SCHEDULE 13G/A 0000702007 XXXXXXXX LIVE 1 Common Stock, $0.01 par value per share 12/31/2024 0000315958 CREDITRISKMONITOR COM INC 225426105 704 EXECUTIVE BOULEVARD SUITE A VALLEY COTTAGE NY 10989 Rule 13d-1(b) CALDWELL SUTTER CAPITAL, INC. CA 0.00 0.00 0.00 533270.00 533270.00 4.9 BD IA Represents the aggregate number of shares of common stock, par value $0.01 (Common Stock), of the Issuer (the Shares), held by certain advisory clients of Caldwell Sutter Capital, Inc. (Caldwell Sutter), a broker dealer and investment advisor registered under Section 203 of the Investment Advisors Act of 1940. As an investment advisor, Caldwell Sutter has limited power of attorney to execute transactions on behalf its clients, and may be deemed to have dispositive power and be the beneficial owner of the Shares reported herein. No advisor of Caldwell Sutter has voting authority over such Shares, other than Shares any individual advisor may hold in their own accounts. Based on 10,772,401 shares of Common Stock outstanding as of November 14, 2024, as reported in the Issuer's Quarterly Report on Form 10-Q filed November 14, 2024. Joseph F. Helmer CA 24064.00 0.00 14400.00 533270.00 547670.00 5.1 IA IN Represents (i) 14,400 Shares held by Joseph F. Helmer, of which Mr. Helmer possesses sole voting and dispositive power, and (ii) 9,664 Shares held by the John & Jinx Helmer Revocable Trust, dated January 4, 2005 (the Trust Shares), of which Helmer is trustee. Mr. Helmer has sole voting power over the Trust Shares and shared dispositive power over the Trust Shares, pursuant to an advisory contract granting investment discretion of the Trust Shares to Caldwell Sutter. Represents (i) the Trust Shares and (ii) 523,606 shares held in client accounts managed by Caldwell Sutter. As President of Cadwell Sutter and an investment advisor to Caldwell Sutter, Mr. Helmer may be deemed to possess investment power and to be the beneficial owner over the shares reported herein. Based on 10,772,401 shares of Common Stock outstanding as of November 14, 2024, as reported in the Issuer's Quarterly Report on Form 10-Q filed November 14, 2024. Joseph Raymond CA 18219.00 0.00 18219.00 533270.00 541825.00 5.0 IA IN Represents shares held in client accounts managed by Caldwell Sutter. As an investment advisor to Caldwell Sutter, Mr. Raymond may be deemed to possess investment power and to be the beneficial owner over the shares reported herein. Based on 10,772,401 shares of Common Stock outstanding as of November 14, 2024, as reported in the Issuer's Quarterly Report on Form 10-Q filed November 14, 2024. CREDITRISKMONITOR COM INC 704 EXECUTIVE BOULEVARD, SUITE A, VALLEY COTTAGE, NEW YORK, 10989. This Schedule 13G is being filed by: (1) Caldwell Sutter Capital, Inc., a California corporation, Broker Dealer and registered Investment Advisor (?Caldwell Sutter?); (2) Joseph F. Helmer, a United States Citizen; and (3) Joseph Raymond, a United States Citizen (together with Caldwell Sutter and Joseph F. Helmer, the ?Reporting Persons?) The address of the principal business office of the Reporting Persons is 30 Liberty Ship Way #3225, Sausalito, CA 94965-3324 See Item 2(a). N BD IA Caldwell Sutter, a broker dealer and investment advisor registered under Section 203 of the Investment Advisors Act of 1940, serves as the investment manager for a number of managed accounts with respect to which it has dispositive authority over the shares held therein, and therefore may be deemed to be the beneficial owner of the shares held in such client accounts. As President of, and an investment manager to, Caldwell Sutter, and in addition to shares held directly, Joseph F. Helmer may be deemed to be the beneficial owner of the shares held by clients in accounts managed by Caldwell Sutter. As an investment manager to Caldwell Sutter, and in addition to shares held directly, Joseph Raymond may be deemed to be the beneficial owner of the shares held by clients in accounts managed by Caldwell Sutter. Caldwell Sutter Capital, Inc. Amount beneficially owned: 533,270 Joseph F. Helmer Amount beneficially owned: 547,670 Joseph Raymond Amount beneficially owned: 541,825 The percentage of class is based on 10,772,401 shares of Common Stock outstanding as of November 14, 2024, as reported in the Issuer's Quarterly Report on Form 10-Q filed November 14, 2024. Caldwell Sutter Capital, Inc. Percent of class: 5.0% Joseph F. Helmer Percent of class: 5.1% Joseph Raymond Percent of class: 5.0% Caldwell Sutter Capital, Inc. 0 Joseph F. Helmer 24,064 Joseph Raymond 18,219 Caldwell Sutter Capital, Inc. 0 Joseph F. Helmer 0 Joseph Raymond 0 Caldwell Sutter Capital, Inc. 0 Joseph F. Helmer 14,400 Joseph Raymond 18,219 Caldwell Sutter Capital, Inc. 533,270 Joseph F. Helmer 533,270 Joseph Raymond 541,825 Y Y Y Y N By signing below I certify that, to the best of my knowledge and belief, the securities referred to above were acquired and are held in the ordinary course of business and were not acquired and are not held for the purpose of or with the effect of changing or influencing the control of the issuer of the securities and were not acquired and are not held in connection with or as a participant in any transaction having that purpose or effect, other than activities solely in connection with a nomination under § 240.14a-11. CALDWELL SUTTER CAPITAL, INC. /s/ Christoper W. Anderson 02/11/2025 Joseph F. Helmer /s/ Joseph F. Helmer 02/11/2025 Joseph Raymond /s/Joseph Raymond 02/11/2025