Civic Intelligence

Family Financial Education Foundation

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.

724 Front Street Apt 340Evanston, WY 82930

www.ffef.org

Siviq Scores

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

Liabilities / Assets

79th percentile

0.39x

Higher debt load relative to assets than 79% of similar nonprofits.

501(c)3 • $1M-$5M nonprofits • Source year 2024

Liabilities / Revenue

94th percentile

2.66x

Higher debt load relative to revenue than 94% of similar nonprofits.

501(c)3 • $1M-$5M nonprofits • Source year 2024

Net Margin

2nd percentile

-183%

Higher net margin than 2% of similar nonprofits.

501(c)3 • $1M-$5M nonprofits • Source year 2024

Top Officer Pay

91st percentile

$219,231

Higher top officer pay than 91% of similar nonprofits.

Top officer pay equals 83.1% of source-year revenue.

501(c)3 • $1M-$5M nonprofits • Source year 2024

Asset Growth

7th percentile

-30%

Faster asset growth than 7% of similar nonprofits.

501(c)3 • $1M-$5M nonprofits • Annualized from 2023 to 2024

Revenue Growth

3rd percentile

-67%

Faster revenue growth than 3% of similar nonprofits.

501(c)3 • $1M-$5M nonprofits • Annualized from 2023 to 2024

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

Trend Graphs

Balance Sheet Trend

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

$4.0M$3.0M$2.0M$1.0M$0Assets 2010: $3,601,050Liabilities 2010: $612,546Net Assets 2010: $2,988,5042010Assets 2011: $3,324,889Liabilities 2011: $606,974Net Assets 2011: $2,717,9152011Assets 2012: $3,188,982Liabilities 2012: $547,472Net Assets 2012: $2,641,5102012Assets 2013: $3,060,642Liabilities 2013: $454,591Net Assets 2013: $2,606,0512013Assets 2014: $2,888,405Liabilities 2014: $346,157Net Assets 2014: $2,542,2482014Assets 2015: $2,356,341Liabilities 2015: $288,647Net Assets 2015: $2,067,6942015Assets 2016: $2,188,552Liabilities 2016: $260,036Net Assets 2016: $1,928,5162016Assets 2017: $2,014,046Liabilities 2017: $281,250Net Assets 2017: $1,732,7962017Assets 2018: $2,060,519Liabilities 2018: $304,423Net Assets 2018: $1,756,0962018Assets 2019: $2,258,885Liabilities 2019: $354,063Net Assets 2019: $1,904,8222019Assets 2020: $2,466,406Liabilities 2020: $540,643Net Assets 2020: $1,925,7632020Assets 2021: $2,580,776Liabilities 2021: $437,091Net Assets 2021: $2,143,6852021Assets 2022: $2,515,876Liabilities 2022: $979,240Net Assets 2022: $1,536,6362022Assets 2023: $2,551,560Liabilities 2023: $981,199Net Assets 2023: $1,570,3612023Assets 2024: $1,789,186Liabilities 2024: $702,372Net Assets 2024: $1,086,8142024

Highlighted filing

2024

Assets$1,789,186
Liabilities$702,372
Net Assets$1,086,814

Operations Trend

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

$4.0M$3.0M$2.0M$1.0M$0-$1.0MExpenses 2010: $3,134,4932010Expenses 2011: $3,389,3232011Expenses 2012: $3,039,2002012Revenue 2013: $2,612,977Expenses 2013: $2,648,436Net Income 2013: -$35,4592013Revenue 2014: $2,166,564Expenses 2014: $2,230,366Net Income 2014: -$63,8022014Revenue 2015: $1,565,783Expenses 2015: $2,040,337Net Income 2015: -$474,5542015Revenue 2016: $1,578,948Expenses 2016: $1,718,127Net Income 2016: -$139,1792016Revenue 2017: $1,356,167Expenses 2017: $1,551,887Net Income 2017: -$195,7202017Revenue 2018: $1,215,824Expenses 2018: $1,247,793Net Income 2018: -$31,9692018Revenue 2019: $1,327,744Expenses 2019: $1,179,249Net Income 2019: $148,4952019Revenue 2020: $1,212,508Expenses 2020: $1,191,567Net Income 2020: $20,9412020Revenue 2021: $1,346,527Expenses 2021: $1,128,605Net Income 2021: $217,9222021Revenue 2022: $553,833Expenses 2022: $1,160,881Net Income 2022: -$607,0482022Revenue 2023: $787,969Expenses 2023: $754,274Net Income 2023: $33,6952023Revenue 2024: $263,919Expenses 2024: $747,466Net Income 2024: -$483,5472024

