NATIONAL ASSOCIATION OF CONSUMER ADVOCATES CHARITABLE FUND INC (EIN 043309173) - 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

1996

Legal Domicile

Principal Officer

IRA RHEINGOLD

Phone

2024521989

Tax Period

2023-01-01 to 2023-12-31

NATIONAL ASSOCIATION OF CONSUMER ADVOCATES CHARITABLE FUND INC, founded in 1996, is a micro nonprofit in the Public & Societal Benefit sector that reported $49K in total revenue in fiscal year 2023. Revenue fell 33% from the prior year — a significant decline worth monitoring. Expenses of $250K exceeded revenue, resulting in a 407% operating deficit.

Mission

NACA's mission is to promote justice for all consumers by maintaining a forum for communication, networking, and information sharing among consumer advocates across the country and by serving as a voice for its members and consumers in the ongoing struggle to curb unfair or abusive business practices.

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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 (2023)

Revenue Breakdown

Contributions & Grants $48,164

Program Service Revenue $0

Investment Income $1,255

Other Revenue $0

TOTAL REVENUE $49,419

Expense Breakdown

Grants Paid $0

Salaries & Benefits $181,742

Fundraising Expenses $0

Program Expenses $192,288

Other Expenses $68,649

TOTAL EXPENSES $250,391

Year-over-Year Comparison

	2023	2022	Change
Revenue	$49,419	$73,749	-0.3%
Expenses	$250,391	$337,673	-0.3%
Net Income	$-200,972	$-263,924	-0.2%

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

N/A

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

$235,990

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
IRA RHEINGOLD	Executive Dir.	12.00	Officer	$0	$5,990	$235,990
RONALD WILCOX	Co-Chairman	0.50	Officer Director	$0	$0	$0
CAROLYN E COFFEY	Co-Chairman	0.50	Officer Director	$0	$0	$0
ANGIE K ROBERTSON	Secretary	0.50	Officer Director	$0	$0	$0
CRAIG SHAPIRO	Treasurer	0.50	Officer Director	$0	$0	$0
RICHARD DUBOIS	BOARD MEMBER	0.50	Director	$0	$0	$0
KATHLEEN ENGEL	BOARD MEMBER	0.50	Director	$0	$0	$0
ANNA C HAAC	BOARD MEMBER	0.50	Director	$0	$0	$0
JOHN HEENAN	BOARD MEMBER	0.50	Director	$0	$0	$0
DURAN KELLER	BOARD MEMBER	0.50	Director	$0	$0	$0
KRISTI C KELLY	BOARD MEMBER	0.50	Director	$0	$0	$0
MATTHEW LOKER	BOARD MEMBER	0.50	Director	$0	$0	$0
MONIQUE OLIVIER	BOARD MEMBER	0.50	Director	$0	$0	$0
CARLA L SANCHEZ-ADAMS	BOARD MEMBER	0.50	Director	$0	$0	$0
STEPHANIE TATAR	BOARD MEMBER	0.50	Director	$0	$0	$0
VILDAN TESKE	BOARD MEMBER	0.50	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
2024	No data	No data	No data	No data
2023	$49,419	$250,391	$319,602	$-200,972
2022	$73,749	$337,673	$308,273	$-263,924
2021	$20,312	$295,832	$309,927	$-275,520
2020	$435,755	$299,701	$553,545	$136,054

NATIONAL ASSOCIATION OF CONSUMER ADVOCATES CHARITABLE FUND INC