CUB CONSUMER EDUCATION AND RESEARCH FUND (EIN 204904719) - 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

2006

Legal Domicile

Principal Officer

SARAH MOSKOWITZ

Phone

3122634282

Tax Period

2023-01-01 to 2023-12-31

CUB CONSUMER EDUCATION AND RESEARCH FUND, founded in 2006, is a community nonprofit in the Environment sector that reported $1.7M in total revenue in fiscal year 2023. Revenue fell 44% from the prior year — a significant decline worth monitoring. Expenses of $2.5M exceeded revenue, resulting in a 43% operating deficit.

Mission

EDUCATE ILLINOIS CONSUMERS ON MATTERS RELATING TO PUBLIC UTILITIES AND PROMOTE THE DEVELOPMENT OF ALTERNATIVE ENERGY TECHNOLOGIES WITHIN THE STATE OF ILLINOIS.

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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 $1,709,937

Program Service Revenue $0

Investment Income $14,083

Other Revenue $0

TOTAL REVENUE $1,724,020

Expense Breakdown

Grants Paid $164,000

Salaries & Benefits $1,372,331

Fundraising Expenses $0

Program Expenses $2,230,363

Other Expenses $931,879

TOTAL EXPENSES $2,468,210

Year-over-Year Comparison

	2023	2022	Change
Revenue	$1,724,020	$3,075,017	-0.4%
Expenses	$2,468,210	$2,745,110	-0.1%
Net Income	$-744,190	$329,907	-3.3%

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

$107,069

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
PHILIP DEMAERTELAERE	PRESIDENT/DIRECTOR	1.00	Officer Director	$0	$0	$0
KRISTOFER THOMSEN	DIRECTOR/TREASURER	1.00	Officer Director	$0	$0	$0
ROBERT CRAIG NEFF	DIRECTOR/VICE PRESIDENT	1.00	Officer Director	$0	$0	$0
CANDICE JUSTICE	DIRECTOR/SECRETARY	1.00	Officer Director	$0	$0	$0
THOMAS SIKES	DIRECTOR	1.00	Director	$0	$0	$0
MARDI KLEVS	DIRECTOR	1.00	Director	$0	$0	$0
STEVE HALL	DIRECTOR	1.00	Director	$0	$0	$0
DOUGLAS BECKNELL	DIRECTOR	1.00	Director	$0	$0	$0
SARAH MOSKOWITZ	EXECUTIVE DIRECTOR	20.00	Officer	$0	$0	$107,069

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	$1,724,020	$2,468,210	$502,285	$-744,190
2022	$3,075,017	$2,745,110	$1,397,590	$329,907
2021	$2,229,787	$2,657,205	$1,338,722	$-427,418
2020	$3,043,337	$2,672,405	$1,461,442	$370,932
2019	$2,630,837	$2,595,297	$1,027,726	$35,540
2018	$2,661,884	$2,380,227	$1,064,992	$281,657

CUB CONSUMER EDUCATION AND RESEARCH FUND