Civic Intelligence

Aaa Fair Credit Foundation

990 • Fiscal year 2019 • EIN 84-1411225

Jan 01, 2019 to Dec 31, 2019 • Filed on Jul 20, 2020

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

58th percentile

0.06x

Higher debt load relative to assets than 58% of similar nonprofits.

2019 filings • 501(c)3 • $500k-$1M nonprofits • Source year 2019

Liabilities / Revenue

67th percentile

0.10x

Higher debt load relative to revenue than 67% of similar nonprofits.

2019 filings • 501(c)3 • $500k-$1M nonprofits • Source year 2019

Net Margin

12th percentile

-23%

Higher net margin than 12% of similar nonprofits.

2019 filings • 501(c)3 • $500k-$1M nonprofits • Source year 2019

Top Officer Pay

79th percentile

$75,000

Higher top officer pay than 79% of similar nonprofits.

Top officer pay equals 12.5% of source-year revenue.

2019 filings • 501(c)3 • $500k-$1M nonprofits • Source year 2019

Asset Growth

14th percentile

-12%

Faster asset growth than 14% of similar nonprofits.

2019 filings • 501(c)3 • $500k-$1M nonprofits • Annualized from 2018 to 2019

Revenue Growth

10th percentile

-31%

Faster revenue growth than 10% of similar nonprofits.

2019 filings • 501(c)3 • $500k-$1M nonprofits • Annualized from 2018 to 2019

Balance Sheet
Liabilities / Assets58th percentile

Assets

Down

$978,814

Down $132,022 (-12%) from 2018

Net Assets

Down

$920,092

Down $134,951 (-13%) from 2018

Liabilities

Up

$58,722

Up $2,929 (+5.2%) from 2018

Revenue And Expenses
Liabilities / Revenue67th percentileNet Margin12th percentile

Revenue

Down

$598,988

Down $271,073 (-31%) from 2018

Expenses

Down

$733,939

Down $221,642 (-23%) from 2018

Net Income

Down

-$134,951

Down $49,431 (-58%) from 2018

Historical Trend

Balance Sheet Trend

Asset Growth14th 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

2019

Assets$978,814
Liabilities$58,722
Net Assets$920,092
Open 2019 Filing

Operations Trend

Revenue Growth10th 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

2019

Revenue$598,988
Expenses$733,939
Net Income-$134,951
Open 2019 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2019 to Dec 31, 2019
Signed
Jul 20, 2020
Return Version
2019v5.0
Gross Receipts
$598,988
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$712,069$623,213▼ $88,856
Cash and Non-Interest-Bearing Accounts$357,905$320,475▼ $37,430
Pledges and Grants Receivable$20,067$17,012▼ $3,055
Prepaid Expenses and Deferred Charges$8,217$11,827▲ $3,610
Land, Buildings, and Equipment, Net$12,578$6,287▼ $6,291
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$1,110,836$978,814▼ $132,022
Other Assets Total-$0-
Liabilities
Escrow Account Liability$25,552$30,488▲ $4,936
Accounts Payable and Accrued Expenses$23,452$24,840▲ $1,388
Deferred Revenue$6,789$3,394▼ $3,395
Total Liabilities$55,793$58,722▲ $2,929
Net Assets / Fund Balance
Net Assets With Donor Restrictions$686,517$592,725▼ $93,792
Net Assets Without Donor Restrictions$368,526$327,367▼ $41,159
Total Net Assets Fund Balance$1,055,043$920,092▼ $134,951
Total Liabilities and Net Assets / Fund Balance$1,110,836$978,814▼ $132,022

Asset Categories

AssetBook ValueDepreciationBasis
Equipment$6,287$156,867-
Compensation and Service Providers
Top Officer Pay79th percentile

Employees

NameTitleFull / Part TimeBaseTotal
Martha WunderliExecutive DirectorFT$75,000$75,000

Board Members and Trustees

NameTitle
Greg BehrmannChairman
Jenny Allen RyanVice President
Cameron BishopTrustee
Cassie AlveyTrustee
Glenn HerzbergTrustee
Jory L Trease EsqTrustee
Paul R ThomsenTrustee
Ptoshia K MerrillsTrustee
Stephen FitzpatrickTrustee
Tricia SchumannTrustee
Matthew BallardSecretary
Nathan CluffTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$502,478
Program Service Revenue
$94,061
Investment Income
$2,449
Other Revenue
$0
All Other Contributions
$502,478
Change in Net Assets
$-134,951

