Civic Intelligence

Aaa Fair Credit Foundation

990 • Fiscal year 2016 • EIN 84-1411225

Jan 01, 2016 to Dec 31, 2016 • Filed on Jun 26, 2017

Organization ProfileWWW.FAIRCREDIT.ORG

View Organization Page

230 West 200 South 3104Salt Lake City, UT 84101

(801) 483-0999

Siviq Scores

Precomputed percentiles for this filing year versus similar nonprofits in the same peer cohort.

Liabilities / Assets

41st percentile

0.05x

Higher debt load relative to assets than 41% of similar nonprofits.

2016 filings • 501(c)3 • $1M-$5M nonprofits • Source year 2016

Liabilities / Revenue

44th percentile

0.08x

Higher debt load relative to revenue than 44% of similar nonprofits.

2016 filings • 501(c)3 • $1M-$5M nonprofits • Source year 2016

Net Margin

11th percentile

-32%

Higher net margin than 11% of similar nonprofits.

2016 filings • 501(c)3 • $1M-$5M nonprofits • Source year 2016

Top Officer Pay

64th percentile

$90,111

Higher top officer pay than 64% of similar nonprofits.

Top officer pay equals 9.7% of source-year revenue.

2016 filings • 501(c)3 • $1M-$5M nonprofits • Source year 2016

Asset Growth

7th percentile

-19%

Faster asset growth than 7% of similar nonprofits.

2016 filings • 501(c)3 • $1M-$5M nonprofits • Annualized from 2015 to 2016

Revenue Growth

19th percentile

-15%

Faster revenue growth than 19% of similar nonprofits.

2016 filings • 501(c)3 • $1M-$5M nonprofits • Annualized from 2015 to 2016

Balance Sheet
Liabilities / Assets41st percentile

Assets

Down

$1,383,133

Down $331,791 (-19%) from 2015

Net Assets

Down

$1,309,814

Down $297,185 (-18%) from 2015

Liabilities

Down

$73,319

Down $34,606 (-32%) from 2015

Revenue And Expenses
Liabilities / Revenue44th percentileNet Margin11th percentile

Revenue

Down

$928,702

Down $165,102 (-15%) from 2015

Expenses

Down

$1,225,887

Down $97,356 (-7.4%) from 2015

Net Income

Down

-$297,185

Down $67,746 (-30%) from 2015

Historical Trend

Balance Sheet Trend

Asset Growth7th percentile

The highlighted filing sits inside the broader history for assets, liabilities, and net assets.

$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

2016

Assets$1,383,133
Liabilities$73,319
Net Assets$1,309,814
Open 2016 Filing

Operations Trend

Revenue Growth19th percentile

Revenue, expenses, and net income across loaded years, with this 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

2016

Revenue$928,702
Expenses$1,225,887
Net Income-$297,185
Open 2016 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2016 to Dec 31, 2016
Signed
Jun 26, 2017
Return Version
2016v3.0
Gross Receipts
$936,276
Mission and Program Overview

Mission

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

Teach individuals and families how to save, spend, invest, borrow, and manage their finances wisely to improve and sustain financial well-being.

Balance Sheet Detail
LineBeginningEndChange
Assets
Savings and Temporary Cash Investments-$928,786-
Cash and Non-Interest-Bearing Accounts$1,681,941$415,076▼ $1,266,865
Pledges and Grants Receivable$6,211$21,634▲ $15,423
Land, Buildings, and Equipment, Net$16,543$12,628▼ $3,915
Prepaid Expenses and Deferred Charges$10,229$4,354▼ $5,875
Accounts Receivable-$655-
Total Assets$1,714,924$1,383,133▼ $331,791
Liabilities
Escrow Account Liability$53,100$46,067▼ $7,033
Accounts Payable and Accrued Expenses$50,325$27,252▼ $23,073
Other Liabilities$4,500--
Total Liabilities$107,925$73,319▼ $34,606
Net Assets / Fund Balance
Temporarily Rstr Net Assets$1,116,183$1,003,257▼ $112,926
Unrestricted Net Assets$490,816$306,557▼ $184,259
Total Net Assets Fund Balance$1,606,999$1,309,814▼ $297,185
Total Liabilities and Net Assets / Fund Balance$1,714,924$1,383,133▼ $331,791

