Civic Intelligence

Aaa Fair Credit Foundation

990 • Fiscal year 2020 • EIN 84-1411225

Jan 01, 2020 to Dec 31, 2020 • Filed on Jun 30, 2021

Organization ProfileWWW.FAIRCREDIT.ORG

View Organization Page

136 E South TempleSalt Lake City, UT 84111

(801) 483-0999

Siviq Scores

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

Liabilities / Assets

44th percentile

0.02x

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

2020 filings • 501(c)3 • $500k-$1M nonprofits • Source year 2020

Liabilities / Revenue

47th percentile

0.04x

Higher debt load relative to revenue than 47% of similar nonprofits.

2020 filings • 501(c)3 • $500k-$1M nonprofits • Source year 2020

Net Margin

31st percentile

-3.3%

Higher net margin than 31% of similar nonprofits.

2020 filings • 501(c)3 • $500k-$1M nonprofits • Source year 2020

Top Officer Pay

69th percentile

$54,456

Higher top officer pay than 69% of similar nonprofits.

Top officer pay equals 10.5% of source-year revenue.

2020 filings • 501(c)3 • $500k-$1M nonprofits • Source year 2020

Asset Growth

18th percentile

-5.4%

Faster asset growth than 18% of similar nonprofits.

2020 filings • 501(c)3 • $500k-$1M nonprofits • Annualized from 2019 to 2020

Revenue Growth

34th percentile

-13%

Faster revenue growth than 34% of similar nonprofits.

2020 filings • 501(c)3 • $500k-$1M nonprofits • Annualized from 2019 to 2020

Balance Sheet
Liabilities / Assets44th percentile

Assets

Down

$925,855

Down $52,959 (-5.4%) from 2019

Net Assets

Down

$903,135

Down $16,957 (-1.8%) from 2019

Liabilities

Down

$22,720

Down $36,002 (-61%) from 2019

Revenue And Expenses
Liabilities / Revenue47th percentileNet Margin31st percentile

Revenue

Down

$519,285

Down $79,703 (-13%) from 2019

Expenses

Down

$536,242

Down $197,697 (-27%) from 2019

Net Income

Up

-$16,957

Up $117,994 (+87%) from 2019

Historical Trend

Balance Sheet Trend

Asset Growth18th 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

2020

Assets$925,855
Liabilities$22,720
Net Assets$903,135
Open 2020 Filing

Operations Trend

Revenue Growth34th 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

2020

Revenue$519,285
Expenses$536,242
Net Income-$16,957
Open 2020 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2020 to Dec 31, 2020
Signed
Jun 30, 2021
Return Version
2020v4.0
Gross Receipts
$519,285
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$623,213$517,972▼ $105,241
Cash and Non-Interest-Bearing Accounts$320,475$292,049▼ $28,426
Pledges and Grants Receivable$17,012$99,585▲ $82,573
Prepaid Expenses and Deferred Charges$11,827$14,959▲ $3,132
Land, Buildings, and Equipment, Net$6,287$1,290▼ $4,997
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$978,814$925,855▼ $52,959
Other Assets Total-$0-
Liabilities
Escrow Account Liability$30,488--
Accounts Payable and Accrued Expenses$24,840$22,720▼ $2,120
Deferred Revenue$3,394--
Total Liabilities$58,722$22,720▼ $36,002
Net Assets / Fund Balance
Net Assets With Donor Restrictions$592,725$517,972▼ $74,753
Net Assets Without Donor Restrictions$327,367$385,163▲ $57,796
Total Net Assets Fund Balance$920,092$903,135▼ $16,957
Total Liabilities and Net Assets / Fund Balance$978,814$925,855▼ $52,959

Asset Categories

AssetBook ValueDepreciationBasis
Equipment$1,290$161,864-
Compensation and Service Providers
Top Officer Pay69th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Ellen BillieExecutive DirectorFT$51,863$2,593$54,456
Martha WunderliFormer Executive DirectorFT$31,413$6,981$38,394

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
$474,861
Program Service Revenue
$43,682
Investment Income
$742
Other Revenue
$0
All Other Contributions
$299,252
Change in Net Assets
$-16,957