Audited Revenue Reconciliation

Revenue per Audited Statements
$598,988
Total Revenue per Audited Statements
$598,988
Total Revenue per Form 990
$598,988
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$430,238
Other Expenses$167,685
Grants and Similar Amounts Paid$136,016
Total Fundraising Expense$11,582
Professional Fundraising Fees$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages$293,092$3,039$4,239$300,370
Grants to Domestic Individuals$136,016--$136,016
Current Officers, Directors, Trustees, and Key Employees$62,235$9,217$3,548$75,000
Fees for Services Legal$64,217$455$939$65,611
Occupancy$38,555$660$920$40,135
Payroll Taxes$26,678$932$603$28,213
Other Employee Benefits$25,803$315$537$26,655
Office Expenses$10,387$145$168$10,700
Travel$6,404-$109$6,513
Depreciation Depletion$6,043$99$149$6,291
Other Expenses$4,811$21$117$4,832
Insurance$3,975$8$207$4,190
All Other Expenses$2,659$60$46$2,765
Total Functional Expenses$707,255$15,102$11,582$733,939

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$733,939
Total Expenses per Audited Statements$733,939
Total Expenses per Form 990$733,939
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
Audit committee
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
8014830999
Address
230 WEST 200 SOUTH 3104, SALT LAKE CITY, UT 84101

Signing Officer

Name
Ellen Billie
Title
Executive Director
Signed
2020-07-20
Discuss with paid preparer
Yes

Organization Details

Formed
1997
Legal Domicile
Ut
Voting Board Members
13
Independent Board Members
9
Employees
18
Volunteers
3

Preparer

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

Additional Explanations

Form 990, Part III, Line 4D: Other Program Services Description

“Other program services 4: other program services”

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 2014 and forward.”

