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||Notes|2021|2020|
|---|---|---|---|
|INCONIING RESOURCES||||
|Fees IDonations<br>IGrants||101,561|226,677|
|Bank Interest|||362|
|TOTAL INCOINING RESOURCES||101,565|227,039|
|RESQURCES EXPENDED||||
|Charitable<br>activities||122,983|239,978|
|Governance cost||3,145|5,902|
|TOTAL RESOURCES EXPENDED||126,128|245,880|
|NET RESOURCES (EXPENDED) IINCOINING||(24,563)|(18„841)|
|Funds carried forward at 30June||30,471|55,D34|





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||Notes||2021|2020|
|---|---|---|---|---|
|FIXEDASSETS|||||
|Tangible fixed assets|||||
|CURRENT ASSETS|||||
|Debtors|||9,213|2,897|
|Cash at Bank|||33,943|132,893|
|TOTAL CURRENT ASSET'S|||43,156|135,790|
|CREDITORS: falling due within one year||10|(12,685)|(80,?56)|
|NET CURRENT ASSETS|||30,471|55,034|
|TOTAL ASSETS|||30,471|55,034|
|FUNDS|||||
|Total funds|||30,471|55,034|
|Including<br>restricted grants||||17,936|





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||||2021|2020|
|---|---|---|---|---|
|Restricted Grants (designated|funding|for research)|18,436|25,598|
|Other Grants (unrestricted)|||2,000|1,000|
|Fees, Courses and Advisory|||76,125|185,079|
|Donations,<br>Sponsorship<br>and|Gift Aid||5,000|15,000|
|Total Income (net ofBank Interest)|||101,561|226,677|





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|RESOURCES EXPENDED|||
|---|---|---|
||2021|2020|
|Research, Advice and Reporting|122,983|239,978|
|Legal|1,291|1,231|
|Establishment|35|1,339|
|Administration|1,819|3,332|
|Total Resources expended|126,128|245,880|



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||<br>activities<br>including<br>manag|e|ment|functions<br>|amounted<br>to 224,873(2|020:f28,184).||
|---|---|---|---|---|---|---|---|
|||||||2021|2020|
||CEO (resigned<br>March 2021)|||||50,978|77,179|
||Certification<br>Director (resigned|||February 2020)|||50,673|
||Certification<br>8 Projects Manager (resigned||||November 2020)|15,871|13,543|
||Advisory<br>8 Training<br>Consultancy||||||11,773|
||Contractors<br>Undertaking|Activities||||24,873|28,184|
||Total|||||91,722|181,352|
|9|DEBTORS|||||||
|||||||2021|2020|
||Mark assessments<br>completed|||with fees not yet paid||625|2,500|
||Advisory<br>work completed||with|fees not yet|paid|||
||Amounts<br>claimed for fees|||||||
||VAT reclaimable|||||||
||Other Debtors|||||8,588|397|
||Total Debtors|||||9,213|2,897|
|10|CREDITORS|||||||
|||||||2021|2020|
||Fees received<br>in advance|||||12,250|41,375|
||Certification fees mark not||complete|||||
||Prepaid BCTRestricted|Grants|||||17,936|
||VAT payable|||||183|9,780|
||Other Trade Creditors|||||252|11,665|
||Total Creditors|||||12,685|80,756|





