense mix: 30.7% mission · 0.0% management · 0.0% fundraisingTotal expenses: 65.51% of revenue

2020Expense mix: 58.4% mission · 0.0% management · 0.0% fundraisingTotal expenses: 61.57% of revenue

Money in and money out

Revenue$221,524

Expenses$224,977

Annual shortfall $3,453 Expenses were higher than revenue for this filing year.

Reported spending amounts

Mission work means the Form 990 category called program services. These are reported accounting categories—not an independent measurement of results.

Mission work (program services)$199,736 · 88.8% of expenses

Management and office costs$25,241 · 11.2% of expenses

See all reported dollar amounts

Revenue$221,524

Expenses$224,977

Assets$547,491

Income$221,524

Mission work (program services)$199,736

Management and general$25,241

Accounting fees$3,051

People

Leadership and board

Tax year 2025

Names, titles, time, and compensation below are reported by the organization on its Form 990.

See everyone listed on the board or leadership roster (11)

ANTHONY BREKKECO VICE-CHAIR

CHRIS GOOTKINDBOARD MEMBER

CHRIS MALFANTBOARD MEMBER

CHRISTI KUBIAKTREASURER

CHRISTOPHER COLAMARINOBOARD MEMBER

DAVID GOLDBOARD MEMBER

GABE CRUMPBOARD MEMBER

JENNIFER ROWLANDBOARD MEMBER

MARK KREMERSECRETARY

OMAR SANDERSCO VICE-CHAIR

SPENCER GODFREYBOARD MEMBER

About this charity

Recognized since: January 2020
Location: c/o TAM LLC 2490 Black Rock Tpke 31, Fairfield, CT 06825
County: Fairfield
In care of: Christi Kubiak
Primary officer: Christi Kubiak, Treasurer

How to reach them

WebsiteVisit the charity’s website Phone(914) 332-0040

Filing and classification

Latest tax year: 2025
Tax period began: January 1, 2025
Return type: 990
Tax preparer: FT KLEIGER & COMPANY
NTEE classification: Chambers of Commerce & Business Leagues (S41)
IRS tax category: Chambers of Commerce & Business Leagues