Raw XML AppendixShowing 400 of 547 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/BOYAmt023452
IRS990/AccountsPayableAccrExpnssGrp/EOYAmt024840
IRS990/AccountsReceivableGrp/EOYAmt00
IRS990/ActivitiesConductedPrtshpInd0false
IRS990/ActivityOrMissionDesc0TEACH INDIVIDUALS AND FAMILIES HOW TO MANAGE THEIR FINANCES WISELY TO IMPROVE AND SUSTAIN FINANCIAL WELL-BEING
IRS990/AdvertisingGrp/TotalAmt00
IRS990/AllOtherContributionsAmt0502478
IRS990/AllOtherExpensesGrp/FundraisingAmt046
IRS990/AllOtherExpensesGrp/ManagementAndGeneralAmt060
IRS990/AllOtherExpensesGrp/ProgramServicesAmt02659
IRS990/AllOtherExpensesGrp/TotalAmt02765
IRS990/AnnualDisclosureCoveredPrsnInd0true
IRS990/AuditCommitteeInd0true
IRS990/BackupWthldComplianceInd0false
IRS990/BenefitsToMembersGrp/TotalAmt00
IRS990/BooksInCareOfDetail/PersonNm0THE ORGANIZATION
IRS990/BooksInCareOfDetail/PhoneNum08014830999
IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt0230 WEST 200 SOUTH 3104
IRS990/BooksInCareOfDetail/USAddress/CityNm0SALT LAKE CITY
IRS990/BooksInCareOfDetail/USAddress/StateAbbreviationCd0UT
IRS990/BooksInCareOfDetail/USAddress/ZIPCd084101
IRS990/BusinessRlnWith35CtrlEntInd0false
IRS990/BusinessRlnWithFamMemInd0false
IRS990/BusinessRlnWithOrgMemInd0false
IRS990/CashNonInterestBearingGrp/BOYAmt0357905
IRS990/CashNonInterestBearingGrp/EOYAmt0320475
IRS990/ChangeToOrgDocumentsInd0false
IRS990/CntrctRcvdGreaterThan100KCnt00
IRS990/CollectionsOfArtInd0false
IRS990/CompCurrentOfcrDirectorsGrp/FundraisingAmt03548
IRS990/CompCurrentOfcrDirectorsGrp/ManagementAndGeneralAmt09217
IRS990/CompCurrentOfcrDirectorsGrp/ProgramServicesAmt062235
IRS990/CompCurrentOfcrDirectorsGrp/TotalAmt075000
IRS990/CompDisqualPersonsGrp/TotalAmt00
IRS990/CompensationFromOtherSrcsInd0false
IRS990/CompensationProcessCEOInd0true
IRS990/CompensationProcessOtherInd0false
IRS990/ConferencesMeetingsGrp/TotalAmt00
IRS990/ConflictOfInterestPolicyInd0true
IRS990/ConservationEasementsInd0false
IRS990/ConsolidatedAuditFinclStmtInd0false
IRS990/CreditCounselingInd0true
IRS990/CYBenefitsPaidToMembersAmt00
IRS990/CYContributionsGrantsAmt0502478
IRS990/CYGrantsAndSimilarPaidAmt0136016
IRS990/CYInvestmentIncomeAmt02449
IRS990/CYOtherExpensesAmt0167685
IRS990/CYOtherRevenueAmt00
IRS990/CYProgramServiceRevenueAmt094061
IRS990/CYRevenuesLessExpensesAmt0-134951
IRS990/CYSalariesCompEmpBnftPaidAmt0430238
IRS990/CYTotalExpensesAmt0733939
IRS990/CYTotalFundraisingExpenseAmt011582
IRS990/CYTotalProfFndrsngExpnsAmt00
IRS990/CYTotalRevenueAmt0598988
IRS990/DecisionsSubjectToApprovaInd0false
IRS990/DeductibleArtContributionInd0false
IRS990/DeductibleNonCashContriInd0false
IRS990/DeferredRevenueGrp/BOYAmt06789
IRS990/DeferredRevenueGrp/EOYAmt03394
IRS990/DelegationOfMgmtDutiesInd0false
IRS990/DepreciationDepletionGrp/FundraisingAmt0149
IRS990/DepreciationDepletionGrp/ManagementAndGeneralAmt099
IRS990/DepreciationDepletionGrp/ProgramServicesAmt06043
IRS990/DepreciationDepletionGrp/TotalAmt06291
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 ARE MONITORED SAVINGS ACCOUNTS FOR PEOPLE PARTICIPATING IN FINANCIAL COACHING. THEY CAN BE USED TO PAY DOWN DEBT, SAVE FOR SELF-IDENTIFIED GOALS 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/DonorRestrictionNetAssetsGrp/BOYAmt0686517
IRS990/DonorRestrictionNetAssetsGrp/EOYAmt0592725
IRS990/DonorRstrOrQuasiEndowmentsInd0false
IRS990/ElectionOfBoardMembersInd0false
