Is it real?
Yes. Never revoked by the IRS. Latest filing on record: FY2022.
IRS Pub. 78 · IRS Auto-Revocation List · IRS Business Master File
Where the money goes
95 cents of each dollar spent went to programs.
Form 990 Part IX, line 25, columns B–D. Every line is in By the numbers.
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Who runs it and what they're paid
14 people listed on the 990; $83K paid to officers and key staff.
Compensation history total reportable pay by year · 3 named individuals · Part VII
| Name | FY2022 | FY2020 |
|---|---|---|
| Ellen Billie | $56,415 | $51,863 |
| Martha Wunderli | — | $31,413 |
| Samuel Hobi | $575 | — |
Total reportable compensation (Form 990 Part VII column D / Schedule J column E) by filing year, matched by name within this organization. The Schedule J base / bonus / deferred breakdown is not parsed into this dataset.
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Questions the 990 asks
The form asks each of these directly. These are the filed answers.
- Family or business ties among officersPt VI · Ln 2No
- Top official's pay set by an independent reviewPt VI · Ln 15aYes
Programs and updates
Empowers individuals and families with financial management skills for lasting well-being.
Questions for AAA Fair Credit Foundation
Your first name shows with your question. AAA Fair Credit Foundation answers here, for everyone.
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Financial 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.
Individual 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.
Other program services
Funders
Who pays for it.
From grant filings on record. Receipts are incomplete: individual donors are never listed.
Grants
By the numbers
The FY2020 990, line by line.
Download 990
| Line | Start FY20 | End FY20 |
|---|---|---|
| Cash and savingsLn 1–2 | $944K | $810K |
| InvestmentsLn 11–13 | $0 | |
| Land, buildings, equipmentLn 10c | $6K | $1K |
| Total assetsLn 16 | $979K | $926K |
| LiabilitiesLn 26 | $59K | $23K |
| Net assetsLn 32 | $920K | $903K |
| Line | Total | Programs | Management | Fundraising |
|---|---|---|---|---|
| Grants to domestic organizationsLn 1 | $0 | |||
| Grants to domestic individualsLn 2 | $104K | $104K | ||
| Grants and assistance to foreign recipientsLn 3 | $0 | |||
| Benefits paid to or for membersLn 4 | $0 | |||
| Pay of current officers, directors and key staffLn 5 | $54K | $45K | $3K | $7K |
| Pay of disqualified personsLn 6 | $0 | |||
| Other salaries and wagesLn 7 | $232K | $222K | $6K | $3K |
| Pension plan contributionsLn 8 | $0 | |||
| Other employee benefitsLn 9 | $29K | $28K | $1K | $115 |
| Payroll taxesLn 10 | $21K | $19K | $698 | $756 |
| Management feesLn 11a | $0 | |||
| Legal feesLn 11b | $6K | $6K | $297 | |
| Accounting feesLn 11c | $12K | $12K | $615 | |
| Lobbying feesLn 11d | $0 | |||
| Professional fundraising feesLn 11e | $0 | |||
| Investment management feesLn 11f | $0 | |||
| Other fees for servicesLn 11g | $1K | $1K | ||
| Advertising and promotionLn 12 | $0 | |||
| Office expensesLn 13 | $0 | |||
| Information technologyLn 14 | $19K | $18K | $417 | $383 |
| RoyaltiesLn 15 | $0 | |||
| OccupancyLn 16 | $21K | $20K | $525 | $525 |
| TravelLn 17 | $99 | $99 | ||
| Travel and entertainment for public officialsLn 18 | $0 | |||
| Conferences, conventions and meetingsLn 19 | $0 | |||
| InterestLn 20 | $0 | |||
| Payments to affiliatesLn 21 | $0 | |||
| Depreciation, depletion and amortizationLn 22 | $5K | $5K | $250 | |
| InsuranceLn 23 | $2K | $2K | $121 | $73 |
| Other expenses (24a–d)Ln 24 | $25K | $23K | $2K | $81 |
| All other expensesLn 24e | $5K | $4K | $390 | $58 |
| Total functional expensesLn 25 | $536K | $509K | $15K | $12K |
Filing history
| Year | Money in | Money out | In minus out | Net assets | Download |
|---|---|---|---|---|---|
| FY2022 Latest | $213K | $209K | $3K | $0 | 990 PDF |
| FY2021 | Not on file | ||||
| FY2020 Viewing | $519K | $536K | −$17K | $903K | 990 PDF |
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Schedules filed Part IV
See the full FY2020 990 (6 parts)
Part I · Summary $519,285 revenue, 12 lines filed
Part VI · Governance 9 of 13 board members independent, no flags
Part VIII · Statement of revenue $519,285 across 10 lines filed
Part IX · Statement of functional expenses $536,242 across 31 lines filed
Part X · Balance sheet $925,855 assets, 19 lines filed
Part XI · Reconciliation of net assets $903,135 net assets at year end
Form 990 e-file (XML) FY2020 from the IRS · Classification, formation year and address from the IRS Business Master File
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