Liabilities / Assets
79th percentile
Higher debt load relative to assets than 79% of similar nonprofits.
EIN 83-0320495 • 501(c)3 • Evanston, WY
Profile
The mission of Family Financial Education Foundation FFEF is to strengthen and support low to moderate income individuals, families, and communities by teaching them how to apply sound money management skills by providing free customized financial education, counseling, debt management programs and other related services.
Precomputed percentiles relative to similar nonprofits. These scores are descriptive rather than judgmental.
Liabilities / Assets
79th percentile
Higher debt load relative to assets than 79% of similar nonprofits.
Liabilities / Revenue
94th percentile
Higher debt load relative to revenue than 94% of similar nonprofits.
Net Margin
2nd percentile
Higher net margin than 2% of similar nonprofits.
Top Officer Pay
91st percentile
Higher top officer pay than 91% of similar nonprofits.
Top officer pay equals 83.1% of source-year revenue.
Asset Growth
7th percentile
Faster asset growth than 7% of similar nonprofits.
Revenue Growth
3rd percentile
Faster revenue growth than 3% of similar nonprofits.
Assets
Down$1,789,186
Down $762,374 (-30%) from 2023
Liabilities
Down$702,372
Down $278,827 (-28%) from 2023
Net Assets
Down$1,086,814
Down $483,547 (-31%) from 2023
Revenue
Down$263,919
Down $524,050 (-67%) from 2023
Expenses
Down$747,466
Down $6,808 (-0.9%) from 2023
Net Income
Down-$483,547
Down $517,242 (-1535%) from 2023
Most recent year
2024 • Form 990Facts available. Structured filing facts are available, but richer extracted sections are limited.
The Mission of Family Financial Education Foundation is to adhere to the industry code of practice by providing customized education and training regarding critical money-management skills to individuals and families thus enabling them to manage their financial resources.
The mission of Family Financial Education Foundation FFEF is to strengthen and support low to moderate income individuals, families, and communities by teaching them how to apply sound money management skills.
| Line | Beginning | End | Change |
|---|---|---|---|
| Assets | |||
| Savings and Temporary Cash Investments | $1,617,695 | $1,218,709 | ▼ $398,986 |
| Rtn Earn Endowment Incm Other Fnds | $1,570,361 | $1,086,814 | ▼ $483,547 |
| Cash and Non-Interest-Bearing Accounts | $507,125 | $525,349 | ▲ $18,224 |
| Land, Buildings, and Equipment, Net | $4,514 | $778 | ▼ $3,736 |
| Total Assets | $2,551,560 | $1,789,186 | ▼ $762,374 |
| Other Assets Total | $422,226 | $44,350 | ▼ $377,876 |
| Liabilities | |||
| Escrow Account Liability | $415,760 | $516,042 | ▲ $100,282 |
| Unsecured Notes Loans Payable | $136,169 | $132,182 | ▼ $3,987 |
| Other Liabilities | $422,226 | $45,546 | ▼ $376,680 |
| Accounts Payable and Accrued Expenses | $7,044 | $8,602 | ▲ $1,558 |
| Total Liabilities | $981,199 | $702,372 | ▼ $278,827 |
| Net Assets / Fund Balance | |||
| Total Net Assets Fund Balance | $1,570,361 | $1,086,814 | ▼ $483,547 |
| Total Liabilities and Net Assets / Fund Balance | $2,551,560 | $1,789,186 | ▼ $762,374 |
| Asset | Book Value | Depreciation | Basis |
|---|---|---|---|
| Other Land Buildings | - | $205,531 | $205,531 |
| Leasehold Improvements | - | $85,440 | $85,440 |
| Equipment | $778 | $80,073 | $80,851 |
| Name | Title | Full / Part Time | Base | Total |
|---|---|---|---|---|
| William R Cluny | President CEO | FT | $219,231 | $219,231 |
| Name | Title |
|---|---|
| Preston L Cochrane | Director/Board Chair |
| Brent G Hatch | Director |
| John W Walton | Director |
| Line Item | Amount |
|---|---|
| Salaries, Compensation, and Employee Benefits | $553,242 |
| Other Expenses | $194,224 |
| Grants and Similar Amounts Paid | $0 |
| Professional Fundraising Fees | $0 |
| Total Fundraising Expense | $0 |
| Line Item | Program | Management | Fundraising | Total |
|---|---|---|---|---|
| Current Officers, Directors, Trustees, and Key Employees | $424,431 | $22,800 | - | $447,231 |
| Occupancy | $94,936 | $8,198 | - | $103,134 |
| Other Salaries and Wages | $69,615 | - | - | $69,615 |
| Fees for Services Accounting | $55,107 | $4,148 | - | $59,255 |
| Other Employee Benefits | $34,212 | $2,184 | - | $36,396 |
| Office Expenses | $15,397 | $1,701 | - | $17,098 |
| Fees for Services Management | $6,391 | - | - | $6,391 |
| Depreciation Depletion | $3,362 | $375 | - | $3,737 |
| Interest | - | $3,705 | - | $3,705 |
| Other Expenses | $904 | - | - | $904 |
| Total Functional Expenses | $704,355 | $43,111 | $0 | $747,466 |
| Line Item | Amount |
|---|---|
| Professional Fundraising Fees | $0 |
| Liability | Amount |
|---|---|
| Federal income taxes | $45,546 |
| Operating Lease Liability | - |
“Preston L. Cochrane Board of Director, Board ChairJohn W. Walton Board of DirectorBrent G, Hatch Board of DIrector”
“The completed 990 is given to the President and CEO. He reviewes the reurn and writes questions or makes commets on the return. It is then returned to the preparer to review and answer each question or comment.”