IRS990/EmployeeCnt018
IRS990/EmploymentTaxReturnsFiledInd0true
IRS990/EngagedInExcessBenefitTransInd0false
IRS990/EscrowAccountLiabilityGrp/BOYAmt025552
IRS990/EscrowAccountLiabilityGrp/EOYAmt030488
IRS990/ExpenseAmt0422344
IRS990/FamilyOrBusinessRlnInd0false
IRS990/FederalGrantAuditRequiredInd0false
IRS990/FeesForServicesAccountingGrp/TotalAmt00
IRS990/FeesForServicesLegalGrp/FundraisingAmt0939
IRS990/FeesForServicesLegalGrp/ManagementAndGeneralAmt0455
IRS990/FeesForServicesLegalGrp/ProgramServicesAmt064217
IRS990/FeesForServicesLegalGrp/TotalAmt065611
IRS990/FeesForServicesLobbyingGrp/TotalAmt00
IRS990/FeesForServicesManagementGrp/TotalAmt00
IRS990/FeesForServicesOtherGrp/TotalAmt00
IRS990/FeesForServicesProfFundraising/TotalAmt00
IRS990/FeesForSrvcInvstMgmntFeesGrp/TotalAmt00
IRS990/ForeignActivitiesInd0false
IRS990/ForeignFinancialAccountInd0false
IRS990/ForeignGrantsGrp/TotalAmt00
IRS990/ForeignOfficeInd0false
IRS990/Form1098CFiledInd0false
IRS990/Form8282FiledCnt00
IRS990/Form8282PropertyDisposedOfInd0false
IRS990/Form8899Filedind0false
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt00.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt10.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt20.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt30.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt40.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt50.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt60.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt70.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt80.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt90.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt100.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt110.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt120.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt045.00
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/AverageHoursPerWeekRt111.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt121.00
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/IndividualTrusteeOrDirectorInd11X
IRS990/Form990PartVIISectionAGrp/OfficerInd0X
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/OtherCompensationAmt110
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt120
IRS990/Form990PartVIISectionAGrp/PersonNm0MARTHA WUNDERLI
IRS990/Form990PartVIISectionAGrp/PersonNm1GREG BEHRMANN
IRS990/Form990PartVIISectionAGrp/PersonNm2JORY L TREASE ESQ
IRS990/Form990PartVIISectionAGrp/PersonNm3MATTHEW BALLARD
IRS990/Form990PartVIISectionAGrp/PersonNm4NATHAN CLUFF
IRS990/Form990PartVIISectionAGrp/PersonNm5PTOSHIA K MERRILLS
IRS990/Form990PartVIISectionAGrp/PersonNm6JENNY ALLEN RYAN
IRS990/Form990PartVIISectionAGrp/PersonNm7TRICIA SCHUMANN
IRS990/Form990PartVIISectionAGrp/PersonNm8PAUL R THOMSEN
IRS990/Form990PartVIISectionAGrp/PersonNm9CASSIE ALVEY
IRS990/Form990PartVIISectionAGrp/PersonNm10CAMERON BISHOP
IRS990/Form990PartVIISectionAGrp/PersonNm11STEPHEN FITZPATRICK
IRS990/Form990PartVIISectionAGrp/PersonNm12GLENN HERZBERG
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt075000
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/ReportableCompFromOrgAmt110
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt120
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/TitleTxt0Executive Dir.
IRS990/Form990PartVIISectionAGrp/TitleTxt1Chairman