||||ASSESSMENT|ASSESSMENT||||
|---|---|---|---|---|---|---|---|
|ORGANISATION|||TYPE||PRODUCT NAME|AWARD|AWARD HELD BETWEEN:|
|1"Alliance<br>CU|||Personal|Loan|Personal<br>Loan|5Star|1stSeptember 2015to 31stOctober 2021|
|1"Class CU|||Personal|Loan|Personal<br>Loan|5Star|2nd April 2016to 31stOctober 2021|
|Advance<br>CU|||Personal|Loan|Personal<br>Loan|5Star|1stJune 2019to 31stOctober 2021|
|Barelays|||Current Account<br>with OD||Barclays Bank Account|3Star|1st May 2015to 30th April 2020|
|Barelays|||Personal|Loan|Barclayloan|4Star|1stAugust 2015to 31stJuly 2020|
|Barelays|||Regular Savings||Everyday Saver|4Star|1stJune 2017to 31st May 2020|
|Barelays|||Regular Savings||Cash ISA|4Star|1stJune 2017to 31st May 2020|
|Biuesg Twos CU|||Personal|Loan|Personal<br>Loan|5star|1st November 2017to 31stOctober 2021|
|Bristol Cu|||Personal|Loan|Personal<br>Loan|5star|1st November 2017to 31stOctober 2021|
|Calderdale<br>CU|||Personal|Loan|Personal<br>Loan|5Star|1stJuly 2019to 31stOctober 2021|
|Capital One|||Credit Card||Classic Card|4Star|1stOctober 2015to 30th September<br>2021|
|Cardiff S.Vale|CU||Personal|Loan|Personal<br>Loan|5Star|1stJune 2019to 31stOctober 2021|
|Cen Liverpool|CU||Personal|Loan|Helping<br>Hand Loan|5Star|1stJune 2015to 31stOctober 2021|
|Cen Liverpool|CU||Personal|Loan|Shares Based Loan|5Star|1stJune 2015to 31stOctober 2021|
|Clockwise<br>CU|||Persona|I Loan|Persona<br>I Loan|5Star|1stAugust 2018to 31stOctober 2021|
|Commsave<br>CU|||Personal|Loan|Personal<br>Loan|5star|1st November 2017to 31stOctober 2021|
|Croydon<br>CU|||Personal|Loan|Personal<br>Loan|5Star|1stJune 2019to 31stOctober 2021|
|Enterprise<br>CU|||Personal|Loan|Loyalty Loan|5Star|1stJune 2015to31stOctober 2021|
|First Rate CU|||Personal|Loan|Personal<br>Loan|5Star|1stJune 2019to 31stOctober 2021|
|Hoot CU|||Personal|Loan|Premier Loan|5Star|2nd April 2016to 31stOctober 2021|
|Hoot CU|||Personal|Loan|Budget Loan|5Star|2nd April 2016to 31stOctober 2021|
|Hoot CU|||Personal|Loan|Handy<br>Loan|5Star|2nd April 2016to 31stOctober 2021|
|Hull 5East Yorkshire|||Personal|Loan|Credit Union Loan|5Star|1stJune 2017to31stOctober 2021|
|CU||||||||
|Just CU|||Personal|Loan|Member<br>Loan|5Star|1stJune 2017to 31stOctober 2021|
|Just CU|||Personal|Loan|Community<br>Loan|5Star|1stJune 2017to31stOctober 2021|
|Lanarkshire<br>CU|||Personal|Loan|Personal<br>Loan|5Star|1stJune 2019to 31stOctober 2021|
|Lewisham<br>Plus CU|||Personal|Loan|Personal<br>Loan|5Star|1stOctober 2020to 31stOctober 2021|
|Lewisham<br>Plus CU|||Regular|Savings|SAYB(Save As You<br>Borrow)|5Star|1stOctober 2020to 31stOctober 2021|
|Lloyds / HBOS|||Current <br>with OD|Account|Classic Accountwith<br>Control|4Star|1stOctober 2012to 31stDecember 2016|
|Lloyds / HBOS|||Personal|Loan|Flexible Loan|5Star|1stSeptember 2015to 31stAugust 2017|
|Lloyds / HBOS|||Personal|Loan|Clarity Loan|5Star|1stSeptember 2015to 31stAugust 2017|
|London Cap CU|||Personal|Loan|Saver Loan|5Star|1stJune 2015to 31stOctober 2021|
|London Mutual||CU|Persona|I Loan|Plus Loan|5Star|1stJune 2017to 31stOctober 2021|
|Manchester<br>CU|||Personal|Loan|Personal<br>Loan|5Star|1stOctober 2019to 31stOctober 2021|
|NatWest<br>/ RBS|||Credit Card||Clear Rate Platinum|3Star|1st May 2015to 30th April 2020|
|NatWest / RBS|||Credit Card||Reward|3Star|1st May 2015to 30th April 2020|





