CONSUMER BANKRUPTCY ASSOCIATON

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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

1988

Legal Domicile

Principal Officer

CRAIG S SCHOENHERR

Phone

2483525080

Tax Period

2023-01-01 to 2023-12-31

CONSUMER BANKRUPTCY ASSOCIATON, founded in 1988, is a micro nonprofit that reported $563 in total revenue in fiscal year 2023. Revenue fell 108% from the prior year — a significant decline worth monitoring.

Mission

CONSUMER BANKRUPTCY ASSOCIATION IS A PROFESSIONAL ORGAINIZATION THAT ADDRESSES THE NEEDS OF THOSE INVOLVED IN CONSUMER BANKRUPTCY MATTERS.

Program Service Accomplishments

Program 1

Expenses: $5,911 Revenue: $7,100

EDUCATIONAL PROGRAMS AND WORKING WITH THE COURT TO PROMOTE GREATER KNOWLEDGE OF THE TOPIC AND GAIN EFFICIENCIES.

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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 $12,250

Investment Income $7

Other Revenue $-12,820

TOTAL REVENUE $-563

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $5,911

Other Expenses $17,700

TOTAL EXPENSES $17,700

Year-over-Year Comparison

	2023	2022	Change
Revenue	$-563	$6,631	-1.1%
Expenses	$17,700	$7,948	+1.2%
Net Income	$-18,263	$-1,317	+12.9%

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
ALEXANDER BERRY-SANTORO	DIRECTOR	N/A	Director	$0	$0	$0
BRETT BORDER	DIRECTOR	N/A	Director	$0	$0	$0
ANDREA CARTWRIGHT	DIRECTOR	N/A	Director	$0	$0	$0
TOM DECARLO	DIRECTOR	N/A	Director	$0	$0	$0
KAREN EVANGELISTA	DIRECTOR	N/A	Director	$0	$0	$0
SONYA GOLL	DIRECTOR	N/A	Director	$0	$0	$0
CRYSTAL PRICE-BUCKLEY	DIRECTOR	N/A	Director	$0	$0	$0
CHARLES J SCHNEIDER	DIRECTOR	N/A	Director	$0	$0	$0
CARA LASSNER	SECRETARY	N/A	Officer	$0	$0	$0
DAVID W RUSKIN	TREASURER	N/A	Officer	$0	$0	$0
CRAIG S SCHOENHERR	PRESIDENT	N/A	Officer	$0	$0	$0
BRIAN JOEL SMALL	VICE PRES.	N/A	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	$-563	$17,700	$86,934	$-18,263
2022	$6,631	$7,948	$105,197	$-1,317
2021	$25,676	$5,104	$106,514	$20,572
2020	$17,308	$12,658	$85,942	$4,650
2019	$12,604	$15,491	$81,292	$-2,887
2018	$12,303	$17,296	$84,179	$-4,993