Consumer Federation of America

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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

1968

Legal Domicile

Principal Officer

Susan Weinstock

Phone

2023876121

Tax Period

2025-01-01 to 2025-12-31

Consumer Federation of America, founded in 1968, is a mid-sized nonprofit in the Public & Societal Benefit sector that reported $11.5M in total revenue in fiscal year 2025. Revenue surged 24% from the prior year, signaling strong growth momentum. The organization ran a surplus of $7.3M, a strong 64% operating margin.

Mission

The Consumer Federation of America (CFA) is an association of non-profit consumer organizations that was established in 1968 to advance the consumer interest through research, advocacy, and education. See Schedule O for continuation

Program Service Accomplishments

Program 1

Expenses: $2,684,690 Revenue: $439,821

CFA Programs- CFA Programs advance the consumer interest through research, advocacy, and education. Education - CFA disseminates information on consumer issues to the public and the media as well as to policymakers and other public interest advocates. This is achieved by national social marketing campaigns, national education information and distribution, conferences, reports, news releases and by website. Research - CFA investigates consumer issues, behaviors and attitudes using surveys, polling, focus groups, and literature reviews. The findings assist consumer advocates and policymakers as well as individual consumers. This research also provides the basis for consumer information and education efforts.See Schedule O for continuation.

Program 2

Expenses: $509,369

America Saves- America Saves is a campaign that motivates, encourages, and supports low- to moderate-income households to save money, reduce debt, and build wealth. The research-based campaign uses the principles of behavioral economics and social marketing to change behavior. Non-profit, government, and corporate groups participate in America Saves nationally and through local, regional, and statewide campaigns around the country. America Saves encourages individuals to take the America Saves pledge and organizations to promote savings year-round and during America Saves Week.See Schedule O for continuation.

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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 $10,702,229

Program Service Revenue $439,821

Investment Income $364,769

Other Revenue $-38,096

TOTAL REVENUE $11,468,723

Expense Breakdown

Grants Paid $48,000

Salaries & Benefits $2,841,907

Fundraising Expenses $25,133

Program Expenses $3,194,059

Other Expenses $1,250,208

TOTAL EXPENSES $4,140,115

Year-over-Year Comparison

	2025	2024	Change
Revenue	$11,468,723	$9,254,612	+0.2%
Expenses	$4,140,115	$3,552,813	+0.2%
Net Income	$7,328,608	$5,701,799	+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

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

$304,465

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Janet Domenitz	Chair	1.00	Officer Director	$0	$0	$0
Ann Baddour	Vice Chair	1.00	Officer Director	$0	$0	$0
Beverly Brown Ruggia	Vice Chair	1.00	Officer Director	$0	$0	$0
David Butler	Vice Chair	1.00	Officer Director	$0	$0	$0
Liz Coyle	Vice Chair	1.00	Officer Director	$0	$0	$0
Irene Leech	Vice Chair	1.00	Officer Director	$0	$0	$0
Susanna Montezemolo	Vice Chair	1.00	Officer Director	$0	$0	$0
Willard P Ogburn	Vice Chair	1.00	Officer Director	$0	$0	$0
Abe Scarr	Vice Chair	1.00	Officer Director	$0	$0	$0
Robert Herrell	Secretary/Treasurer	1.00	Officer Director	$0	$0	$0
Jessica AcMoody	Director	1.00	Director	$0	$0	$0
Bill Cheney	Director	1.00	Director	$0	$0	$0
Jeffrey Connor	Director	1.00	Director	$0	$0	$0
Alane Dent	Director	1.00	Director	$0	$0	$0
Keisha Deonarine Bross	Director	1.00	Director	$0	$0	$0
Anna Flores	Director	1.00	Director	$0	$0	$0
Alan Goldblatt	Director	1.00	Director	$0	$0	$0
Alexis Iwanisziw	Director	1.00	Director	$0	$0	$0
Rob Larew	Director	1.00	Director	$0	$0	$0
Doug OBrien	Director	1.00	Director	$0	$0	$0
Cy Richardson	Director	1.00	Director	$0	$0	$0
Rosemary Shahan	Director	1.00	Director	$0	$0	$0
Emily Troncoso	Director	1.00	Director	$0	$0	$0
LaChandra White	Director	1.00	Director	$0	$0	$0
Susan Weinstock	President and CEO	37.50	Officer	$290,915	$13,550	$304,465
Thomas Gremillion	Director of Food Policy	37.50	Highest	$168,952	$30,666	$199,618
Benjamin Winters	Director of AI & Data Privacy	37.50	Highest	$137,250	$8,652	$145,902
Corey Fryer	Director of Investment Protection	37.50	Highest	$125,400	$8,522	$133,922
Tony Lucas	Administrative Director	37.50	Highest	$138,657	$7,018	$145,675
Anna Marie Lowery	Director of Meetings & Events	37.50	Highest	$132,283	$25,818	$158,101

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	$11,468,723	$4,140,115	$16,474,240	$7,328,608
2024	$9,254,612	$3,552,813	$9,318,186	$5,701,799
2023	$1,877,514	$3,700,905	$3,836,063	$-1,823,391
2022	$2,387,987	$3,793,962	$5,818,231	$-1,405,975
2021	$2,738,481	$3,627,906	$5,961,327	$-889,425
2020	$3,075,184	$3,440,385	$6,760,324	$-365,201
2020	$3,025,184	$3,440,385	$6,710,324	$-415,201
2019	$3,086,913	$3,690,177	$7,281,644	$-603,264
2018	$2,924,063	$3,646,969	$7,846,176	$-722,906