Audited Revenue Reconciliation

Revenue per Audited Statements
$519,285
Total Revenue per Audited Statements
$519,285
Total Revenue per Form 990
$519,285
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$336,000
Grants and Similar Amounts Paid$104,016
Other Expenses$96,226
Total Fundraising Expense$12,042
Professional Fundraising Fees$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages$222,472$6,367$3,244$232,083
Grants to Domestic Individuals$104,016--$104,016
Current Officers, Directors, Trustees, and Key Employees$44,926$2,723$6,807$54,456
Other Employee Benefits$27,741$1,007$115$28,863
Occupancy$19,758$525$525$20,808
Payroll Taxes$19,144$698$756$20,598
Information Technology$17,717$417$383$18,517
Fees for Services Accounting$11,721$615-$12,336
Fees for Services Legal$5,639$297-$5,936
Depreciation Depletion$4,748$250-$4,998
All Other Expenses$4,166$390$58$4,614
Other Expenses$2,284$300$79$2,663
Insurance$2,211$121$73$2,405
Fees for Services Other$1,060--$1,060
Travel$99--$99
Total Functional Expenses$508,733$15,467$12,042$536,242

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$536,242
Total Expenses per Audited Statements$536,242
Total Expenses per Form 990$536,242
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
136 E SOUTH TEMPLE, SALT LAKE CITY, UT 84111

Signing Officer

Name
Ellen Billie
Title
Executive Director
Signed
2021-06-30
Discuss with paid preparer
Yes

Organization Details

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

Preparer

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

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.”

