THE INSTITUTE OF CONSUMER MONEY CHEN (EIN 471524248) - 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

2014

Legal Domicile

Principal Officer

DR DIANE CHEN

Phone

9197850725

Tax Period

2023-07-01 to 2024-06-30

THE INSTITUTE OF CONSUMER MONEY CHEN, founded in 2014, is a small nonprofit in the Public & Societal Benefit sector that reported $443K in total revenue in fiscal year 2023. Expenses of $835K exceeded revenue, resulting in a 88% operating deficit.

Mission

OUR MISSION IS TO CREATE A SUSTAINABLE FINANCIAL FUTURE FOR CONSUMERS. WE PROVIDE FUNDING FOR THE CONDUCTING OF RESEARCH AND STUDIES THAT PROMOTE POSITIVE SPENDING BEHAVIORS AND CONSUMER ASSET BUILDING. WE ARE COMMITTED TO PROMOTING FINANCIAL LITERACY IN OUR COMMUNITY AND ACROSS THE UNITED STATES.

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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 $250,000

Program Service Revenue $0

Investment Income $179,899

Other Revenue $13,335

TOTAL REVENUE $443,234

Expense Breakdown

Grants Paid $658,700

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $834,149

Other Expenses $176,198

TOTAL EXPENSES $834,898

Year-over-Year Comparison

	2023	2022	Change
Revenue	$443,234	$414,692	+0.1%
Expenses	$834,898	$970,697	-0.1%
Net Income	$-391,664	$-556,005	-0.3%

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

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
DR DIANE CHEN	EXECUTIVE DI	25.00	Officer Director	$0	$0	$0
DR TARA KENYON	BOARD DIRECT	2.00	Director	$0	$0	$0
ERIN KRUPA	BOARD DIRECT	2.00	Director	$0	$0	$0
DR JEFFREY LEITER	BOARD DIRECT	2.00	Director	$0	$0	$0
MONICA SMILEY	CHAIRMAN/PRE	2.00	Officer Director	$0	$0	$0
LEE TATE	TREASURER	2.00	Officer 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
2024	$443,234	$834,898	$4,380,934	$-391,664
2023	$414,692	$970,697	$4,397,839	$-556,005
2022	$402,926	$995,847	$4,625,316	$-592,921
2021	$352,976	$1,893,362	$6,179,188	$-1,540,386
2020	$143,516	$640,282	$7,211,834	$-496,766
2019	$334,419	$326,057	$7,614,745	$8,362

THE INSTITUTE OF CONSUMER MONEY CHEN