CONSUMER SERVICE ALLIANCE OF TEXAS

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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

2008

Legal Domicile

Principal Officer

ROBERT NORCROSS

Phone

5123279811

Tax Period

2025-01-01 to 2025-12-31

CONSUMER SERVICE ALLIANCE OF TEXAS, founded in 2008, is a small nonprofit in the Community Improvement sector that reported $623K in total revenue in fiscal year 2025.

Mission

CSATS MISSION IS TO WORK COOPERATIVELY WITH INDUSTRY, CONSUMERS, AND GOVERNMENT OFFICIALS TO HELP ENSURE TEXANS HAVE ACCESS TO SHORT-TERM LOANS AND OTHER FINANCIAL SERVICE PRODUCTS IN COMPLIANCE WITH THE LAW.

Program Service Accomplishments

Program 1

CSAT WORKS TO ENHANCE AND IMPROVE THE ECONOMY AND QUALITY OF LIFE OF TEXANS BY SATISFYING THE NEEDS OF CONSUMERS WHO HAVE LIMITED ACCESS TO LENDERS WHO EXTEND CREDIT THAT IS SHORT TERM AND LOW COST.

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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 (2025)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $623,333

Investment Income $0

Other Revenue $0

TOTAL REVENUE $623,333

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Other Expenses $626,454

TOTAL EXPENSES $626,454

Year-over-Year Comparison

	2025	2024	Change
Revenue	$623,333	$630,834	0.0%
Expenses	$626,454	$666,537	-0.1%
Net Income	$-3,121	$-35,703	-0.9%

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

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
DAN ADAMS	Treasurer	1.00	Officer Director	$0	$0	$0
TRAVIS BUSSY	Director	1.00	Officer Director	$0	$0	$0
JOHN RABENOLD	Director	1.00	Officer Director	$0	$0	$0
SALLY AIELLO	Director	1.00	Officer Director	$0	$0	$0
RACHAEL SCHREIBER	Director	1.00	Officer Director	$0	$0	$0
JULIE TOWNSEND	Director	1.00	Officer Director	$0	$0	$0
ALEX VAUGHN	Director	1.00	Officer Director	$0	$0	$0
Dylan White	Director	1.00	Officer Director	$0	$0	$0
ROBERT NORCROSS	Executive Dir.	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
2025	$623,333	$626,454	$1,457	$-3,121
2024	$630,834	$666,537	$4,578	$-35,703
2023	$689,500	$681,980	$40,281	$7,520
2022	$659,834	$651,918	$32,761	$7,916
2021	$755,252	$772,559	$32,345	$-17,307
2020	$680,000	$689,839	$42,152	$-9,839
2019	$794,000	$940,100	$51,991	$-146,100
2018	$701,250	$665,365	$198,091	$35,885