IRS990/Form990PartVIISectionAGrp/TitleTxt2Trustee
IRS990/Form990PartVIISectionAGrp/TitleTxt3Secretary
IRS990/Form990PartVIISectionAGrp/TitleTxt4Treasurer
IRS990/Form990PartVIISectionAGrp/TitleTxt5Trustee
IRS990/Form990PartVIISectionAGrp/TitleTxt6Vice President
IRS990/Form990PartVIISectionAGrp/TitleTxt7Trustee
IRS990/Form990PartVIISectionAGrp/TitleTxt8Trustee
IRS990/Form990PartVIISectionAGrp/TitleTxt9Trustee
IRS990/Form990PartVIISectionAGrp/TitleTxt10Trustee
IRS990/Form990PartVIISectionAGrp/TitleTxt11Trustee
IRS990/Form990PartVIISectionAGrp/TitleTxt12Trustee
IRS990/Form990ProvidedToGvrnBodyInd0true
IRS990/FormationYr01997
IRS990/FormerOfcrEmployeesListedInd0false
IRS990/FSAuditedBasisGrp/SeparateBasisFinclStmtInd0X
IRS990/FSAuditedInd0true
IRS990/FundraisingActivitiesInd0false
IRS990/GamingActivitiesInd0false
IRS990/GoverningBodyVotingMembersCnt013
IRS990/GrantsToDomesticIndividualsGrp/ProgramServicesAmt0136016
IRS990/GrantsToDomesticIndividualsGrp/TotalAmt0136016
IRS990/GrantsToDomesticOrgsGrp/TotalAmt00
IRS990/GrantsToIndividualsInd0true
IRS990/GrantsToOrganizationsInd0false
IRS990/GrantToRelatedPersonInd0false
IRS990/GrossReceiptsAmt0598988
IRS990/GroupReturnForAffiliatesInd0false
IRS990/IncludeFIN48FootnoteInd0true
IRS990/IncmFromInvestBondProceedsGrp/TotalRevenueColumnAmt00
IRS990/IndependentAuditFinclStmtInd0false
IRS990/IndependentVotingMemberCnt09
IRS990/IndivRcvdGreaterThan100KCnt00
IRS990/IndoorTanningServicesInd0false
IRS990/InfoInScheduleOPartIIIInd0X
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InformationTechnologyGrp/TotalAmt00
IRS990/InsuranceGrp/FundraisingAmt0207
IRS990/InsuranceGrp/ManagementAndGeneralAmt08
IRS990/InsuranceGrp/ProgramServicesAmt03975
IRS990/InsuranceGrp/TotalAmt04190
IRS990/IntangibleAssetsGrp/EOYAmt00
IRS990/InterestGrp/TotalAmt00
IRS990/InventoriesForSaleOrUseGrp/EOYAmt00
IRS990/InvestmentIncomeGrp/ExclusionAmt02449
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt02449
IRS990/InvestmentInJointVentureInd0false
IRS990/InvestmentsOtherSecuritiesGrp/EOYAmt00
IRS990/InvestmentsProgramRelatedGrp/EOYAmt00
IRS990/InvestmentsPubTradedSecGrp/EOYAmt00
IRS990/IRPDocumentCnt00
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt0156867
IRS990/LandBldgEquipBasisNetGrp/BOYAmt012578
IRS990/LandBldgEquipBasisNetGrp/EOYAmt06287
IRS990/LandBldgEquipCostOrOtherBssAmt0163154
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 MANAGE THEIR FINANCES WISELY TO IMPROVE AND SUSTAIN FINANCIAL WELL-BEING
IRS990/MoreThan5000KToIndividualsInd0false
IRS990/MoreThan5000KToOrgInd0false
IRS990/NetAssetsOrFundBalancesBOYAmt01055043
IRS990/NetAssetsOrFundBalancesEOYAmt0920092
IRS990/NetGainOrLossInvestmentsGrp/TotalRevenueColumnAmt00
IRS990/NetIncmFromFundraisingEvtGrp/TotalRevenueColumnAmt00
IRS990/NetIncomeFromGamingGrp/TotalRevenueColumnAmt00
IRS990/NetIncomeOrLossGrp/TotalRevenueColumnAmt00
IRS990/NetRentalIncomeOrLossGrp/TotalRevenueColumnAmt00
IRS990/NoDonorRestrictionNetAssetsGrp/BOYAmt0368526
IRS990/NoDonorRestrictionNetAssetsGrp/EOYAmt0327367
IRS990/NondeductibleContributionsInd0false
IRS990/OccupancyGrp/FundraisingAmt0920
IRS990/OccupancyGrp/ManagementAndGeneralAmt0660
IRS990/OccupancyGrp/ProgramServicesAmt038555
IRS990/OccupancyGrp/TotalAmt040135
IRS990/OfficeExpensesGrp/FundraisingAmt0168
IRS990/OfficeExpensesGrp/ManagementAndGeneralAmt0145
IRS990/OfficeExpensesGrp/ProgramServicesAmt010387