|NatWest / RBS|Regular|Savings|Cash ISA with Savings<br>Goal|5Star|1stJune 2011to 31stJanuary 2021|
|---|---|---|---|---|---|
|NatWest<br>/ RBS|Regular|Savings|Instant Saver with<br>Savings Goals|5Star|1stJune 2011to 31stJanuary 2021|
|NHS CU|Personal|Loan|Personal<br>Loan|5Star|2nd April 2016to 31st March 2021|
|NHS CU|Regular|Savings|Regular Savings Account|3Star|1stOctober 2020to 30th September<br>2021|
|Penny Post CU|Personal|Loan|Personal<br>Loan|5Star|1stJune 2019to31stOctober 2021|
|Pioneer CU|Personal|Loan|Ethical Loans|5Star|1stOctober 2020to 30th September<br>2021|
|Plane Saver CU|Personal|Loan|Personal<br>Loan|5Star|1stJune 2017to 31stOctober 2021|
|Police CU|Personal|Loan|Fixed Term Loan|5star|1st November 2017to 31stOctober 2021|
|Riverside<br>CU|Persona|I Loan|Personal<br>Loan|5Star|1stJune 2019to 31stOctober 2021|
|Saffron Building<br>Society|Regular|Savings|Goat Saver|3Star|1stJune 2011to 30th November 2017|
|South Manchester|Personal|Loan|Personal<br>Loan|5Star|1stOctober 2019to 31stOctober 2021|
|CU||||||
|Think Money|Current <br>without|Account<br>OD|Personal Account|4Star|1stJune 2011to 31stOctober 2021|
|Transave<br>CU|Personal|Loan|Personal<br>Loan|5Star|1stAugust 2018to 31stOctober 2021|





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## 

||Notes|2021|2020|
|---|---|---|---|
|INCONIING RESOURCES||||
|Fees IDonations<br>IGrants||101,561|226,677|
|Bank Interest|||362|
|TOTAL INCOINING RESOURCES||101,565|227,039|
|RESOURCES EXPENDED||||
|Charitable<br>activities||122,983|239,978|
|Governance cost||3,145|5,902|
|TOTAL RESOURCES EXPENDED||126,128|245,880|
|NET RESOURCES (EXPENDED) IINCOINING||(24,563)|(18„841)|
|Funds carried forward at 30June||30,471|55,034|





## 

## 

||Notes||2021|2020|
|---|---|---|---|---|
|FIXEDASSETS|||||
|Tangible fixed assets|||||
|CURRENT ASSETS|||||
|Debtors|||9,213|2,897|
|Cash at Bank|||33,943|132,893|
|TOTAL CURRENT ASSET'S|||43,156|135,790|
|CREDITORS: falling due within one year||10|(12,685)|(80,?56)|
|NET CURRENT ASSETS|||30,471|55,034|
|TOTAL ASSETS|||30,471|55,034|
|FUNDS|||||
|Total funds|||30,471|55,034|
|Including<br>restricted grants||||17,936|





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## 

## 

## 

## 

## 

## 

## 


||||2021|2020|
|---|---|---|---|---|
|Restricted Grants (designated|funding|for research)|18,436|25,598|
|Other Grants (unrestricted)|||2,000|1,000|
|Fees, Courses and Advisory|||76,125|185,079|
|Donations,<br>Sponsorship<br>and|Gift Aid||5,000|15,000|
|Total Income (net ofBank Interest)|||101,561|226,677|





## 

## 

## 

|RESOURCES EXPENDED|||
|---|---|---|
||2021|2020|
|Research, Advice and Reporting|122,983|239,978|
|Legal|1,291|1,231|
|Establishment|35|1,339|
|Administration|1,819|3,332|
|Total Resources expended|126,128|245,880|