Highlighted filing

2024

Revenue$263,919
Expenses$747,466
Net Income-$483,547

Filings

Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Facts available. Structured filing facts are available, but richer extracted sections are limited.$1.79$0.70$1.09$0.26$0.75$0.48
2023Detailed filing. Detailed filing data is available for this year.$2.55$0.98$1.57$0.79$0.75$0.03
2022Detailed filing. Detailed filing data is available for this year.$2.52$0.98$1.54$0.55$1.16$0.61
2021Detailed filing. Detailed filing data is available for this year.$2.58$0.44$2.14$1.35$1.13$0.22
2020Detailed filing. Detailed filing data is available for this year.$2.47$0.54$1.93$1.21$1.19$0.02
2019Detailed filing. Detailed filing data is available for this year.$2.26$0.35$1.90$1.33$1.18$0.15
2018Detailed filing. Detailed filing data is available for this year.$2.06$0.30$1.76$1.22$1.25$0.03
2017Detailed filing. Detailed filing data is available for this year.$2.01$0.28$1.73$1.36$1.55$0.20
2016Detailed filing. Detailed filing data is available for this year.$2.19$0.26$1.93$1.58$1.72$0.14
2015Detailed filing. Detailed filing data is available for this year.$2.36$0.29$2.07$1.57$2.04$0.47
2014Detailed filing. Detailed filing data is available for this year.$2.89$0.35$2.54$2.17$2.23$0.06
2013Detailed filing. Detailed filing data is available for this year.$3.06$0.45$2.61$2.61$2.65$0.04
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$3.19$0.55$2.64$3.04
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$3.32$0.61$2.72$3.39
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$3.60$0.61$2.99$3.13
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
Nov 17, 2025
Return Version
2024v5.2
Gross Receipts
$263,919
Mission and Program Overview

Mission

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.

Balance Sheet Detail
LineBeginningEndChange
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 Categories

AssetBook ValueDepreciationBasis
Other Land Buildings-$205,531$205,531
Leasehold Improvements-$85,440$85,440
Equipment$778$80,073$80,851
Compensation and Service Providers

Employees

NameTitleFull / Part TimeBaseTotal
William R ClunyPresident CEOFT$219,231$219,231

Board Members and Trustees

NameTitle
Preston L CochraneDirector/Board Chair
Brent G HatchDirector
John W WaltonDirector
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$80,019
Investment Income
$183,900
Other Revenue
$0
Change in Net Assets
$-483,547
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
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

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
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
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
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Federal income taxes$45,546
Operating Lease Liability-
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
Yes
Annual disclosure for covered persons
Yes
Audit committee
Yes
Backup withholding compliance
Yes
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
Yes
Other officer compensation reviewed
Yes
Conflict-of-interest policy
Yes
Audited financial statements prepared
No
Key decisions subject to board approval
No
Management duties delegated
No

Governance Explanations

Form 990, Part VI, Section A, Line 9

Preston L. Cochrane Board of Director, Board ChairJohn W. Walton Board of DirectorBrent G, Hatch Board of DIrector

Filing and Contact Details

Filer

Filer Name
Family Financial Education Foundation
EIN
83-0320495
Phone
3077892010
Address
724 FRONT STREET APT 340, EVANSTON, WY 82930

Signing Officer

Name
William R Cluny
Title
President CEO
Phone
3077892010
Signed
2025-11-17
Discuss with paid preparer
Yes

Organization Details

Principal Officer
William R Cluny
Formed
1997
Legal Domicile
Wy
Voting Board Members
3
Independent Board Members
3
Employees
3

Preparer

Firm
Liechty & Associates
Address
103 Ute Cir, Evanston, WY 82930
Preparer
Brent M Liechty
Phone
3077890633
Supplemental Narrative

Additional Explanations

Form 990, Part IV, Section B, Line 11B

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.

