Civic Intelligence

Aaa Fair Credit Foundation

990 • Fiscal year 2021 • EIN 84-1411225

Jan 01, 2021 to Dec 31, 2021 • Filed on Jun 28, 2022

Organization ProfileWWW.FAIRCREDIT.ORG

View Organization Page

136 E South Temple 1400Salt 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

38th percentile

0.02x

Higher debt load relative to assets than 38% of similar nonprofits.

2021 filings • 501(c)3 • $1M-$5M nonprofits • Source year 2021

Liabilities / Revenue

40th percentile

0.05x

Higher debt load relative to revenue than 40% of similar nonprofits.

2021 filings • 501(c)3 • $1M-$5M nonprofits • Source year 2021

Net Margin

61st percentile

19%

Higher net margin than 61% of similar nonprofits.

2021 filings • 501(c)3 • $1M-$5M nonprofits • Source year 2021

Top Officer Pay

51st percentile

$59,236

Higher top officer pay than 51% of similar nonprofits.

Top officer pay equals 11.0% of source-year revenue.

2021 filings • 501(c)3 • $1M-$5M nonprofits • Source year 2021

Asset Growth

54th percentile

11%

Faster asset growth than 54% of similar nonprofits.

2021 filings • 501(c)3 • $1M-$5M nonprofits • Annualized from 2020 to 2021

Revenue Growth

39th percentile

3.8%

Faster revenue growth than 39% of similar nonprofits.

2021 filings • 501(c)3 • $1M-$5M nonprofits • Annualized from 2020 to 2021

Balance Sheet
Liabilities / Assets38th percentile

Assets

Up

$1,030,789

Up $104,934 (+11%) from 2020

Net Assets

Up

$1,005,615

Up $102,480 (+11%) from 2020

Liabilities

Up

$25,174

Up $2,454 (+11%) from 2020

Revenue And Expenses
Liabilities / Revenue40th percentileNet Margin61st percentile

Revenue

Up

$539,032

Up $19,747 (+3.8%) from 2020

Expenses

Down

$436,552

Down $99,690 (-19%) from 2020

Net Income

Up

$102,480

Up $119,437 (+704%) from 2020

Historical Trend

Balance Sheet Trend

Asset Growth54th 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

2021

Assets$1,030,789
Liabilities$25,174
Net Assets$1,005,615
Open 2021 Filing

Operations Trend

Revenue Growth39th 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

2021

Revenue$539,032
Expenses$436,552
Net Income$102,480
Open 2021 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2021 to Dec 31, 2021
Signed
Jun 28, 2022
Return Version
2021v4.0
Gross Receipts
$539,032
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$517,972$543,013▲ $25,041
Cash and Non-Interest-Bearing Accounts$292,049$422,982▲ $130,933
Pledges and Grants Receivable$99,585$54,158▼ $45,427
Prepaid Expenses and Deferred Charges$14,959$10,372▼ $4,587
Land, Buildings, and Equipment, Net$1,290$264▼ $1,026
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$925,855$1,030,789▲ $104,934
Other Assets Total-$0-
Liabilities
Accounts Payable and Accrued Expenses$22,720$25,174▲ $2,454
Total Liabilities$22,720$25,174▲ $2,454
Net Assets / Fund Balance
Net Assets With Donor Restrictions$517,972$543,013▲ $25,041
Net Assets Without Donor Restrictions$385,163$462,602▲ $77,439
Total Net Assets Fund Balance$903,135$1,005,615▲ $102,480
Total Liabilities and Net Assets / Fund Balance$925,855$1,030,789▲ $104,934

Asset Categories

AssetBook ValueDepreciationBasis
Equipment$264$162,890-
Compensation and Service Providers
Top Officer Pay51st percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Ellen BillieFormer Executive DirectorFT$56,415$2,821$59,236
Samuel HobiExecutive DirectorFT$575-$575

Board Members and Trustees

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

Revenue Composition

Contributions and Grants
$505,484
Program Service Revenue
$33,324
Investment Income
$224
Other Revenue
$0
All Other Contributions
$505,484
Change in Net Assets
$102,480

Audited Revenue Reconciliation

Revenue per Audited Statements
$539,032
Total Revenue per Audited Statements
$539,032
Total Revenue per Form 990
$539,032
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$264,431
Grants and Similar Amounts Paid$123,436
Other Expenses$48,685
Total Fundraising Expense$9,087
Professional Fundraising Fees$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages$202,215$13,608$7,484$223,307
Grants to Domestic Individuals$123,436--$123,436
Other Employee Benefits$22,017$1,249$602$23,868
Payroll Taxes$15,063$1,070$548$16,681
Fees for Services Accounting$11,226$614-$11,840
Occupancy$8,817$101$103$9,021
Fees for Services Other$5,813$1,073$127$7,013
Insurance$3,970$174$129$4,273
All Other Expenses$2,797$140$3$2,940
Other Expenses$47$1,650$61$1,697
Depreciation Depletion$975$51-$1,026
Conferences and Meetings$743--$743
Current Officers, Directors, Trustees, and Key Employees-$575-$575
Total Functional Expenses$404,415$23,050$9,087$436,552

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$436,552
Total Expenses per Audited Statements$436,552
Total Expenses per Form 990$436,552
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 1400, SALT LAKE CITY, UT 84111

Signing Officer

Name
Greg Behrmann
Title
Executive Director
Signed
2022-06-28
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Greg Behrman
Formed
1997
Legal Domicile
Ut
Voting Board Members
14
Independent Board Members
9
Employees
11
Volunteers
12

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/TitleTxt11Trustee
IRS990/Form990PartVIISectionAGrp/TitleTxt12Trustee
IRS990/Form990PartVIISectionAGrp/TitleTxt13Trustee
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IRS990/ProgSrvcAccomActy2Grp/Desc0FINANCIAL COACHING AND EDUCATION - Certified personal finance coaches help clients to set and achieve goals for self-reliance and financial mobility. This is done through education on the basics of personal finance paired with goal setting, accountability, ongoing communication, and connection to resources.
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IRS990ScheduleA/InvestmentIncomeCYPct00.00160

Document Assets

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Filings

Displayed year

2021 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$1,030,789
Liabilities
$25,174
Net assets
$1,005,615
Revenue
$539,032
Expenses
$436,552
Net income
$102,480
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