Civic Intelligence

Ajf Scholarship and Achievement Foundation Inc.

EIN 81-2919415 • 501(c)3 • Landover, MD

Pub. 78 Eligible990-N Coverage

Profile

Enhancing educational opportunities for those pursing post secondary education to include professional certifications

1889 Brightseat RoadLandover, MD 20785-4250

ajfscholarship.org

Siviq Scores

Precomputed percentiles relative to similar nonprofits. These scores are descriptive rather than judgmental.

Liabilities / Assets

92nd percentile

0.91x

Higher debt load relative to assets than 92% of similar nonprofits.

501(c)3 • <$500k nonprofits • Source year 2024

Liabilities / Revenue

89th percentile

0.31x

Higher debt load relative to revenue than 89% of similar nonprofits.

501(c)3 • <$500k nonprofits • Source year 2024

Net Margin

24th percentile

-19%

Higher net margin than 24% of similar nonprofits.

501(c)3 • <$500k nonprofits • Source year 2024

Top Officer Pay

81st percentile

$0

Higher top officer pay than 81% of similar nonprofits.

Top officer pay equals 0.0% of source-year revenue.

501(c)3 • <$500k nonprofits • Source year 2024

Asset Growth

85th percentile

46%

Faster asset growth than 85% of similar nonprofits.

501(c)3 • <$500k nonprofits • Annualized from 2023 to 2024

Revenue Growth

37th percentile

-16%

Faster revenue growth than 37% of similar nonprofits.

501(c)3 • <$500k nonprofits • Annualized from 2023 to 2024

Balance Sheet
Liabilities / Assets92nd percentile

Assets

Up

$22,028

Up $6,924 (+46%) from 2023

Liabilities

Up

$19,968

Up $19,342 (+3090%) from 2023

Net Assets

Down

$2,060

Down $12,418 (-86%) from 2023

Operations
Liabilities / Revenue89th percentileNet Margin24th percentile

Revenue

Down

$64,124

Down $11,822 (-16%) from 2023

Expenses

Down

$76,542

Down $115 (-0.2%) from 2023

Net Income

Down

-$12,418

Down $11,707 (-1647%) from 2023

Trend Graphs

Balance Sheet Trend

Asset Growth85th percentile

Grouped bars show assets, liabilities, and net assets across loaded filings.

$30K$20K$10K$0Assets 2023: $15,104Liabilities 2023: $626Net Assets 2023: $14,4782023Assets 2024: $22,028Liabilities 2024: $19,968Net Assets 2024: $2,0602024

Highlighted filing

2024

Assets$22,028
Liabilities$19,968
Net Assets$2,060
Open 2024 Filing

Operations Trend

Revenue Growth37th percentile

Revenue, expenses, and net income by year, with the latest filing highlighted.

$100K$50K$0-$50KRevenue 2023: $75,946Expenses 2023: $76,657Net Income 2023: -$7112023Revenue 2024: $64,124Expenses 2024: $76,542Net Income 2024: -$12,4182024

Highlighted filing

2024

Revenue$64,124
Expenses$76,542
Net Income-$12,418
Open 2024 Filing

Filings

Most recent year

2024 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$22,028
Liabilities
$19,968
Net assets
$2,060
Revenue
$64,124
Expenses
$76,542
Net income
-$12,418
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$22.0$20.0$2.06$64.1$76.5$12.4
2023Detailed filing. Detailed filing data is available for this year.$15.1$0.63$14.5$75.9$76.7$0.71
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
Nov 6, 2025
Return Version
2024v5.2
Gross Receipts
$64,124
Mission and Program Overview

Mission

Enhancing educational opportunities for those pursing post secondary education to include professional certifications

Balance Sheet Detail
LineBeginningEndChange
Assets
Cash and Non-Interest-Bearing Accounts$15,104$22,028▲ $6,924
Total Assets$15,104$22,028▲ $6,924
Liabilities
Accounts Payable and Accrued Expenses$626$19,968▲ $19,342
Total Liabilities$626$19,968▲ $19,342
Net Assets / Fund Balance
Net Assets Without Donor Restrictions$14,478$2,060▼ $12,418
Total Net Assets Fund Balance$14,478$2,060▼ $12,418
Total Liabilities and Net Assets / Fund Balance$15,104$22,028▲ $6,924
Compensation and Service Providers
Top Officer Pay81st percentile

Board Members and Trustees

NameTitle
Armond J FarrarFounder and Chairman
Revenue and Support

Revenue Composition

Contributions and Grants
$64,124
Program Service Revenue
$0
Investment Income
$0
Other Revenue
$0
All Other Contributions
$64,124
Change in Net Assets
$-12,418
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$47,617
Salaries, Compensation, and Employee Benefits$28,925
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Fees for Services Other$37,500$9,373-$46,873
Other Salaries and Wages-$26,800-$26,800
Payroll Taxes-$2,125-$2,125
Fees for Services Accounting-$375-$375
Office Expenses-$369-$369
Total Functional Expenses$37,500$39,042$0$76,542
Fundraising, Events, and Gaming
Fundraising activities
No
Gaming activities
No
Professional fundraiser used
No

Fundraising and Gaming Totals

Line ItemAmount
Professional Fundraising Fees$0
Political and Lobbying Activity
Political campaign activity
No
Lobbying activity
No
Subject to proxy tax
No
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
No
Business relationship with 35% controlled entity
No
Business relationship with family members
No
Business relationship with organization members
No
Material changes to governing documents
No
Compensation from other sources disclosed
No
CEO compensation reviewed
No
Other officer compensation reviewed
No
Conflict-of-interest policy
Yes
Audited financial statements prepared
No
Key decisions subject to board approval
Yes
Management duties delegated
No

Governance Explanations

Governing body decisions Part VI line 7B

“Governing body members have to agree by majority on decisions and actions taken by the organization”

Committee meeting documentation Part VI line 8B

“Meeting minutes are kept anytime the organization has a meeting”

Form 990 governing body review Part VI line 11

“No review will be conducted”

Governing documents etc available to public Part VI line 19

“Governing documents for the organization are available for review upon request by public”

Filing and Contact Details

Filer

Filer Name
Ajf Scholarship and Achievement Foundation Inc
EIN
81-2919415
In Care Of
% ARMOND J FARRAR
Phone
3013417015
Address
1889 BRIGHTSEAT ROAD, LANDOVER, MD 20785-4250

Signing Officer

Name
Armond J Farrar
Title
Principal
Phone
3013417015
Signed
2025-11-06
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Armond J Farrar
Formed
2015
Legal Domicile
Md
Voting Board Members
6
Independent Board Members
6
Employees
1

Preparer

Firm
Farrar Associates Inc
Address
1889 BRIGHTSEAT ROAD, LANDOVER, MD 20785
Preparer
L Anthony Bagley
Phone
3013417015
Supplemental Narrative

Additional Explanations

List of other fees for services expenses Part IX line 11G

“Company expenses $9373 and scholarships for award recipients $37500”

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This appendix keeps the raw XML leaves available for debugging and edge-case review. The human report above is the primary experience.

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