Form 990, Part IV, Section B, Line 15A

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.

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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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IRS990/ReportInvestmentsOtherSecInd0false
IRS990/ReportLandBuildingEquipmentInd0true
IRS990/ReportOtherAssetsInd0false
IRS990/ReportOtherLiabilitiesInd0true
IRS990/ReportProgramRelatedInvstInd0false
IRS990/RevenueAmt02196
IRS990/RoyaltiesGrp/TotalAmt00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt01570361
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt01086814
IRS990/SavingsAndTempCashInvstGrp/BOYAmt01617695
IRS990/SavingsAndTempCashInvstGrp/EOYAmt01218709
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearMinus1YearAmt0410687
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearMinus2YearsAmt0694612
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearMinus3YearsAmt01190372
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearMinus4YearsAmt01096594
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/TotalAmt03392265
IRS990ScheduleA/GrossInvestmentIncome170Grp/CurrentTaxYearMinus1YearAmt0154246
IRS990ScheduleA/GrossInvestmentIncome170Grp/CurrentTaxYearMinus3YearsAmt0156155
IRS990ScheduleA/GrossInvestmentIncome170Grp/CurrentTaxYearMinus4YearsAmt0115914
IRS990ScheduleA/GrossInvestmentIncome170Grp/TotalAmt0426315
IRS990ScheduleA/PublicOrganization170Ind0X
IRS990ScheduleA/PublicSupportCY170Pct00.88840
IRS990ScheduleA/PublicSupportPY170Pct00.87990
IRS990ScheduleA/PublicSupportTotal170Amt03392265
IRS990ScheduleA/ThirtyThrPctSuprtTestsCY170Ind0X
IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearMinus1YearAmt0410687
IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearMinus2YearsAmt0694612
IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearMinus3YearsAmt01190372
IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearMinus4YearsAmt01096594
IRS990ScheduleA/TotalCalendarYear170Grp/TotalAmt03392265
IRS990ScheduleA/TotalSupportAmt03818580
IRS990ScheduleB/ContributorInformationGrp/ContributorBusinessName/BusinessNameLine10RESTRICTED
IRS990ScheduleB/ContributorInformationGrp/ContributorNum0RESTRICTED
IRS990ScheduleB/ContributorInformationGrp/ContributorUSAddress/AddressLine10RESTRICTED
IRS990ScheduleB/ContributorInformationGrp/ContributorUSAddress/AddressLine20RESTRICTED
IRS990ScheduleB/ContributorInformationGrp/ContributorUSAddress/City0RESTRICTED
IRS990ScheduleB/ContributorInformationGrp/ContributorUSAddress/State0RESTRICTED
IRS990ScheduleB/ContributorInformationGrp/ContributorUSAddress/ZIPCode0RESTRICTED
IRS990ScheduleB/ContributorInformationGrp/TotalContributionsAmt0RESTRICTED
IRS990/ScheduleBRequiredInd0false
IRS990ScheduleD/AgentTrusteeEtcInd0false
IRS990ScheduleD/EquipmentGrp/BookValueAmt0778
IRS990ScheduleD/EquipmentGrp/DepreciationAmt080073
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt080851
IRS990ScheduleD/InclEscrowCustodialAcctLiabInd0true
IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt085440
IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt085440
IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt0205531
IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt0205531
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt045546
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0Federal income taxes
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc1Operating Lease Liability
IRS990ScheduleD/OtherSecuritiesGrp/Desc0Financial derivatives and other financial products
IRS990ScheduleD/OtherSecuritiesGrp/Desc1Closely-held equity interests
IRS990ScheduleD/TotalBookValueLandBuildingsAmt0778
IRS990ScheduleD/TotalLiabilityAmt045546
IRS990/ScheduleJRequiredInd0false
IRS990/ScheduleORequiredInd0true
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0Preston L. Cochrane Board of Director, Board ChairJohn W. Walton Board of DirectorBrent G, Hatch Board of DIrector
