SAN FRANCISCO CONSUMER ACTION

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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

1971

Legal Domicile

Principal Officer

ANNA FLORES

Phone

4157779648

Tax Period

2024-04-01 to 2025-03-31

SAN FRANCISCO CONSUMER ACTION, founded in 1971, is a community nonprofit that reported $1.3M in total revenue in fiscal year 2024. Revenue surged 30% from the prior year, signaling strong growth momentum. Expenses of $1.2M left a modest 7% surplus.

Mission

TO EMPOWER CONSUMERS TO ACHIEVE FINANCIAL SECURITY THROUGH EDUCATION AND ADVOCACY.

Program Service Accomplishments

Program 1

Expenses: $267,414 Revenue: $10,996

THE WALMART FINANCIAL EDUCATION GRANT INCLUDED AN UPDATE TO CONSUMER ACTION'S MONEY MANAGEMENT 1-2-3 TRAINING MODULE AND THE CONDUCTING OF THREE IN-PERSON TRAIN-THE-TRAINER SESSIONS FOR...

THE WALMART FINANCIAL EDUCATION GRANT INCLUDED AN UPDATE TO CONSUMER ACTION'S MONEY MANAGEMENT 1-2-3 TRAINING MODULE AND THE CONDUCTING OF THREE IN-PERSON TRAIN-THE-TRAINER SESSIONS FOR COMMUNITY-BASED ORGANIZATIONS, EDUCATORS AND ADVOCATES IN BOSTON, PHILADELPHIA AND CHICAGO. THE PROGRAM ALSO PROVIDED MINI-GRANT INCENTIVES FOR SELECTED ATTENDEES TO CONDUCT FINANCIAL EDUCATION WORKSHOPS IN THEIR LOCAL COMMUNITIES.

Program 2

Expenses: $194,283

THE DISH CY PRES AWARD PROJECT INCLUDED THE DEVELOPMENT OF MULTI-LINGUAL CONSUMER EDUCATION MATERIALS ON THE TELEPHONE CONSUMER PROTECTION ACT (TCPA) AND CONSUMER PRIVACY PROTECTION AND CONDUCTING A SERIES OF IN-PERSON REGIONAL TRAIN-THE-TRAINER WORKSHOPS FOR COMMUNITY-BASED ORGANIZATIONS, ADVOCATES AND EDUCATORS ACROSS THE COUNTRY. THE PROJECT ALSO INCLUDED THE AWARDING OF MINI-GRANTS TO SELECT COMMUNITY-BASED ORGANIZATIONS TO CONDUCT LOCAL WORKSHOPS FOR CONSUMERS ON THE TCPA AND PRIVACY PROTECTION.

Program 3

Expenses: $154,238

ROSE FOUNDATION WARRANTY PROJECT THE PROJECT INCLUDED A VARIETY OF INITIATIVES INCLUDING THE DEVELOPMENT OF A CONSUMER OPINION POLL, RESEARCH AND SURVEYS OF COMPUTER AND SMARTPHONE MANUFACTURERS AND SELLERS, AND THE CREATION OF MULTILINGUAL (ENGLISH/SPANISH/CHINESE) CONSUMER EDUCATION PUBLICATIONS, VIDEOS AND WEBINARS DESIGNED TO INCREASE CALIFORNIANS AWARENESS OF THEIR SMARTPHONE AND COMPUTER WARRANTY RIGHTS, TEACH THEM HOW TO EXERCISE THEIR RIGHTS, AND INFORM THEM OF THE RESOURCES AVAILABLE IF THEY BELIEVE THEIR RIGHTS HAVE BEEN VIOLATED.

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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 (2024)

Revenue Breakdown

Contributions & Grants $1,230,453

Program Service Revenue $10,996

Investment Income $20,694

Other Revenue $7,347

TOTAL REVENUE $1,269,490

Expense Breakdown

Grants Paid $55,400

Salaries & Benefits $878,397

Fundraising Expenses $110,962

Program Expenses $805,399

Other Expenses $222,088

TOTAL EXPENSES $1,186,385

Year-over-Year Comparison

	2024	2023	Change
Revenue	$1,269,490	$974,773	+0.3%
Expenses	$1,186,385	$1,126,841	+0.1%
Net Income	$83,105	$-152,068	-1.5%

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

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

$172,644

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
SUE ROGAN	PRESIDENT	4.00	Officer Director	$0	$0	$0
KEN MCELDOWNEY	TREASURER	2.00	Officer Director	$0	$0	$0
DEBORAH LOWE MURAMOTO	SECRETARY	2.00	Officer Director	$0	$0	$0
RUTH SUSSWEIN	DIRECTOR OF	28.00	Officer	$0	$0	$0
ANNA FLORES	EXECUTIVE DI	35.00	Officer	$162,000	$10,644	$172,644
IRENE LEECH	DIRECTOR	1.00	Director	$0	$0	$0
GAIL SANDERS	DIRECTOR	1.00	Director	$0	$0	$0
JANEEN MARQUARDT	DIRECTOR	1.00	Director	$0	$0	$0
JOE WYNN	DIRECTOR TO	1.00	Director	$0	$0	$0
LATESHA SLAPPY	DIRECTOR TO	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
2025	$1,269,490	$1,186,385	$1,222,629	$83,105
2024	$974,773	$1,126,841	$983,906	$-152,068
2023	$1,164,687	$1,404,196	$1,266,588	$-239,509
2022	$1,658,690	$1,801,939	$1,493,172	$-143,249
2021	$1,209,565	$2,338,910	$1,959,175	$-1,129,345
2020	$941,331	$2,887,540	$2,777,631	$-1,946,209
2019	$2,185,910	$3,307,717	$4,796,950	$-1,121,807
2018	$1,972,569	$3,279,222	$5,965,339	$-1,306,653