Asset Categories

AssetBook ValueDepreciationBasis
Equipment$12,628$241,280$253,908
Compensation and Service Providers
Top Officer Pay64th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Patsy HalladayCFOFT$78,247$11,864$90,111
Martha WunderliExecutive DiFT$76,101$4,100$80,201

Board Members and Trustees

NameTitle
Adelaide MaudsleyBoard Chair
Gena JonesVice Chair
Carol RuddellBoard Member
Dan AdamsBoard Member
Greg BehrmannBoard Member
Jesse F BohannonBoard Member
Justin HendrixBoard Member
Paula EldredgeBoard Member
Robert N MayerBoard Member
Sue BensonBoard Member
Terry PratchettBoard Member
Revenue and Support

Revenue Composition

Contributions and Grants
$717,106
Program Service Revenue
$170,209
Investment Income
$486
Other Revenue
$40,901
All Other Contributions
$458,708
Change in Net Assets
$-297,185

Audited Revenue Reconciliation

Revenue per Audited Statements
$928,702
Total Revenue per Audited Statements
$928,702
Total Revenue per Form 990
$928,702
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$546,382
Grants and Similar Amounts Paid$366,852
Other Expenses$312,653
Total Fundraising Expense$2,328
Professional Fundraising Fees$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Grants to Domestic Individuals$366,852--$366,852
Other Salaries and Wages$285,346$35,268-$320,614
Current Officers, Directors, Trustees, and Key Employees$151,578$18,734-$170,312
Occupancy$73,749$4,053$427$78,229
Information Technology$35,999$5,454-$41,453
Payroll Taxes$32,490$4,016-$36,506
Fees for Services Accounting$35,886--$35,886
Office Expenses$22,414$89$1,520$24,023
Other Employee Benefits$16,865$2,085-$18,950
Other Expenses$13,742--$13,742
Conferences and Meetings$11,980$103$103$12,186
Fees for Services Other$10,444--$10,444
Travel$10,158--$10,158
Insurance$5,340$169$112$5,621
Depreciation Depletion$4,811$152$101$5,064
All Other Expenses$3,081$97$65$3,243
Fees for Services Legal$266--$266
Total Functional Expenses$1,153,339$70,220$2,328$1,225,887

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$1,225,887
Total Expenses per Audited Statements$1,225,887
Total Expenses per Form 990$1,225,887
Fundraising, Events, and Gaming
Fundraising activities
Yes
Gaming activities
No
Professional fundraiser used
No

Fundraising and Gaming Totals

Line ItemAmount
Fundraising Gross Income$48,475
Fundraising Direct Expenses$7,574
Professional Fundraising Fees$0

Fundraising Events

EventGross ReceiptsGross RevenueDirect ExpensesNet Income
Fundraiser$48,475$48,475-$48,475
Total Events$48,475$48,475$7,574$40,901
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
Yes
Audit committee
Yes
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, Page 6, Part VI, Line 11B

“The board of directors reviews, discusses and approves the 990 prior to issuance.”

Form 990, Page 6, Part VI, Line 12C

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

Form 990, Page 6, Part VI, Line 15A

“The board of directors approves the executive director's compensation as determined by a number of factors.”

Form 990, Page 6, Part VI, Line 15B

“As necessary, the board of directors approves other officer's and key employee's compensation as determined by a number of factors.”

Form 990, Page 6, Part VI, Line 19

“AVAILABLE UPON REQUEST.”

Filing and Contact Details

Filer

Filer Name
Aaa Fair Credit Foundation
EIN
84-1411225
Phone
8014830999
Address
230 WEST 200 SOUTH 3104, SALT LAKE CITY, UT 84101

Signing Officer

Name
Martha Wunderli
Title
Executive Director
Phone
8014830999
Signed
2017-06-26

Organization Details

Principal Officer
Martha Wunderli
Formed
1997
Legal Domicile
Ut
Voting Board Members
11
Independent Board Members
11
Employees
18
Volunteers
15

Preparer

Firm
Larson & Company Pc
Address
9065 SOUTH 1300 EAST, SANDY, UT 84094
Preparer
Richard Scoresby CPA
Phone
8013131900
Supplemental Narrative

Additional Explanations

Form 990, Page 2, Part III, Line 4D

“OTHER ACTIVITIES”

Financial Statement Notes

Schedule D, Page 2, Part IV, Line 2B

“Funds held in trust for clients enrolled in a debt management program.”

