1 WISER CONSUMER EDUCATION CENTER INC (EIN 273842735) - 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

2012

Legal Domicile

Principal Officer

ART BASMAJIAN

Phone

8772749479

Tax Period

2023-11-01 to 2024-10-31

1 WISER CONSUMER EDUCATION CENTER INC, founded in 2012, is a small nonprofit in the Human Services sector that reported $307K in total revenue in fiscal year 2023. Expenses of $436K exceeded revenue, resulting in a 42% operating deficit.

Mission

1 WISER CONSUMER EDUCATION INC PROVIDES FINANCIAL LITERACY PROGRAMS TO INDIVIDUALS AND THEIR FAMILIES THAT AFE SUFFERING FROM FINANCIAL DISTRESS

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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 $0

Program Service Revenue $306,880

Investment Income $0

Other Revenue $0

TOTAL REVENUE $306,880

Expense Breakdown

Grants Paid $0

Salaries & Benefits $3,495

Fundraising Expenses $0

Other Expenses $432,199

TOTAL EXPENSES $435,694

Year-over-Year Comparison

	2023	2022	Change
Revenue	$306,880	$312,357	0.0%
Expenses	$435,694	$407,344	+0.1%
Net Income	$-128,814	$-94,987	+0.4%

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

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

$30,000

Total Directors

$30,000

Key Employees

$14,400

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
N/A	EXECUTIVE	020.00	Officer Director	$30,000	$0	$30,000
N/A	MANAGER	030.00	Key Emp	$14,400	$0	$14,400

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	$306,880	$435,694	$130,449	$-128,814
2023	$312,357	$407,344	$177,873	$-94,987
2023	$312,357	$407,344	$177,873	$-94,987
2023	$312,357	$407,344	$177,873	$-94,987
2022	$312,412	$406,992	$164,000	$-94,580
2022	$312,412	$329,124	$164,000	$-16,712
2022	$312,412	$406,992	$164,000	$-94,580
2021	$344,369	$352,863	$199,219	$-8,494

1 WISER CONSUMER EDUCATION CENTER INC