IRS990/OfficeExpensesGrp/TotalAmt010700
IRS990/OfficerMailingAddressInd0false
IRS990/OperateHospitalInd0false
IRS990/Organization501c3Ind0X
IRS990/OrganizationFollowsFASB117Ind0X
IRS990/OtherAssetsTotalGrp/EOYAmt00
IRS990/OtherEmployeeBenefitsGrp/FundraisingAmt0537
IRS990/OtherEmployeeBenefitsGrp/ManagementAndGeneralAmt0315
IRS990/OtherEmployeeBenefitsGrp/ProgramServicesAmt025803
IRS990/OtherEmployeeBenefitsGrp/TotalAmt026655
IRS990/OtherExpensesGrp/Desc0LICENSES AND REGISTRATIONS
IRS990/OtherExpensesGrp/Desc1BANK CHARGES
IRS990/OtherExpensesGrp/Desc2MEALS, VENUE, AND SUPPLIES
IRS990/OtherExpensesGrp/Desc3Printing and Publications
IRS990/OtherExpensesGrp/FundraisingAmt0117
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt0151
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt121
IRS990/OtherExpensesGrp/ProgramServicesAmt011168
IRS990/OtherExpensesGrp/ProgramServicesAmt19730
IRS990/OtherExpensesGrp/ProgramServicesAmt25482
IRS990/OtherExpensesGrp/ProgramServicesAmt34811
IRS990/OtherExpensesGrp/TotalAmt011168
IRS990/OtherExpensesGrp/TotalAmt19730
IRS990/OtherExpensesGrp/TotalAmt25750
IRS990/OtherExpensesGrp/TotalAmt34832
IRS990/OtherRevenueTotalAmt00
IRS990/OtherSalariesAndWagesGrp/FundraisingAmt04239
IRS990/OtherSalariesAndWagesGrp/ManagementAndGeneralAmt03039
IRS990/OtherSalariesAndWagesGrp/ProgramServicesAmt0293092
IRS990/OtherSalariesAndWagesGrp/TotalAmt0300370
IRS990/OtherWebsiteInd0X
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt00
IRS990/PartialLiquidationInd0false
IRS990/PaymentsToAffiliatesGrp/TotalAmt00
IRS990/PayPremiumsPrsnlBnftCntrctInd0false
IRS990/PayrollTaxesGrp/FundraisingAmt0603
IRS990/PayrollTaxesGrp/ManagementAndGeneralAmt0932
IRS990/PayrollTaxesGrp/ProgramServicesAmt026678
IRS990/PayrollTaxesGrp/TotalAmt028213
IRS990/PensionPlanContributionsGrp/TotalAmt00
IRS990/PledgesAndGrantsReceivableGrp/BOYAmt020067
IRS990/PledgesAndGrantsReceivableGrp/EOYAmt017012
IRS990/PoliticalCampaignActyInd0false
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt08217
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt011827
IRS990/ProfessionalFundraisingInd0false
IRS990/ProgramServiceRevenueGrp/Desc0PROGRAM SERVICE FEES
IRS990/ProgramServiceRevenueGrp/ExclusionAmt094061
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt094061
IRS990/ProgSrvcAccomActy2Grp/Desc0FINANCIAL COACHING AND EDUCATION - FREE INDIVIDUAL STRENGTH-BASED FINANCIAL COACHING 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/ExpenseAmt0183082
IRS990/ProgSrvcAccomActy3Grp/Desc0COMMUNITY EDUCATION- FINANCIAL COURSES TAUGHT IN A GROUP SETTING TO INCREASE UNDERSTANDING OF PERSONAL FINANCIAL MANAGEMENT.
IRS990/ProgSrvcAccomActy3Grp/ExpenseAmt070840
IRS990/ProhibitedTaxShelterTransInd0false
IRS990/PYContributionsGrantsAmt0765693
IRS990/PYExcessBenefitTransInd0false
IRS990/PYGrantsAndSimilarPaidAmt0343248
IRS990/PYInvestmentIncomeAmt01690
IRS990/PymtTravelEntrtnmntPubOfclGrp/TotalAmt00
IRS990/PYOtherExpensesAmt0195040
IRS990/PYProgramServiceRevenueAmt0102678
IRS990/PYRevenuesLessExpensesAmt0-85520
IRS990/PYSalariesCompEmpBnftPaidAmt0417293
IRS990/PYTotalExpensesAmt0955581
IRS990/PYTotalRevenueAmt0870061
IRS990/QuidProQuoContributionsInd0false
IRS990/RcvblFromDisqualifiedPrsnGrp/EOYAmt00
IRS990/RcvFndsToPayPrsnlBnftCntrctInd0false
IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt00
IRS990/ReconcilationRevenueExpnssAmt0-134951