Schedule D, Page 3, Part X

“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 2013 and forward.”

Raw XML AppendixShowing 400 of 517 raw XML fields

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

Path#Value
IRS990/AccountantCompileOrReviewInd0false
IRS990/AccountsPayableAccrExpnssGrp/BOYAmt050325
IRS990/AccountsPayableAccrExpnssGrp/EOYAmt027252
IRS990/AccountsReceivableGrp/EOYAmt0655
IRS990/ActivitiesConductedPrtshpInd0false
IRS990/ActivityOrMissionDesc0TEACH INDIVIDUALS AND FAMILIES HOW TO SAVE, SPEND, INVEST, BORROW, AND MANAGE THEIR FINANCES WISELY TO IMPROVE AND SUSTAIN FINANCIAL WELL-BEING.
IRS990/AllOtherContributionsAmt0458708
IRS990/AllOtherExpensesGrp/FundraisingAmt065
IRS990/AllOtherExpensesGrp/ManagementAndGeneralAmt097
IRS990/AllOtherExpensesGrp/ProgramServicesAmt03081
IRS990/AllOtherExpensesGrp/TotalAmt03243
IRS990/AnnualDisclosureCoveredPrsnInd0true
IRS990/AuditCommitteeInd0true
IRS990/BooksInCareOfDetail/PersonNm0MARTHA WUNDERLI
IRS990/BooksInCareOfDetail/PhoneNum08016561610
IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt0230 WEST 200 SOUTH 3104
IRS990/BooksInCareOfDetail/USAddress/CityNm0SALT LAKE CITY
IRS990/BooksInCareOfDetail/USAddress/StateAbbreviationCd0UT
IRS990/BooksInCareOfDetail/USAddress/ZIPCd084101
IRS990/BusinessRlnWithFamMemInd0false
IRS990/BusinessRlnWithOfficerEntInd0false
IRS990/BusinessRlnWithOrgMemInd0false
IRS990/CashNonInterestBearingGrp/BOYAmt01681941
IRS990/CashNonInterestBearingGrp/EOYAmt0415076
IRS990/ChangeToOrgDocumentsInd0false
IRS990/CollectionsOfArtInd0false
IRS990/CompCurrentOfcrDirectorsGrp/ManagementAndGeneralAmt018734
IRS990/CompCurrentOfcrDirectorsGrp/ProgramServicesAmt0151578
IRS990/CompCurrentOfcrDirectorsGrp/TotalAmt0170312
IRS990/CompensationFromOtherSrcsInd0false
IRS990/CompensationProcessCEOInd0true
IRS990/CompensationProcessOtherInd0true
IRS990/ConferencesMeetingsGrp/FundraisingAmt0103
IRS990/ConferencesMeetingsGrp/ManagementAndGeneralAmt0103
IRS990/ConferencesMeetingsGrp/ProgramServicesAmt011980
IRS990/ConferencesMeetingsGrp/TotalAmt012186
IRS990/ConflictOfInterestPolicyInd0true
IRS990/ConservationEasementsInd0false
IRS990/ConsolidatedAuditFinclStmtInd0false
IRS990/CreditCounselingInd0true
IRS990/CYBenefitsPaidToMembersAmt00
IRS990/CYContributionsGrantsAmt0717106
IRS990/CYGrantsAndSimilarPaidAmt0366852
IRS990/CYInvestmentIncomeAmt0486
IRS990/CYOtherExpensesAmt0312653
IRS990/CYOtherRevenueAmt040901
IRS990/CYProgramServiceRevenueAmt0170209
IRS990/CYRevenuesLessExpensesAmt0-297185
IRS990/CYSalariesCompEmpBnftPaidAmt0546382
IRS990/CYTotalExpensesAmt01225887
IRS990/CYTotalFundraisingExpenseAmt02328
IRS990/CYTotalProfFndrsngExpnsAmt00
IRS990/CYTotalRevenueAmt0928702
IRS990/DecisionsSubjectToApprovaInd0false
IRS990/DeductibleArtContributionInd0false
IRS990/DeductibleNonCashContriInd0false
IRS990/DelegationOfMgmtDutiesInd0false
IRS990/DepreciationDepletionGrp/FundraisingAmt0101
IRS990/DepreciationDepletionGrp/ManagementAndGeneralAmt0152
IRS990/DepreciationDepletionGrp/ProgramServicesAmt04811
IRS990/DepreciationDepletionGrp/TotalAmt05064
IRS990/Desc0SAVINGS PROGRAMS - 1) INDIVIDUAL DEVELOPMENT ACCOUNTS MATCH THE SAVINGS OF LOW INCOME WORKING UTAHNS WITH 3 FOR EVERY 1 UP TO 1,500 SAVED TOWARD THE PURCHASE OF A FIRST HOME, SMALL BUSINESS START-UP OR CAPITALIZATION, AN ASSISTIVE TECHNOLOGY FOR WORK RELATED ACTIVITIES AND/OR POST-SECONDARY EDUCATION INCLUDING VOCATIONAL TRAINING. 2) OPPORTUNITY ACCOUNTS (OA) ARE MONITORED SAVINGS ACCOUNTS FOR PEOPLE PARTICIPATING IN FINANCIAL COACHING. OAS CAN BE USED TO PAY DOWN DEBT, SAVE FOR SELF-IDENTIFIED GOAL OR EMERGENCY SAVINGS ACCOUNT. 3) UTAH SAVES IS A CAMPAIGN TO MOTIVATE, SUPPORT, AND ENCOURAGE LOW INCOME UTAHNS TO SAVE, REDUCE DEBT AND BUILD WEALTH.
