Civic Intelligence

Aaa Fair Credit Foundation

EIN 84-1411225 • 501(c)3 • Salt Lake City, UT

View Organization Page

Profile

Teach individuals and families how to manage their finances wisely to improve and sustain financial well-being

622 N 500 WSalt Lake City, UT 84116

www.faircredit.org

Siviq Scores

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

Liabilities / Assets

Score unavailable

No value available

Liabilities-to-assets requires both liabilities and assets on the latest valid filing.

Source year 2022

Liabilities / Revenue

61st percentile

0.00x

Tied with the lowest-debt nonprofits in its peer group.

501(c)3 • <$500k nonprofits • Source year 2022

Net Margin

50th percentile

1.5%

Higher net margin than 50% of similar nonprofits.

501(c)3 • <$500k nonprofits • Source year 2022

Top Officer Pay

Score unavailable

No value available

No filing with officer rows is available for this organization yet.

Asset Growth

9th percentile

-100%

Faster asset growth than 9% of similar nonprofits.

501(c)3 • <$500k nonprofits • Annualized from 2021 to 2022

Revenue Growth

13th percentile

-61%

Faster revenue growth than 13% of similar nonprofits.

501(c)3 • <$500k nonprofits • Annualized from 2021 to 2022

Balance Sheet
Liabilities / AssetsScore unavailable

Assets

Down

$0

Down $1,030,789 (-100%) from 2021

Liabilities

Down

$0

Down $25,174 (-100%) from 2021

Net Assets

Down

$0

Down $1,005,615 (-100%) from 2021

Operations
Liabilities / Revenue61st percentileNet Margin50th percentile

Revenue

Down

$212,509

Down $326,523 (-61%) from 2021

Expenses

Down

$209,421

Down $227,131 (-52%) from 2021

Net Income

Down

$3,088

Down $99,392 (-97%) from 2021

Trend Graphs

Balance Sheet Trend

Asset Growth9th percentile

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

$3.0M$2.0M$1.0M$0Assets 2011: $2,149,901Liabilities 2011: $228,145Net Assets 2011: $1,921,7562011Assets 2012: $2,281,081Liabilities 2012: $240,211Net Assets 2012: $2,040,8702012Assets 2013: $2,219,421Liabilities 2013: $253,265Net Assets 2013: $1,966,1562013Assets 2014: $1,979,988Liabilities 2014: $143,550Net Assets 2014: $1,836,4382014Assets 2015: $1,714,924Liabilities 2015: $107,925Net Assets 2015: $1,606,9992015Assets 2016: $1,383,133Liabilities 2016: $73,319Net Assets 2016: $1,309,8142016Assets 2017: $1,231,697Liabilities 2017: $91,135Net Assets 2017: $1,140,5622017Assets 2018: $1,110,836Liabilities 2018: $55,793Net Assets 2018: $1,055,0432018Assets 2019: $978,814Liabilities 2019: $58,722Net Assets 2019: $920,0922019Assets 2020: $925,855Liabilities 2020: $22,720Net Assets 2020: $903,1352020Assets 2021: $1,030,789Liabilities 2021: $25,174Net Assets 2021: $1,005,6152021Assets 2022: $0Liabilities 2022: $0Net Assets 2022: $02022

Highlighted filing

2022

Assets$0
Liabilities$0
Net Assets$0
Open 2022 Filing

Operations Trend

Revenue Growth13th percentile

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

$2.0M$1.5M$1.0M$500K$0-$500KRevenue 2011: $1,455,521Expenses 2011: $1,447,824Net Income 2011: $7,6972011Revenue 2012: $1,514,143Expenses 2012: $1,395,029Net Income 2012: $119,1142012Revenue 2013: $1,373,585Expenses 2013: $1,448,299Net Income 2013: -$74,7142013Revenue 2014: $1,309,011Expenses 2014: $1,438,729Net Income 2014: -$129,7182014Revenue 2015: $1,093,804Expenses 2015: $1,323,243Net Income 2015: -$229,4392015Revenue 2016: $928,702Expenses 2016: $1,225,887Net Income 2016: -$297,1852016Revenue 2017: $889,965Expenses 2017: $1,059,217Net Income 2017: -$169,2522017Revenue 2018: $870,061Expenses 2018: $955,581Net Income 2018: -$85,5202018Revenue 2019: $598,988Expenses 2019: $733,939Net Income 2019: -$134,9512019Revenue 2020: $519,285Expenses 2020: $536,242Net Income 2020: -$16,9572020Revenue 2021: $539,032Expenses 2021: $436,552Net Income 2021: $102,4802021Revenue 2022: $212,509Expenses 2022: $209,421Net Income 2022: $3,0882022