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## 

## 

## 



## 

## 

||<br>activities<br>including<br>manag|e|ment|functions<br>|amounted<br>to 224,873(2|020:f28,184).||
|---|---|---|---|---|---|---|---|
|||||||2021|2020|
||CEO (resigned<br>March 2021)|||||50,978|77,179|
||Certification<br>Director (resigned|||February 2020)|||50,673|
||Certification<br>8 Projects Manager (resigned||||November 2020)|15,871|13,543|
||Advisory<br>8 Training<br>Consultancy||||||11,773|
||Contractors<br>Undertaking|Activities||||24,873|28,184|
||Total|||||91,722|181,352|
|9|DEBTORS|||||||
|||||||2021|2020|
||Mark assessments<br>completed|||with fees not yet paid||625|2,500|
||Advisory<br>work completed||with|fees not yet|paid|||
||Amounts<br>claimed for fees|||||||
||VAT reclaimable|||||||
||Other Debtors|||||8,588|397|
||Total Debtors|||||9,213|2,897|
|10|CREDITORS|||||||
|||||||2021|2020|
||Fees received<br>in advance|||||12,250|41,375|
||Certification fees mark not||complete|||||
||Prepaid BCTRestricted|Grants|||||17,936|
||VAT payable|||||183|9,780|
||Other Trade Creditors|||||252|11,665|
||Total Creditors|||||12,685|80,756|





||||ASSESSMENT|ASSESSMENT||||
|---|---|---|---|---|---|---|---|
|ORGANISATION|||TYPE||PRODUCT NAME|AWARD|AWARD HELD BETWEEN:|
|1"Alliance<br>CU|||Personal|Loan|Personal<br>Loan|5Star|1stSeptember 2015to 31stOctober 2021|
|1"Class CU|||Personal|Loan|Personal<br>Loan|5Star|2nd April 2016to 31stOctober 2021|
|Advance<br>CU|||Personal|Loan|Personal<br>Loan|5Star|1stJune 2019to 31stOctober 2021|
|Barelays|||Current Account<br>with OD||Barclays Bank Account|3Star|1st May 2015to 30th April 2020|
|Barelays|||Personal|Loan|Barclayloan|4Star|1stAugust 2015to 31stJuly 2020|
|Barelays|||Regular Savings||Everyday Saver|4Star|1stJune 2017to 31st May 2020|
|Barelays|||Regular Savings||Cash ISA|4Star|1stJune 2017to 31st May 2020|
|Biuesg Twos CU|||Personal|Loan|Personal<br>Loan|5star|1st November 2017to 31stOctober 2021|
|Bristol Cu|||Personal|Loan|Personal<br>Loan|5star|1st November 2017to 31stOctober 2021|
|Calderdale<br>CU|||Personal|Loan|Personal<br>Loan|5Star|1stJuly 2019to 31stOctober 2021|
|Capital One|||Credit Card||Classic Card|4Star|1stOctober 2015to 30th September<br>2021|
|Cardiff S.Vale|CU||Personal|Loan|Personal<br>Loan|5Star|1stJune 2019to 31stOctober 2021|
|Cen Liverpool|CU||Personal|Loan|Helping<br>Hand Loan|5Star|1stJune 2015to 31stOctober 2021|
|Cen Liverpool|CU||Personal|Loan|Shares Based Loan|5Star|1stJune 2015to 31stOctober 2021|
|Clockwise<br>CU|||Personal|Loan|Persona<br>I Loan|5Star|1stAugust 2018to 31stOctober 2021|
|Commsave<br>CU|||Personal|Loan|Personal<br>Loan|5star|1st November 2017to 31stOctober 2021|
|Croydon<br>CU|||Personal|Loan|Personal<br>Loan|5Star|1stJune 2019to 31stOctober 2021|
|Enterprise<br>CU|||Personal|Loan|Loyalty Loan|5Star|1stJune 2015to31stOctober 2021|
|First Rate CU|||Personal|Loan|Personal<br>Loan|5Star|1stJune 2019to 31stOctober 2021|
|Hoot CU|||Personal|Loan|Premier Loan|5Star|2nd April 2016to 31stOctober 2021|
|Hoot CU|||Personal|Loan|Budget Loan|5Star|2nd April 2016to 31stOctober 2021|
|Hoot CU|||Personal|Loan|Handy<br>Loan|5Star|2nd April 2016to 31stOctober 2021|
|Mull 5East Yorkshire|||Personal|Loan|Credit Union Loan|5Star|1stJune 2017to31stOctober 2021|
|CU||||||||
|Just CU|||Personal|Loan|Member<br>Loan|5Star|1stJune 2017to 31stOctober 2021|
|Just CU|||Personal|Loan|Community<br>Loan|5Star|1stJune 2017to31stOctober 2021|
|Lanarkshire<br>CU|||Personal|Loan|Personal<br>Loan|5Star|1stJune 2019to 31stOctober 2021|
|Lewisham<br>Plus CU|||Personal|Loan|Personal<br>Loan|5Star|1stOctober 2020to 31stOctober 2021|
|Lewisham<br>Plus CU|||Regular|Savings|SAYB(Save As You<br>Borrow)|5Star|1stOctober 2020to 31stOctober 2021|
|Lloyds / HBOS|||Current <br>with OD|Account|Classic Accountwith<br>Control|4Star|1stOctober 2012to 31stDecember 2016|
|Lloyds / HBOS|||Personal|Loan|Flexible Loan|5Star|1stSeptember 2015to 31stAugust 2017|
|Lloyds / HBOS|||Personal|Loan|Clarity Loan|5Star|1stSeptember 2015to 31stAugust 2017|
|London Cap CU|||Personal|Loan|Saver Loan|5Star|1stJune 2015to 31stOctober 2021|
|London Mutual||CU|Persona|I Loan|Plus Loan|5Star|1stJune 2017to 31stOctober 2021|
|Manchester<br>CU|||Personal|Loan|Personal<br>Loan|5Star|1stOctober 2019to 31stOctober 2021|
|NatWest<br>/ RBS|||Credit Card||Clear Rate Platinum|3Star|1st May 2015to 30th April 2020|
|NatWest / RBS|||Credit Card||Reward|3Star|1st May 2015to 30th April 2020|