IRS990/DescribedInSection501c3Ind0true
IRS990/DisregardedEntityInd0false
IRS990/DocumentRetentionPolicyInd0true
IRS990/DonorAdvisedFundInd0false
IRS990/ElectionOfBoardMembersInd0false
IRS990/EmployeeCnt018
IRS990/EmploymentTaxReturnsFiledInd0true
IRS990/EngagedInExcessBenefitTransInd0false
IRS990/EscrowAccountLiabilityGrp/BOYAmt053100
IRS990/EscrowAccountLiabilityGrp/EOYAmt046067
IRS990/ExpenseAmt0519543
IRS990/FamilyOrBusinessRlnInd0false
IRS990/FederalGrantAuditRequiredInd0false
IRS990/FeesForServicesAccountingGrp/ProgramServicesAmt035886
IRS990/FeesForServicesAccountingGrp/TotalAmt035886
IRS990/FeesForServicesLegalGrp/ProgramServicesAmt0266
IRS990/FeesForServicesLegalGrp/TotalAmt0266
IRS990/FeesForServicesOtherGrp/ProgramServicesAmt010444
IRS990/FeesForServicesOtherGrp/TotalAmt010444
IRS990/ForeignActivitiesInd0false
IRS990/ForeignFinancialAccountInd0false
IRS990/ForeignOfficeInd0false
IRS990/Form8282PropertyDisposedOfInd0false
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt01.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt11.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt21.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt31.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt41.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt51.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt61.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt71.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt81.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt91.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt101.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt1144.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt1245.00
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd0X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd1X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd2X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd3X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd4X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd5X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd6X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd7X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd8X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd9X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd10X
IRS990/Form990PartVIISectionAGrp/OfficerInd0X
IRS990/Form990PartVIISectionAGrp/OfficerInd1X
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt00
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt10
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt20
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt30
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt40
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt50
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt60
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt70
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt80
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt90
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt100
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1111864
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt124100
IRS990/Form990PartVIISectionAGrp/PersonNm0ADELAIDE MAUDSLEY
IRS990/Form990PartVIISectionAGrp/PersonNm1GENA JONES
IRS990/Form990PartVIISectionAGrp/PersonNm2DAN ADAMS
IRS990/Form990PartVIISectionAGrp/PersonNm3SUE BENSON
IRS990/Form990PartVIISectionAGrp/PersonNm4PAULA ELDREDGE