Highlighted filing

2022

Revenue$212,509
Expenses$209,421
Net Income$3,088
Open 2022 Filing

Filings

Most recent year

2022 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$0
Liabilities
$0
Net assets
$0
Revenue
$212,509
Expenses
$209,421
Net income
$3,088
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2022Detailed filing. Detailed filing data is available for this year.$0.00$0.00$0.00$0.21$0.21$0.00
2021Detailed filing. Detailed filing data is available for this year.$1.03$0.03$1.01$0.54$0.44$0.10
2020Detailed filing. Detailed filing data is available for this year.$0.93$0.02$0.90$0.52$0.54$0.02
2019Detailed filing. Detailed filing data is available for this year.$0.98$0.06$0.92$0.60$0.73$0.13
2018Detailed filing. Detailed filing data is available for this year.$1.11$0.06$1.06$0.87$0.96$0.09
2017Detailed filing. Detailed filing data is available for this year.$1.23$0.09$1.14$0.89$1.06$0.17
2016Detailed filing. Detailed filing data is available for this year.$1.38$0.07$1.31$0.93$1.23$0.30
2015Summary only. Only limited summary data is available for this year.$1.71$0.11$1.61$1.09$1.32$0.23
2014Summary only. Only limited summary data is available for this year.$1.98$0.14$1.84$1.31$1.44$0.13
2013Summary only. Only limited summary data is available for this year.$2.22$0.25$1.97$1.37$1.45$0.07
2012Summary only. Only limited summary data is available for this year.$2.28$0.24$2.04$1.51$1.40$0.12
2011Summary only. Only limited summary data is available for this year.$2.15$0.23$1.92$1.46$1.45$0.01
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2022 to Oct 31, 2022
Signed
Nov 11, 2022
Return Version
2021v4.1
Gross Receipts
$212,509
Mission and Program Overview

Mission

Teach individuals and families how to manage their finances wisely to improve and sustain financial well-being

Balance Sheet Detail
LineBeginningEndChange
Assets
Savings and Temporary Cash Investments$543,013$0▼ $543,013
Cash and Non-Interest-Bearing Accounts$422,982$0▼ $422,982
Pledges and Grants Receivable$54,158$0▼ $54,158
Prepaid Expenses and Deferred Charges$10,372$0▼ $10,372
Land, Buildings, and Equipment, Net$264$0▼ $264
Accounts Receivable-$0-
Other Notes and Loans Receivable, Net-$0-
Receivable From Disqualified Prsn-$0-
Receivables From Officers Etc-$0-
Investments Other Securities-$0-
Investments Program Related-$0-
Investments in Publicly Traded Securities-$0-
Intangible Assets-$0-
Inventories for Sale or Use-$0-
Total Assets$1,030,789$0▼ $1,030,789
Other Assets Total-$0-
Liabilities
Accounts Payable and Accrued Expenses$25,174--
Total Liabilities$25,174$0▼ $25,174
Net Assets / Fund Balance
Net Assets With Donor Restrictions$543,013--
Net Assets Without Donor Restrictions$462,602--
Total Net Assets Fund Balance$1,005,615$0▼ $1,005,615
Total Liabilities and Net Assets / Fund Balance$1,030,789$0▼ $1,030,789
Compensation and Service Providers
Top Officer PayScore unavailable

Employees

NameTitleFull / Part TimeBaseTotal
Gregory BehrmannExecutive DirectorFT$11,250$11,250
Samuel HobiExecutive DirectorFT$10,650$10,650
Ellen BillieExecutive DirectorFT$5,338$5,338