“Industry compensation schedules are reviewed annualy by the Board of Directors to insure that compensation is within the industry guidelines. These guidelines are part of a compensation survey FFEF has participated. Also through interviews with comparable organizations. Additional information is provided by Guidestar.org.”
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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| IRS990/Desc | 0 | Credit Score Review/My Credit Plan, provides a quality 3-in-1 credit report with FICO scores from Equifax, Experian, and TransUnion. This is the same report used by mortgage companies, banks, and other lenders. This review will teach clients how to improve their credit score and how to dispute any errors. One of FFEFs Certified Credit Report Reviewers will counsel and guide the client line by line through the credit report to answer any questions and address any concerns. This is not credit repair. |
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| IRS990ScheduleA/GrossInvestmentIncome170Grp/CurrentTaxYearMinus4YearsAmt | 0 | 115914 |
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| IRS990ScheduleA/PublicSupportPY170Pct | 0 | 0.87990 |
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| IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearMinus2YearsAmt | 0 | 694612 |
| IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearMinus3YearsAmt | 0 | 1190372 |
| IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearMinus4YearsAmt | 0 | 1096594 |
| IRS990ScheduleA/TotalCalendarYear170Grp/TotalAmt | 0 | 3392265 |
| IRS990ScheduleA/TotalSupportAmt | 0 | 3818580 |
| IRS990ScheduleB/ContributorInformationGrp/ContributorBusinessName/BusinessNameLine1 | 0 | RESTRICTED |
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| IRS990ScheduleB/ContributorInformationGrp/ContributorUSAddress/AddressLine2 | 0 | RESTRICTED |
| IRS990ScheduleB/ContributorInformationGrp/ContributorUSAddress/City | 0 | RESTRICTED |
| IRS990ScheduleB/ContributorInformationGrp/ContributorUSAddress/State | 0 | RESTRICTED |
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| IRS990ScheduleB/ContributorInformationGrp/TotalContributionsAmt | 0 | RESTRICTED |
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| IRS990ScheduleD/EquipmentGrp/DepreciationAmt | 0 | 80073 |
| IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt | 0 | 80851 |
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| IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt | 0 | 85440 |
| IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt | 0 | 85440 |
| IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt | 0 | 205531 |
| IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt | 0 | 205531 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt | 0 | 45546 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc | 0 | Federal income taxes |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc | 1 | Operating Lease Liability |
| IRS990ScheduleD/OtherSecuritiesGrp/Desc | 0 | Financial derivatives and other financial products |
| IRS990ScheduleD/OtherSecuritiesGrp/Desc | 1 | Closely-held equity interests |
| IRS990ScheduleD/TotalBookValueLandBuildingsAmt | 0 | 778 |
| IRS990ScheduleD/TotalLiabilityAmt | 0 | 45546 |
| IRS990/ScheduleJRequiredInd | 0 | false |
| IRS990/ScheduleORequiredInd | 0 | true |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 0 | Preston L. Cochrane Board of Director, Board ChairJohn W. Walton Board of DirectorBrent G, Hatch Board of DIrector |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 1 | The completed 990 is given to the President and CEO. He reviewes the reurn and writes questions or makes commets on the return. It is then returned to the preparer to review and answer each question or comment. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 2 | Industry compensation schedules are reviewed annualy by the Board of Directors to insure that compensation is within the industry guidelines. These guidelines are part of a compensation survey FFEF has participated. Also through interviews with comparable organizations. Additional information is provided by Guidestar.org. |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 0 | Form 990, Part VI, Section A, Line 9 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 1 | Form 990, Part IV, Section B, Line 11b |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 2 | Form 990, Part IV, Section B, Line 15a |