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IRS990/Form990PartVIISectionAGrp/TitleTxt0Executive Dir.
IRS990/Form990PartVIISectionAGrp/TitleTxt1FORMER EXECUTIVE DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt2Chairman
IRS990/Form990PartVIISectionAGrp/TitleTxt3Trustee
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IRS990/Form990PartVIISectionAGrp/TitleTxt5Treasurer
IRS990/Form990PartVIISectionAGrp/TitleTxt6Trustee
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IRS990/Form990PartVIISectionAGrp/TitleTxt8Trustee
IRS990/Form990PartVIISectionAGrp/TitleTxt9Trustee
IRS990/Form990PartVIISectionAGrp/TitleTxt10Trustee
IRS990/Form990PartVIISectionAGrp/TitleTxt11Trustee
IRS990/Form990PartVIISectionAGrp/TitleTxt12Trustee
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IRS990/NetIncomeFromGamingGrp/TotalRevenueColumnAmt00
IRS990/NetIncomeOrLossGrp/TotalRevenueColumnAmt00
IRS990/NetRentalIncomeOrLossGrp/TotalRevenueColumnAmt00
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IRS990/OtherEmployeeBenefitsGrp/ManagementAndGeneralAmt01007
IRS990/OtherEmployeeBenefitsGrp/ProgramServicesAmt027741
IRS990/OtherEmployeeBenefitsGrp/TotalAmt028863
IRS990/OtherExpensesGrp/Desc0BANK CHARGES
IRS990/OtherExpensesGrp/Desc1TELEPHONE
IRS990/OtherExpensesGrp/Desc2SUPPLIES
IRS990/OtherExpensesGrp/Desc3LICENSES AND REGISTRATIONS
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IRS990/OtherExpensesGrp/FundraisingAmt179
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt0159
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IRS990/OtherExpensesGrp/ManagementAndGeneralAmt21352
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt3300
IRS990/OtherExpensesGrp/ProgramServicesAmt08298
IRS990/OtherExpensesGrp/ProgramServicesAmt17966
IRS990/OtherExpensesGrp/ProgramServicesAmt24767
IRS990/OtherExpensesGrp/ProgramServicesAmt32284
IRS990/OtherExpensesGrp/TotalAmt08457
IRS990/OtherExpensesGrp/TotalAmt18212
IRS990/OtherExpensesGrp/TotalAmt26121
IRS990/OtherExpensesGrp/TotalAmt32663
IRS990/OtherRevenueTotalAmt00
IRS990/OtherSalariesAndWagesGrp/FundraisingAmt03244
IRS990/OtherSalariesAndWagesGrp/ManagementAndGeneralAmt06367
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IRS990/PayrollTaxesGrp/FundraisingAmt0756
IRS990/PayrollTaxesGrp/ManagementAndGeneralAmt0698
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IRS990/PayrollTaxesGrp/TotalAmt020598
IRS990/PensionPlanContributionsGrp/TotalAmt00
IRS990/PledgesAndGrantsReceivableGrp/BOYAmt017012
IRS990/PledgesAndGrantsReceivableGrp/EOYAmt099585
IRS990/PoliticalCampaignActyInd0false
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IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt014959
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IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt043682
IRS990/ProgSrvcAccomActy2Grp/Desc0INDIVIDUAL DEVELOPMENT ACCOUNTS - Individual Development Accounts (IDAs) are special matched savings accounts for low-to-moderate income workers. Eligible participants receive $2 for every $1 saved toward purchase of a small business, post-ssecondary education, and/or a first home.
IRS990/ProgSrvcAccomActy2Grp/ExpenseAmt0218144
IRS990/ProgSrvcAccomActy3Grp/Desc0OTHER PROGRAM SERVICES
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IRS990/ProhibitedTaxShelterTransInd0false
IRS990/PYContributionsGrantsAmt0502478
IRS990/PYExcessBenefitTransInd0false
IRS990/PYGrantsAndSimilarPaidAmt0136016
IRS990/PYInvestmentIncomeAmt02449
IRS990/PymtTravelEntrtnmntPubOfclGrp/TotalAmt00
IRS990/PYOtherExpensesAmt0167685
IRS990/PYProgramServiceRevenueAmt094061
IRS990/PYRevenuesLessExpensesAmt0-134951
IRS990/PYSalariesCompEmpBnftPaidAmt0430238
IRS990/PYTotalExpensesAmt0733939
IRS990/PYTotalRevenueAmt0598988
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IRS990/ReportLandBuildingEquipmentInd0true
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IRS990/RoyaltiesRevenueGrp/TotalRevenueColumnAmt00
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IRS990/SavingsAndTempCashInvstGrp/EOYAmt0517972
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IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/CurrentTaxYearMinus2YearsAmt0765693
IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/CurrentTaxYearMinus3YearsAmt0765607
IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/CurrentTaxYearMinus4YearsAmt0717106
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IRS990ScheduleA/GrossInvestmentIncome509Grp/CurrentTaxYearAmt0742
IRS990ScheduleA/GrossInvestmentIncome509Grp/CurrentTaxYearMinus1YearAmt02449
IRS990ScheduleA/GrossInvestmentIncome509Grp/CurrentTaxYearMinus2YearsAmt01690
IRS990ScheduleA/GrossInvestmentIncome509Grp/CurrentTaxYearMinus3YearsAmt0463
IRS990ScheduleA/GrossInvestmentIncome509Grp/CurrentTaxYearMinus4YearsAmt0486
IRS990ScheduleA/GrossInvestmentIncome509Grp/TotalAmt05830
IRS990ScheduleA/GrossReceiptsAdmissionsGrp/CurrentTaxYearAmt043682
IRS990ScheduleA/GrossReceiptsAdmissionsGrp/CurrentTaxYearMinus1YearAmt094061
IRS990ScheduleA/GrossReceiptsAdmissionsGrp/CurrentTaxYearMinus2YearsAmt0102678
IRS990ScheduleA/GrossReceiptsAdmissionsGrp/CurrentTaxYearMinus3YearsAmt0123895
IRS990ScheduleA/GrossReceiptsAdmissionsGrp/CurrentTaxYearMinus4YearsAmt0218684
IRS990ScheduleA/GrossReceiptsAdmissionsGrp/TotalAmt0583000
IRS990ScheduleA/GrossReceiptsNonUnrltBusGrp/TotalAmt00
IRS990ScheduleA/InvestmentIncomeAndUBTIGrp/CurrentTaxYearAmt0742
IRS990ScheduleA/InvestmentIncomeAndUBTIGrp/CurrentTaxYearMinus1YearAmt02449
IRS990ScheduleA/InvestmentIncomeAndUBTIGrp/CurrentTaxYearMinus2YearsAmt01690
IRS990ScheduleA/InvestmentIncomeAndUBTIGrp/CurrentTaxYearMinus3YearsAmt0463
IRS990ScheduleA/InvestmentIncomeAndUBTIGrp/CurrentTaxYearMinus4YearsAmt0486
IRS990ScheduleA/InvestmentIncomeAndUBTIGrp/TotalAmt05830
IRS990ScheduleA/InvestmentIncomeCYPct00.00150
IRS990ScheduleA/InvestmentIncomePYPct00.00120
IRS990ScheduleA/NetIncomeFromOtherUBIGrp/TotalAmt00

Document Assets

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Filings

Displayed year

2020 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$925,855
Liabilities
$22,720
Net assets
$903,135
Revenue
$519,285
Expenses
$536,242
Net income
-$16,957
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
Peer Organizations

Similar nonprofits based on the same Siviq industry and scale cohort. 2020 filings • 501(c)3 • $500k-$1M nonprofits