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1The 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/ExplanationTxt2Industry 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/FormAndLineReferenceDesc0Form 990, Part VI, Section A, Line 9
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Form 990, Part IV, Section B, Line 11b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2Form 990, Part IV, Section B, Line 15a
IRS990/SchoolOperatingInd0false
IRS990/SignificantChangeInd0true
IRS990/SignificantNewProgramSrvcInd0false
IRS990/StatesWhereCopyOfReturnIsFldCd0IL
IRS990/SubjectToExcsTaxNetInvstIncInd0false
IRS990/SubjectToProxyTaxInd0false
IRS990/SubjToTaxRmnrtnExPrchtPymtInd0false
IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TerminateOperationsInd0false
IRS990/TotalAssetsBOYAmt02551560
IRS990/TotalAssetsEOYAmt01789186
IRS990/TotalAssetsGrp/BOYAmt02551560
IRS990/TotalAssetsGrp/EOYAmt01789186
IRS990/TotalCompGreaterThan150KInd0false
IRS990/TotalEmployeeCnt03
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt043111
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt0704355
IRS990/TotalFunctionalExpensesGrp/TotalAmt0747466
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt0981199
IRS990/TotalLiabilitiesEOYAmt0702372
IRS990/TotalLiabilitiesGrp/BOYAmt0981199
IRS990/TotalLiabilitiesGrp/EOYAmt0702372
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt01570361
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt01086814
IRS990/TotalProgramServiceExpensesAmt0704355
IRS990/TotalProgramServiceRevenueAmt080019
IRS990/TotalReportableCompFromOrgAmt0219231
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt0183900
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt0263919
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt02551560
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt01789186
IRS990/TravelGrp/TotalAmt00
IRS990/TrnsfrExmptNonChrtblRltdOrgInd0false
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd0false
IRS990/UnsecuredNotesLoansPayableGrp/BOYAmt0136169
IRS990/UnsecuredNotesLoansPayableGrp/EOYAmt0132182
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt0724 FRONT STREET SUITE 340
IRS990/USAddress/CityNm0EVANSTON
IRS990/USAddress/StateAbbreviationCd0WY
IRS990/USAddress/ZIPCd082930
IRS990/VotingMembersGoverningBodyCnt03
IRS990/VotingMembersIndependentCnt03
IRS990/WebsiteAddressTxt0www.ffef.org
IRS990/WhistleblowerPolicyInd0true
ReturnHeader/BuildTS02025-03-06 01:10:19Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0WILLIAM R CLUNY
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0PRESIDENT CEO
ReturnHeader/BusinessOfficerGrp/PhoneNum03077892010
ReturnHeader/BusinessOfficerGrp/SignatureDt02025-11-17
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0FAMILY FINANCIAL EDUCATION FOUNDATION
ReturnHeader/Filer/BusinessNameControlTxt0FAMI
ReturnHeader/Filer/EIN0830320495
ReturnHeader/Filer/PhoneNum03077892010
ReturnHeader/Filer/USAddress/AddressLine1Txt0724 FRONT STREET APT 340
ReturnHeader/Filer/USAddress/CityNm0EVANSTON
ReturnHeader/Filer/USAddress/StateAbbreviationCd0WY
ReturnHeader/Filer/USAddress/ZIPCd082930
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0830300681
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0Liechty & Associates
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt0103 Ute Cir
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0Evanston
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0WY
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd082930
ReturnHeader/PreparerPersonGrp/PhoneNum03077890633
ReturnHeader/PreparerPersonGrp/PreparationDt02025-11-17
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0Brent M Liechty
ReturnHeader/PreparerPersonGrp/SelfEmployedInd0X
ReturnHeader/ReturnTs02025-11-17T11:02:35-00:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02024-01-01
ReturnHeader/TaxPeriodEndDt02024-12-31
ReturnHeader/TaxYr02024

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