|NatWest / RBS|Regular|Savings|Cash ISA with Savings<br>Goal|5Star|1stJune 2011to 31stJanuary 2021|
|---|---|---|---|---|---|
|NatWest<br>/ RBS|Regular|Savings|Instant Saver with<br>Savings Goals|5Star|1stJune 2011to 31stJanuary 2021|
|NHS CU|Personal|Loan|Personal<br>Loan|5Star|2nd April 2016to 31st March 2021|
|NHS CU|Regular|Savings|Regular Savings Account|3Star|1stOctober 2020to 30th September<br>2021|
|Penny Post CU|Personal|Loan|Personal<br>Loan|5Star|1stJune 2019to31stOctober 2021|
|Pioneer CU|Personal|Loan|Ethical Loans|5Star|1stOctober 2020to 30th September<br>2021|
|Plane Saver CU|Personal|Loan|Personal<br>Loan|5Star|1stJune 2017to 31stOctober 2021|
|Police CU|Personal|Loan|Fixed Term Loan|5star|1st November 2017to 31stOctober 2021|
|Riverside<br>CU|Personal|Loan|Personal<br>Loan|5Star|1stJune 2019to 31stOctober 2021|
|Saffron Building<br>Society|Regular|Savings|Goat Saver|3Star|1stJune 2011to 30th November 2017|
|South Manchester|Personal|Loan|Personal<br>Loan|5Star|1stOctober 2019to 31stOctober 2021|
|CU||||||
|Think Money|Current <br>without|Account<br>OD|Personal Account|4Star|1stJune 2011to 31stOctober 2021|
|Transave<br>CU|Personal|Loan|Personal<br>Loan|5Star|1stAugust 2018to 31stOctober 2021|





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