AAA FAIR CREDIT FOUNDATION (EIN 841411225) - Form 990 Financial Analysis & Trantor Score

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Financial Vulnerability Assessment (Tuckman-Chang)

4 risk indicators measuring financial stability and operational resilience

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Financial Trends

Organization Details

Formation Year

1997

Legal Domicile

Phone

8015391590

Tax Period

2022-01-01 to 2022-10-31

AAA FAIR CREDIT FOUNDATION, founded in 1997, is a small nonprofit that reported $213K in total revenue in fiscal year 2021. Revenue fell 61% from the prior year — a significant decline worth monitoring.

Mission

TEACH INDIVIDUALS AND FAMILIES HOW TO MANAGE THEIR FINANCES WISELY TO IMPROVE AND SUSTAIN FINANCIAL WELL-BEING

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Trantor Score

Financial Health Score (300–850) · Liquidity · Solvency · Sustainability · Efficiency

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Liquidity (40%) • Solvency (30%) • Sustainability (20%) • Efficiency (10%)

Financial Overview (2021)

Revenue Breakdown

Contributions & Grants $204,815

Program Service Revenue $7,595

Investment Income $99

Other Revenue $0

TOTAL REVENUE $212,509

Expense Breakdown

Grants Paid $6,000

Salaries & Benefits $155,448

Fundraising Expenses $1,711

Program Expenses $144,023

Other Expenses $47,973

TOTAL EXPENSES $209,421

Year-over-Year Comparison

	2021	2020	Change
Revenue	$212,509	$539,032	-0.6%
Expenses	$209,421	$436,552	-0.5%
Net Income	$3,088	$102,480	-1.0%

Key Indicators

✗ Grants to Organizations ✓ Grants to Individuals ✗ Lobbying ✗ Political Activity ✗ Foreign Activities ✗ Donor Advised Fund ✓ Schedule B Required

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Financial Health Indicators

Comprehensive financial analysis: Altman Z-Score, liquidity, solvency, sustainability, efficiency, and growth metrics

Financial Distress Indicator

Liquidity & Cash Position

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Altman Z-Score • Liquidity Ratios • Solvency Analysis • Growth Indicators • Efficiency Metrics

Governance

Voting Members

Independent Members

Employees

Volunteers

N/A

Governance Policies

✗ Conflict of Interest Policy

✗ Whistleblower Policy

✗ Document Retention Policy

Special Practices & Reported Activities

✗ Operated a School

✗ Operated a Hospital

✗ Provided First Class Travel

✗ Reported Conflict of Interest

✗ Reported Asset Diversion

✗ Excess Benefit Transaction

✗ Made Political Expenditures

✗ Engaged in Lobbying

✗ Operated Donor Advised Fund

✗ Maintained Art Collections

✗ Filed Form 720

Compensation of Officers, Directors & Key Employees

Total Officers

$11,250

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Gregory Behrmann	Executive Dir.	40.00	Officer	$11,250	$0	$11,250
Samuel Hobi	Executive Director	40.00		$10,650	$0	$10,650
Ellen Billie	Executive Director	40.00		$5,338	$0	$5,338
MATTHEW BALLARD	Trustee	1.00	Director	$0	$0	$0
NATHAN CLUFF	Treasurer	1.00	Director	$0	$0	$0
PTOSHIA K MERRILLS	Trustee	1.00	Director	$0	$0	$0
TRICIA SCHUMANN	Trustee	1.00	Director	$0	$0	$0
PAUL R THOMSEN	Trustee	1.00	Director	$0	$0	$0
CASSIE ALVEY	Trustee	1.00	Director	$0	$0	$0
CAMERON BISHOP	Trustee	1.00	Director	$0	$0	$0
STEPHEN FITZPATRICK	Chairman	4.00	Director	$0	$0	$0
JON BEHRMAN	Trustee	1.00	Director	$0	$0	$0
LAUREN CHAPMAN	Trustee	1.00	Director	$0	$0	$0
C JIMMY CHOI	Trustee	1.00	Director	$0	$0	$0

Note: Compensation data is self-reported by the organization on their Form 990. "Reportable Comp" includes salary, bonuses, and other reportable compensation from the organization and related organizations. "Other Comp" includes benefits, deferred compensation, and non-taxable benefits.

Historical Data

Year	Revenue	Expenses	Assets	Net Income
2022	$212,509	$209,421	No data	$3,088
2021	$539,032	$436,552	$1,030,789	$102,480
2020	$519,285	$536,242	$925,855	$-16,957
2019	$598,988	$733,939	$978,814	$-134,951
2018	$870,061	$955,581	$1,110,836	$-85,520

AAA FAIR CREDIT FOUNDATION