IRS990/Form990PartVIISectionAGrp/PersonNm5ROBERT N MAYER
IRS990/Form990PartVIISectionAGrp/PersonNm6TERRY PRATCHETT
IRS990/Form990PartVIISectionAGrp/PersonNm7GREG BEHRMANN
IRS990/Form990PartVIISectionAGrp/PersonNm8JESSE F BOHANNON
IRS990/Form990PartVIISectionAGrp/PersonNm9JUSTIN HENDRIX
IRS990/Form990PartVIISectionAGrp/PersonNm10CAROL RUDDELL
IRS990/Form990PartVIISectionAGrp/PersonNm11PATSY HALLADAY
IRS990/Form990PartVIISectionAGrp/PersonNm12MARTHA WUNDERLI
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt00
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt50
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt60
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt70
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt80
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt90
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt100
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt1178247
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt1276101
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt00
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt50
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt60
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt70
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt80
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt90
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt100
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt110
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt120
IRS990/Form990PartVIISectionAGrp/TitleTxt0BOARD CHAIR
IRS990/Form990PartVIISectionAGrp/TitleTxt1VICE CHAIR
IRS990/Form990PartVIISectionAGrp/TitleTxt2BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt3BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt4BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt5BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt6BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt7BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt8BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt9BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt10BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt11CFO
IRS990/Form990PartVIISectionAGrp/TitleTxt12EXECUTIVE DI
IRS990/Form990ProvidedToGvrnBodyInd0true
IRS990/FormationYr01997
IRS990/FormerOfcrEmployeesListedInd0false
IRS990/FSAuditedBasisGrp/SeparateBasisFinclStmtInd0X
IRS990/FSAuditedInd0true
IRS990/FundraisingActivitiesInd0true
IRS990/FundraisingDirectExpensesAmt07574
IRS990/FundraisingGrossIncomeAmt048475
IRS990/GamingActivitiesInd0false
IRS990/GoverningBodyVotingMembersCnt011
IRS990/GovernmentGrantsAmt0258398
IRS990/GrantAmt0366852
IRS990/GrantsToDomesticIndividualsGrp/ProgramServicesAmt0366852
IRS990/GrantsToDomesticIndividualsGrp/TotalAmt0366852
IRS990/GrantsToIndividualsInd0true
IRS990/GrantsToOrganizationsInd0false
IRS990/GrantToRelatedPersonInd0false
IRS990/GrossReceiptsAmt0936276
IRS990/GroupReturnForAffiliatesInd0false
IRS990/IncludeFIN48FootnoteInd0true
IRS990/IndependentAuditFinclStmtInd0true
IRS990/IndependentVotingMemberCnt011
IRS990/IndoorTanningServicesInd0false
IRS990/InfoInScheduleOPartIIIInd0X
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InformationTechnologyGrp/ManagementAndGeneralAmt05454
IRS990/InformationTechnologyGrp/ProgramServicesAmt035999
IRS990/InformationTechnologyGrp/TotalAmt041453
IRS990/InsuranceGrp/FundraisingAmt0112
IRS990/InsuranceGrp/ManagementAndGeneralAmt0169
IRS990/InsuranceGrp/ProgramServicesAmt05340
IRS990/InsuranceGrp/TotalAmt05621
IRS990/InvestmentIncomeGrp/ExclusionAmt0486