Board Members and Trustees

NameTitle
Stephen FitzpatrickChairman
C Jimmy ChoiTrustee
Cameron BishopTrustee
Cassie AlveyTrustee
Jon BehrmanTrustee
Lauren ChapmanTrustee
Matthew BallardTrustee
Paul R ThomsenTrustee
Ptoshia K MerrillsTrustee
Tricia SchumannTrustee
Nathan CluffTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$204,815
Program Service Revenue
$7,595
Investment Income
$99
Other Revenue
$0
All Other Contributions
$204,815
Change in Net Assets
$3,088
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$155,448
Other Expenses$47,973
Grants and Similar Amounts Paid$6,000
Total Fundraising Expense$1,711
Professional Fundraising Fees$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages$117,016$10,076$1,112$128,204
Fees for Services Accounting-$17,240-$17,240
Current Officers, Directors, Trustees, and Key Employees-$11,250-$11,250
Payroll Taxes$8,671$1,568$69$10,308
Occupancy$1,404$5,716$17$7,137
Fees for Services Management-$7,136-$7,136
Grants to Domestic Individuals$6,000--$6,000
Other Employee Benefits$4,159$1,355$172$5,686
Fees for Services Legal-$3,000-$3,000
Insurance$250$2,356$8$2,614
Information Technology$1,273$1,055$1$2,329
Fees for Services Other-$1,275-$1,275
Conferences and Meetings$798--$798
Depreciation Depletion$63$1$200$264
Other Expenses$194$7$4$194
Advertising--$128$128
All Other Expenses$65$17-$82
Total Functional Expenses$144,023$63,687$1,711$209,421
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
Insider Transactions and Loans

Loans and Receivables

Line ItemBeginningEndChange
Receivables from Disqualified Persons-$0-
Receivables from Officers, Directors, Trustees, and Key Employees-$0-
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Backup withholding compliance
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
Yes
Other officer compensation reviewed
No
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, Line 11B: Form 990 Review Process

“Organization's process to review form 990: the board of directors reviews, discusses, and approves the form 990 prior to issuance.”

Form 990, Part VI, Line 12C: Explanation of Monitoring and Enforcement of Conflicts

“Enforcement of conflicts: the board of directors reviews the conflict of interest policy as necessary, at least annually.”

Form 990, Part VI, Line 15A: Compensation Review & Approval Process - CEO, Top Management

“Compensation process for officers reviewed as necessary, the board of directors approves the executive director and other officers compensation as determined by a number of factors.”

Form 990, Part VI, Line 19: Other Organization Documents Publicly Available

“Governing documents and other financial information available upon request.”

Filing and Contact Details

Filer

Filer Name
Aaa Fair Credit Foundation
EIN
84-1411225
Phone
8015391590
Address
622 N 500 W, SALT LAKE CITY, UT 84116

Signing Officer

Name
Stephen Fitzpatrick
Title
Chairman
Signed
2022-11-11
Discuss with paid preparer
Yes

Organization Details

Formed
1997
Legal Domicile
Ut
Voting Board Members
11
Independent Board Members
11
Employees
10

Preparer

Firm
Cardenas Accounting Services
Address
446 E Welby Ave, Salt Lake City, UT 84115
Preparer
Chris Yoakam
Phone
8019137277
Supplemental Narrative

Additional Explanations

Other Changes In Net Assets Or Fund Balances - Other Decreases

“Transfer of assets upon disposition = -$125000”

Other Changes In Net Assets Or Fund Balances - Other Decreases

“Transfer of assets upon disposition = -$38605”

Other Changes In Net Assets Or Fund Balances - Other Decreases

“Transfer of assets upon dissolution = -$845098”

Financial Statement Notes

Part X : FIN48 Footnote

“The Organization qualifies as a tax-exempt entity under Section 501c3 of the Internal Revenue Code, and accordingly, no provision has been made for federal or state income tax. The Organization remains subject to income taxes on net income that is derived from a trade or business, regularly carried on, and not for the exempt purpose for which the Organization was granted exemption status. In the opinion of management, the Organization does not have any unrelated business income subject to taxation. ASC Topic 740, Income Taxes, provides guidance on how uncertain tax positions should be recognized, measured, disclosed and presented in the financial statements. This requires the evaluation by management of tax positions taken or expected to be taken in preparation of the Organizations tax returns to determine if the positions are more-likely-than-not of being sustained if examined by the taxing authorities. Management has determined there are no uncertain income tax positions. Tax years that remain subject to examination are 2015 and forward.”

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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/Form990PartVIISectionAGrp/TitleTxt0Executive Dir.
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