| IRS990/SchoolOperatingInd | 0 | false |
| IRS990/SignificantChangeInd | 0 | true |
| IRS990/SignificantNewProgramSrvcInd | 0 | false |
| IRS990/StatesWhereCopyOfReturnIsFldCd | 0 | IL |
| IRS990/SubjectToExcsTaxNetInvstIncInd | 0 | false |
| IRS990/SubjectToProxyTaxInd | 0 | false |
| IRS990/SubjToTaxRmnrtnExPrchtPymtInd | 0 | false |
| IRS990/TaxablePartyNotificationInd | 0 | false |
| IRS990/TaxExemptBondsInd | 0 | false |
| IRS990/TerminateOperationsInd | 0 | false |
| IRS990/TotalAssetsBOYAmt | 0 | 2551560 |
| IRS990/TotalAssetsEOYAmt | 0 | 1789186 |
| IRS990/TotalAssetsGrp/BOYAmt | 0 | 2551560 |
| IRS990/TotalAssetsGrp/EOYAmt | 0 | 1789186 |
| IRS990/TotalCompGreaterThan150KInd | 0 | false |
| IRS990/TotalEmployeeCnt | 0 | 3 |
| IRS990/TotalFunctionalExpensesGrp/FundraisingAmt | 0 | 0 |
| IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt | 0 | 43111 |
| IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt | 0 | 704355 |
| IRS990/TotalFunctionalExpensesGrp/TotalAmt | 0 | 747466 |
| IRS990/TotalGrossUBIAmt | 0 | 0 |
| IRS990/TotalLiabilitiesBOYAmt | 0 | 981199 |
| IRS990/TotalLiabilitiesEOYAmt | 0 | 702372 |
| IRS990/TotalLiabilitiesGrp/BOYAmt | 0 | 981199 |
| IRS990/TotalLiabilitiesGrp/EOYAmt | 0 | 702372 |
| IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt | 0 | 1570361 |
| IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt | 0 | 1086814 |
| IRS990/TotalProgramServiceExpensesAmt | 0 | 704355 |
| IRS990/TotalProgramServiceRevenueAmt | 0 | 80019 |
| IRS990/TotalReportableCompFromOrgAmt | 0 | 219231 |
| IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt | 0 | 183900 |
| IRS990/TotalRevenueGrp/TotalRevenueColumnAmt | 0 | 263919 |
| IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt | 0 | 2551560 |
| IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt | 0 | 1789186 |
| IRS990/TravelGrp/TotalAmt | 0 | 0 |
| IRS990/TrnsfrExmptNonChrtblRltdOrgInd | 0 | false |
| IRS990/TypeOfOrganizationCorpInd | 0 | X |
| IRS990/UnrelatedBusIncmOverLimitInd | 0 | false |
| IRS990/UnsecuredNotesLoansPayableGrp/BOYAmt | 0 | 136169 |
| IRS990/UnsecuredNotesLoansPayableGrp/EOYAmt | 0 | 132182 |
| IRS990/UponRequestInd | 0 | X |
| IRS990/USAddress/AddressLine1Txt | 0 | 724 FRONT STREET SUITE 340 |
| IRS990/USAddress/CityNm | 0 | EVANSTON |
| IRS990/USAddress/StateAbbreviationCd | 0 | WY |
| IRS990/USAddress/ZIPCd | 0 | 82930 |
| IRS990/VotingMembersGoverningBodyCnt | 0 | 3 |
| IRS990/VotingMembersIndependentCnt | 0 | 3 |
| IRS990/WebsiteAddressTxt | 0 | www.ffef.org |
| IRS990/WhistleblowerPolicyInd | 0 | true |
| ReturnHeader/BuildTS | 0 | 2025-03-06 01:10:19Z |
| ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd | 0 | true |
| ReturnHeader/BusinessOfficerGrp/PersonNm | 0 | WILLIAM R CLUNY |
| ReturnHeader/BusinessOfficerGrp/PersonTitleTxt | 0 | PRESIDENT CEO |
| ReturnHeader/BusinessOfficerGrp/PhoneNum | 0 | 3077892010 |
| ReturnHeader/BusinessOfficerGrp/SignatureDt | 0 | 2025-11-17 |
| ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt | 0 | FAMILY FINANCIAL EDUCATION FOUNDATION |
| ReturnHeader/Filer/BusinessNameControlTxt | 0 | FAMI |
| ReturnHeader/Filer/EIN | 0 | 830320495 |
| ReturnHeader/Filer/PhoneNum | 0 | 3077892010 |
| ReturnHeader/Filer/USAddress/AddressLine1Txt | 0 | 724 FRONT STREET APT 340 |
| ReturnHeader/Filer/USAddress/CityNm | 0 | EVANSTON |
| ReturnHeader/Filer/USAddress/StateAbbreviationCd | 0 | WY |
| ReturnHeader/Filer/USAddress/ZIPCd | 0 | 82930 |
| ReturnHeader/PreparerFirmGrp/PreparerFirmEIN | 0 | 830300681 |
| ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt | 0 | Liechty & Associates |
| ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt | 0 | 103 Ute Cir |
| ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm | 0 | Evanston |
| ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd | 0 | WY |
| ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd | 0 | 82930 |
| ReturnHeader/PreparerPersonGrp/PhoneNum | 0 | 3077890633 |
| ReturnHeader/PreparerPersonGrp/PreparationDt | 0 | 2025-11-17 |
| ReturnHeader/PreparerPersonGrp/PreparerPersonNm | 0 | Brent M Liechty |
| ReturnHeader/PreparerPersonGrp/SelfEmployedInd | 0 | X |
| ReturnHeader/ReturnTs | 0 | 2025-11-17T11:02:35-00:00 |
| ReturnHeader/ReturnTypeCd | 0 | 990 |
| ReturnHeader/TaxPeriodBeginDt | 0 | 2024-01-01 |
| ReturnHeader/TaxPeriodEndDt | 0 | 2024-12-31 |
| ReturnHeader/TaxYr | 0 | 2024 |
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