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt0486
IRS990/InvestmentInJointVentureInd0false
IRS990/IRPDocumentCnt02
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt0241280
IRS990/LandBldgEquipBasisNetGrp/BOYAmt016543
IRS990/LandBldgEquipBasisNetGrp/EOYAmt012628
IRS990/LandBldgEquipCostOrOtherBssAmt0253908
IRS990/LegalDomicileStateCd0UT
IRS990/LoanOutstandingInd0false
IRS990/LobbyingActivitiesInd0false
IRS990/LocalChaptersInd0false
IRS990/MaterialDiversionOrMisuseInd0false
IRS990/MembersOrStockholdersInd0false
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd0true
IRS990/MinutesOfGoverningBodyInd0true
IRS990/MissionDesc0TEACH INDIVIDUALS AND FAMILIES HOW TO SAVE, SPEND, INVEST, BORROW, AND MANAGE THEIR FINANCES WISELY TO IMPROVE AND SUSTAIN FINANCIAL WELL-BEING.
IRS990/MoreThan5000KToIndividualsInd0false
IRS990/MoreThan5000KToOrgInd0false
IRS990/NetAssetsOrFundBalancesBOYAmt01606999
IRS990/NetAssetsOrFundBalancesEOYAmt01309814
IRS990/NetIncmFromFundraisingEvtGrp/TotalRevenueColumnAmt040901
IRS990/NondeductibleContributionsInd0false
IRS990/OccupancyGrp/FundraisingAmt0427
IRS990/OccupancyGrp/ManagementAndGeneralAmt04053
IRS990/OccupancyGrp/ProgramServicesAmt073749
IRS990/OccupancyGrp/TotalAmt078229
IRS990/OfficeExpensesGrp/FundraisingAmt01520
IRS990/OfficeExpensesGrp/ManagementAndGeneralAmt089
IRS990/OfficeExpensesGrp/ProgramServicesAmt022414
IRS990/OfficeExpensesGrp/TotalAmt024023
IRS990/OfficerMailingAddressInd0false
IRS990/OperateHospitalInd0false
IRS990/Organization501c3Ind0X
IRS990/OrganizationFollowsSFAS117Ind0X
IRS990/OtherEmployeeBenefitsGrp/ManagementAndGeneralAmt02085
IRS990/OtherEmployeeBenefitsGrp/ProgramServicesAmt016865
IRS990/OtherEmployeeBenefitsGrp/TotalAmt018950
IRS990/OtherExpensesGrp/Desc0COMMUNITY OUTREACH
IRS990/OtherExpensesGrp/Desc1LICENSES AND REGISTRATION
IRS990/OtherExpensesGrp/ProgramServicesAmt072338
IRS990/OtherExpensesGrp/ProgramServicesAmt113742
IRS990/OtherExpensesGrp/TotalAmt072338
IRS990/OtherExpensesGrp/TotalAmt113742
IRS990/OtherLiabilitiesGrp/BOYAmt04500
IRS990/OtherSalariesAndWagesGrp/ManagementAndGeneralAmt035268
IRS990/OtherSalariesAndWagesGrp/ProgramServicesAmt0285346
IRS990/OtherSalariesAndWagesGrp/TotalAmt0320614
IRS990/OtherWebsiteInd0X
IRS990/PartialLiquidationInd0false
IRS990/PayPremiumsPrsnlBnftCntrctInd0false
IRS990/PayrollTaxesGrp/ManagementAndGeneralAmt04016
IRS990/PayrollTaxesGrp/ProgramServicesAmt032490
IRS990/PayrollTaxesGrp/TotalAmt036506
IRS990/PledgesAndGrantsReceivableGrp/BOYAmt06211
IRS990/PledgesAndGrantsReceivableGrp/EOYAmt021634
IRS990/PoliticalCampaignActyInd0false
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt010229
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt04354
IRS990/PrincipalOfficerNm0MARTHA WUNDERLI
IRS990/ProfessionalFundraisingInd0false
IRS990/ProgramServiceRevenueGrp/Desc0PROGRAM SERVICE FEES
IRS990/ProgramServiceRevenueGrp/Desc1PUBLICATION SALES
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt0168061
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt12148
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt0168061
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt12148
IRS990/ProgSrvcAccomActy2Grp/Desc0FINANCIAL COUNSELING AND EDUCATION - FREE INDIVIDUAL STRENGTH-BASED FINANCIAL COUNSELING HELPS CONSUMERS BUILD AND IMPROVE LONG-TERM FINANCIAL STABILITY. SERVICES INCLUDE: ANALYSIS OF CREDIT WORTHINESS AND SPENDING HABITS; CREATION OF A BUDGET/SPENDING PLAN; DEBT MANAGEMENT; WISE USES OF CREDIT AND CONSUMER INFORMATION.
IRS990/ProgSrvcAccomActy2Grp/ExpenseAmt0428273
IRS990/ProgSrvcAccomActy2Grp/RevenueAmt083413