IRS990/RegularMonitoringEnfrcInd0true
IRS990/RelatedEntityInd0false
IRS990/RelatedOrganizationCtrlEntInd0false
IRS990/ReportInvestmentsOtherSecInd0false
IRS990/ReportLandBuildingEquipmentInd0true
IRS990/ReportOtherAssetsInd0false
IRS990/ReportOtherLiabilitiesInd0false
IRS990/ReportProgramRelatedInvstInd0false
IRS990/RoyaltiesGrp/TotalAmt00
IRS990/RoyaltiesRevenueGrp/TotalRevenueColumnAmt00
IRS990/SavingsAndTempCashInvstGrp/BOYAmt0712069
IRS990/SavingsAndTempCashInvstGrp/EOYAmt0623213
IRS990ScheduleA/AmountsRcvdDsqlfyPersonGrp/TotalAmt00
IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/CurrentTaxYearAmt0502478
IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/CurrentTaxYearMinus1YearAmt0765693
IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/CurrentTaxYearMinus2YearsAmt0765607
IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/CurrentTaxYearMinus3YearsAmt0717106
IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/CurrentTaxYearMinus4YearsAmt0861764
IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/TotalAmt03612648
IRS990ScheduleA/GovtFurnSrvcFcltsVl509Grp/TotalAmt00
IRS990ScheduleA/GrossInvestmentIncome509Grp/CurrentTaxYearAmt02449
IRS990ScheduleA/GrossInvestmentIncome509Grp/CurrentTaxYearMinus1YearAmt01690
IRS990ScheduleA/GrossInvestmentIncome509Grp/CurrentTaxYearMinus2YearsAmt0463
IRS990ScheduleA/GrossInvestmentIncome509Grp/CurrentTaxYearMinus3YearsAmt0486
IRS990ScheduleA/GrossInvestmentIncome509Grp/CurrentTaxYearMinus4YearsAmt0380
IRS990ScheduleA/GrossInvestmentIncome509Grp/TotalAmt05468
IRS990ScheduleA/GrossReceiptsAdmissionsGrp/CurrentTaxYearAmt094061
IRS990ScheduleA/GrossReceiptsAdmissionsGrp/CurrentTaxYearMinus1YearAmt0102678
IRS990ScheduleA/GrossReceiptsAdmissionsGrp/CurrentTaxYearMinus2YearsAmt0123895
IRS990ScheduleA/GrossReceiptsAdmissionsGrp/CurrentTaxYearMinus3YearsAmt0218684
IRS990ScheduleA/GrossReceiptsAdmissionsGrp/CurrentTaxYearMinus4YearsAmt0231661
IRS990ScheduleA/GrossReceiptsAdmissionsGrp/TotalAmt0770979
IRS990ScheduleA/GrossReceiptsNonUnrltBusGrp/TotalAmt00
IRS990ScheduleA/InvestmentIncomeAndUBTIGrp/CurrentTaxYearAmt02449
IRS990ScheduleA/InvestmentIncomeAndUBTIGrp/CurrentTaxYearMinus1YearAmt01690
IRS990ScheduleA/InvestmentIncomeAndUBTIGrp/CurrentTaxYearMinus2YearsAmt0463
IRS990ScheduleA/InvestmentIncomeAndUBTIGrp/CurrentTaxYearMinus3YearsAmt0486
IRS990ScheduleA/InvestmentIncomeAndUBTIGrp/CurrentTaxYearMinus4YearsAmt0380
IRS990ScheduleA/InvestmentIncomeAndUBTIGrp/TotalAmt05468
IRS990ScheduleA/InvestmentIncomeCYPct00.00120
IRS990ScheduleA/InvestmentIncomePYPct00.00080
IRS990ScheduleA/NetIncomeFromOtherUBIGrp/TotalAmt00
IRS990ScheduleA/OtherIncome509Grp/CurrentTaxYearMinus4YearsAmt0151
IRS990ScheduleA/OtherIncome509Grp/TotalAmt0151
IRS990ScheduleA/Post1975UBTIGrp/TotalAmt00
IRS990ScheduleA/PubliclySupportedOrg509a2Ind0X
IRS990ScheduleA/PublicSupportCY509Pct00.99870
IRS990ScheduleA/PublicSupportPY509Pct00.98930
IRS990ScheduleA/PublicSupportTotal509Amt04383627
IRS990ScheduleA/SubstantialContributorsAmtGrp/TotalAmt00
IRS990ScheduleA/TaxRevLeviedOrgnztnlBnft509Grp/TotalAmt00
IRS990ScheduleA/ThirtyThrPctSuprtTestsCY509Ind0X

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

2019 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$978,814
Liabilities
$58,722
Net assets
$920,092
Revenue
$598,988
Expenses
$733,939
Net income
-$134,951
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