CONSUMERS UNITED ASSOCIATION

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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

1999

Legal Domicile

Principal Officer

JENNIFER HUGGARD

Phone

8009959064

Tax Period

2023-01-01 to 2023-12-31

CONSUMERS UNITED ASSOCIATION, founded in 1999, is a small nonprofit that reported $121K in total revenue in fiscal year 2023. Revenue grew 17% year-over-year, indicating healthy expansion. Expenses of $159K exceeded revenue, resulting in a 32% operating deficit.

Mission

IMPROVE THE FINANCIAL LIVES OF CONSUMERS BY PROVIDING FINANCIAL EDUCATION AND ADVOCACY.

Program Service Accomplishments

Program 1

Expenses: $159,175 Revenue: $120,964

RIGHT ON THE MONEY FINANCIAL EDUCATION AWARDS: THE RIGHT ON THE MONEY AWARD SEEKS TO HONOR THE EFFORTS OF COLORADO NON-PROFITS, SCHOOLS, ORGANIZATIONS, AND OTHERS WHO ARE PROVIDING VITAL FINANCIAL...

RIGHT ON THE MONEY FINANCIAL EDUCATION AWARDS: THE RIGHT ON THE MONEY AWARD SEEKS TO HONOR THE EFFORTS OF COLORADO NON-PROFITS, SCHOOLS, ORGANIZATIONS, AND OTHERS WHO ARE PROVIDING VITAL FINANCIAL EDUCATION TO CHILDREN, HIGH SCHOOL, AND COLLEGE-AGE YOUNG PEOPLE AND ADULTS.

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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 $113,600

Program Service Revenue $0

Investment Income $7,364

Other Revenue $0

TOTAL REVENUE $120,964

Expense Breakdown

Grants Paid $29,757

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $159,175

Other Expenses $129,418

TOTAL EXPENSES $159,175

Year-over-Year Comparison

	2023	2022	Change
Revenue	$120,964	$103,419	+0.2%
Expenses	$159,175	$148,910	+0.1%
Net Income	$-38,211	$-45,491	-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

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

$60,480

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
N/A	DIRECTOR	1.00		$0	$0	$0
N/A	DIRECTOR	1.00		$0	$0	$0
N/A	DIRECTOR	1.00		$0	$0	$0
N/A	DIRECTOR	1.00		$0	$0	$0
ARICK WILLIAMS	CHAIRMAN	1.00	Officer	$0	$0	$0
RENEE BEAUREGARD	SEC/TREAS	20.00	Officer	$60,480	$0	$60,480
TROY STANG	PRESIDENT	1.00	Officer	$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
2023	$120,964	$159,175	No data	$-38,211