IRS990/ProgSrvcAccomActy3Grp/Desc0HUD CERTIFIED HOUSING- PRE-PURCHASE AND HOME EQUITY CONVERSION MORTGAGE COUNSELING (REVERSE MORTGAGE COUNSELING.)
IRS990/ProgSrvcAccomActy3Grp/ExpenseAmt092822
IRS990/ProgSrvcAccomActy3Grp/RevenueAmt018205
IRS990/ProgSrvcAccomActyOtherGrp/Desc0OTHER ACTIVITIES
IRS990/ProgSrvcAccomActyOtherGrp/ExpenseAmt0112701
IRS990/ProgSrvcAccomActyOtherGrp/RevenueAmt065956
IRS990/ProhibitedTaxShelterTransInd0false
IRS990/PYContributionsGrantsAmt0861764
IRS990/PYExcessBenefitTransInd0false
IRS990/PYGrantsAndSimilarPaidAmt0422240
IRS990/PYInvestmentIncomeAmt0380
IRS990/PYOtherExpensesAmt0320420
IRS990/PYProgramServiceRevenueAmt0231660
IRS990/PYRevenuesLessExpensesAmt0-229439
IRS990/PYSalariesCompEmpBnftPaidAmt0580583
IRS990/PYTotalExpensesAmt01323243
IRS990/PYTotalRevenueAmt01093804
IRS990/QuidProQuoContributionsInd0false
IRS990/RcvFndsToPayPrsnlBnftCntrctInd0false
IRS990/ReconcilationRevenueExpnssAmt0-297185
IRS990/RegularMonitoringEnfrcInd0true
IRS990/RelatedEntityInd0false
IRS990/RelatedOrganizationCtrlEntInd0false
IRS990/ReportInvestmentsOtherSecInd0false
IRS990/ReportLandBuildingEquipmentInd0true
IRS990/ReportOtherAssetsInd0false
IRS990/ReportOtherLiabilitiesInd0false
IRS990/ReportProgramRelatedInvstInd0false
IRS990/RevenueAmt02635
IRS990/SavingsAndTempCashInvstGrp/EOYAmt0928786
IRS990ScheduleA/Form990ScheduleAPartVIGrp/ExplanationTxt062,725
IRS990ScheduleA/Form990ScheduleAPartVIGrp/FormAndLineReferenceDesc0PART III, LINE 12
IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/CurrentTaxYearAmt0717106
IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/CurrentTaxYearMinus1YearAmt0861764
IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/CurrentTaxYearMinus2YearsAmt0951156
IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/CurrentTaxYearMinus3YearsAmt0984268
IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/CurrentTaxYearMinus4YearsAmt01062215
IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/TotalAmt04576509
IRS990ScheduleA/GrossInvestmentIncome509Grp/CurrentTaxYearAmt0486
IRS990ScheduleA/GrossInvestmentIncome509Grp/CurrentTaxYearMinus1YearAmt0380
IRS990ScheduleA/GrossInvestmentIncome509Grp/CurrentTaxYearMinus2YearsAmt01164
IRS990ScheduleA/GrossInvestmentIncome509Grp/CurrentTaxYearMinus3YearsAmt0855
IRS990ScheduleA/GrossInvestmentIncome509Grp/CurrentTaxYearMinus4YearsAmt0872
IRS990ScheduleA/GrossInvestmentIncome509Grp/TotalAmt03757
IRS990ScheduleA/GrossReceiptsAdmissionsGrp/CurrentTaxYearAmt0218684
IRS990ScheduleA/GrossReceiptsAdmissionsGrp/CurrentTaxYearMinus1YearAmt0231661
IRS990ScheduleA/GrossReceiptsAdmissionsGrp/CurrentTaxYearMinus2YearsAmt0315391
IRS990ScheduleA/GrossReceiptsAdmissionsGrp/CurrentTaxYearMinus3YearsAmt0388249
IRS990ScheduleA/GrossReceiptsAdmissionsGrp/CurrentTaxYearMinus4YearsAmt0439206
IRS990ScheduleA/GrossReceiptsAdmissionsGrp/TotalAmt01593191
IRS990ScheduleA/InvestmentIncomeAndUBTIGrp/CurrentTaxYearAmt0486
IRS990ScheduleA/InvestmentIncomeAndUBTIGrp/CurrentTaxYearMinus1YearAmt0380
IRS990ScheduleA/InvestmentIncomeAndUBTIGrp/CurrentTaxYearMinus2YearsAmt01164
IRS990ScheduleA/InvestmentIncomeAndUBTIGrp/CurrentTaxYearMinus3YearsAmt0855
IRS990ScheduleA/InvestmentIncomeAndUBTIGrp/CurrentTaxYearMinus4YearsAmt0872
IRS990ScheduleA/InvestmentIncomeAndUBTIGrp/TotalAmt03757
IRS990ScheduleA/InvestmentIncomeCYPct00.00000
IRS990ScheduleA/InvestmentIncomePYPct00.00000
IRS990ScheduleA/OtherIncome509Grp/CurrentTaxYearMinus1YearAmt0151
IRS990ScheduleA/OtherIncome509Grp/CurrentTaxYearMinus2YearsAmt050511
IRS990ScheduleA/OtherIncome509Grp/CurrentTaxYearMinus3YearsAmt0213
IRS990ScheduleA/OtherIncome509Grp/CurrentTaxYearMinus4YearsAmt011850
IRS990ScheduleA/OtherIncome509Grp/TotalAmt062725
IRS990ScheduleA/PubliclySupportedOrg509a2Ind0X
IRS990ScheduleA/PublicSupportCY509Pct00.98930
IRS990ScheduleA/PublicSupportPY509Pct00.98640
IRS990ScheduleA/PublicSupportTotal509Amt06169700
IRS990ScheduleA/ThirtyThrPctSuprtTestsCY509Ind0X
IRS990ScheduleA/Total509Grp/CurrentTaxYearAmt0935790
IRS990ScheduleA/Total509Grp/CurrentTaxYearMinus1YearAmt01093425
IRS990ScheduleA/Total509Grp/CurrentTaxYearMinus2YearsAmt01266547
IRS990ScheduleA/Total509Grp/CurrentTaxYearMinus3YearsAmt01372517
IRS990ScheduleA/Total509Grp/CurrentTaxYearMinus4YearsAmt01501421
IRS990ScheduleA/Total509Grp/TotalAmt06169700
IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearAmt0936276
IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearMinus1YearAmt01093956
IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearMinus2YearsAmt01318222
IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearMinus3YearsAmt01373585
IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearMinus4YearsAmt01514143
IRS990ScheduleA/TotalSupportCalendarYearGrp/TotalAmt06236182
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/ScheduleBRequiredInd0true
IRS990ScheduleD/AgentTrusteeEtcInd0false
IRS990ScheduleD/EquipmentGrp/BookValueAmt012628
IRS990ScheduleD/EquipmentGrp/DepreciationAmt0241280
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt0253908
IRS990ScheduleD/ExpensesSubtotalAmt01225887
IRS990ScheduleD/ExplanationProvidedInd0X
IRS990ScheduleD/FootnoteTextInd0X
IRS990ScheduleD/InclEscrowCustodialAcctLiabInd0true
IRS990ScheduleD/RevenueSubtotalAmt0928702
IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt0FUNDS HELD IN TRUST FOR CLIENTS ENROLLED IN A DEBT MANAGEMENT PROGRAM.
IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt1ASC 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 2013 AND FORWARD.
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc0SCHEDULE D, PAGE 2, PART IV, LINE 2B
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc1SCHEDULE D, PAGE 3, PART X
IRS990ScheduleD/TotalBookValueLandBuildingsAmt012628
IRS990ScheduleD/TotalExpensesPerForm990Amt01225887
IRS990ScheduleD/TotalRevenuePerForm990Amt0928702
IRS990ScheduleD/TotalRevEtcAuditedFinclStmtAmt0928702
IRS990ScheduleD/TotExpnsEtcAuditedFinclStmtAmt01225887
IRS990ScheduleG/FundraisingEventInformationGrp/DirectExpenseSummaryEventsAmt07574
IRS990ScheduleG/FundraisingEventInformationGrp/Event1Nm0FUNDRAISER
IRS990ScheduleG/FundraisingEventInformationGrp/FoodAndBeverageEvent1Amt07574
IRS990ScheduleG/FundraisingEventInformationGrp/FoodAndBeverageTotalEventsAmt07574
IRS990ScheduleG/FundraisingEventInformationGrp/GrossReceiptsEvent1Amt048475
IRS990ScheduleG/FundraisingEventInformationGrp/GrossReceiptsTotalAmt048475
IRS990ScheduleG/FundraisingEventInformationGrp/GrossRevenueEvent1Amt048475
IRS990ScheduleG/FundraisingEventInformationGrp/GrossRevenueTotalEventsAmt048475
IRS990ScheduleG/FundraisingEventInformationGrp/NetIncomeSummaryAmt040901
IRS990ScheduleI/GrantRecordsMaintainedInd0true
IRS990ScheduleI/GrantsOtherAsstToIndivInUSGrp/CashGrantAmt071240
IRS990ScheduleI/GrantsOtherAsstToIndivInUSGrp/CashGrantAmt1173217
IRS990ScheduleI/GrantsOtherAsstToIndivInUSGrp/CashGrantAmt2122395

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

2016 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$1,383,133
Liabilities
$73,319
Net assets
$1,309,814
Revenue
$928,702
Expenses
$1,225,887
Net income
-$297,185
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