THE CONSUMER BANKERS ASSOCIATION

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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

1919

Legal Domicile

Principal Officer

LINDSEY JOHNSON

Phone

2025526378

Tax Period

2023-10-01 to 2024-09-30

THE CONSUMER BANKERS ASSOCIATION, founded in 1919, is a mid-sized nonprofit that reported $20.2M in total revenue in fiscal year 2023. Revenue grew 17% year-over-year, indicating healthy expansion. Expenses of $18.8M left a modest 7% surplus.

Mission

THE CONSUMER BANKERS ASSOCIATION PARTNERS WITH THE NATION'S LEADING RETAIL BANKS TO PROMOTE SOUND POLICY, PREPARE THE NEXT GENERATION OF DIVERSE BANKERS TO LEAD THE INDUSTRY, AND FINANCE THE DREAMS OF CONSUMERS AND SMALL BUSINESSES.

Program Service Accomplishments

Program 1

Expenses: $3,453,041

CONFERENCES, WORKSHOPS AND WEBINARS: WEBINARS OFFER AN EFFICIENT AND ECONOMICAL WAY FOR MEMBERS TO STAY UP-TO-DATE WITH BUSINESS ISSUES AND REGULATORY CHANGES. THE ANNUAL CONFERENCE AND WORKSHOP...

CONFERENCES, WORKSHOPS AND WEBINARS: WEBINARS OFFER AN EFFICIENT AND ECONOMICAL WAY FOR MEMBERS TO STAY UP-TO-DATE WITH BUSINESS ISSUES AND REGULATORY CHANGES. THE ANNUAL CONFERENCE AND WORKSHOP OFFERS MORE THAN 90 HOURS OF PROGRAMMING, FEATURING MORE THAN 200 SPEAKERS. THE WEBINARS AND CONFERENCE PRESENTATION ARE PRESENTED BY INDUSTRY EXPERTS, EXECUTIVE LEVEL BANKERS, AND SENIOR REGULATORY REPRESENTATIVES WHO SHARE THEIR PERSPECTIVES AND INSIGHTS ON THE ISSUES, OPPORTUNITIES AND CHANGES IN THE INDUSTRY

Program 2

Expenses: $2,759,025

COMMITTEE AND WORKING GROUPS: CBA IS A MEMBER DRIVEN ORGANIZATION. CBA'S 11 STANDING COMMITTEES AND SEVERAL WORKING GROUPS INCLUDE THE TOP EXECUTIVES FROM OUR MEMBER BANKS WITH EXPERTISE IN EACH...

COMMITTEE AND WORKING GROUPS: CBA IS A MEMBER DRIVEN ORGANIZATION. CBA'S 11 STANDING COMMITTEES AND SEVERAL WORKING GROUPS INCLUDE THE TOP EXECUTIVES FROM OUR MEMBER BANKS WITH EXPERTISE IN EACH SEGMENT OF RETAIL BANKING. OUR COMMITTEES GUIDE OUR MISSION AND SERVE AS THE FOUNDATION FOR EVERY CBA PROGRAM FROM ADVOCACY EFFORTS TO OUR ANNUAL CONFERENCE, CBA LIVE. IN THIS RAPIDLY CHANGING ENVIRONMENT, CBA STAYS UP TO SPEED ON THE TOP RETAIL BANKING ISSUES BY UPDATING THE PRIORITIES OF ITS COMMITTEES AND CREATING SUBCOMMITTEES AND WORKING GROUPS AS PARTICULAR ISSUES ARISE.

Program 3

Expenses: $3,687,528

GOVERNMENT RELATIONS: CBA'S GOVERNMENT RELATIONS TEAM IS THE VOICE OF ITS MEMBERSHIP IN THE NATION'S CAPITAL ON RETAIL FINANCIAL SERVICES ISSUES - BOTH LEGISLATIVE AND REGULATORY. THROUGH MEETINGS...

GOVERNMENT RELATIONS: CBA'S GOVERNMENT RELATIONS TEAM IS THE VOICE OF ITS MEMBERSHIP IN THE NATION'S CAPITAL ON RETAIL FINANCIAL SERVICES ISSUES - BOTH LEGISLATIVE AND REGULATORY. THROUGH MEETINGS, COMMENT LETTERS, CONGRESSIONAL TESTIMONY AND ISSUE BRIEFINGS, THE TEAM EDUCATES POLICYMAKERS, PROMOTES THE RETAIL BANKING INDUSTRY, AND WORKS WITH CONGRESS ON LEGISLATION TO BEST SERVE THE NEEDS OF CONSUMERS AND SMALL BUSINESSES NATIONWIDE.

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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 $19,368,865

Investment Income $715,572

Other Revenue $163,154

TOTAL REVENUE $20,247,591

Expense Breakdown

Grants Paid $0

Salaries & Benefits $10,580,355

Fundraising Expenses $0

Program Expenses $16,473,089

Other Expenses $8,260,438

TOTAL EXPENSES $18,840,793

Year-over-Year Comparison

	2023	2022	Change
Revenue	$20,247,591	$17,298,679	+0.2%
Expenses	$18,840,793	$15,524,278	+0.2%
Net Income	$1,406,798	$1,774,401	-0.2%

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

$2,846,900

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
RYAN BAILEY	PAST CHAIR	1.00	Officer Director	$0	$0	$0
QUINCY MILLER	DIRECTOR	1.00	Director	$0	$0	$0
CHRISTINE CHANNELS	DIRECTOR	1.00	Director	$0	$0	$0
VICTOR ALEXANDER	DIRECTOR	1.00	Director	$0	$0	$0
TODD BARNHART	DIRECTOR	1.00	Director	$0	$0	$0
CHAD BORTON	DIRECTOR	1.00	Director	$0	$0	$0
BRENDAN COUGHLIN	CHAIR	1.00	Officer Director	$0	$0	$0
BECKY GRIFFIN	DIRECTOR	1.00	Director	$0	$0	$0
HOWARD HAMMOND	DIRECTOR	1.00	Director	$0	$0	$0
ERNIE JOHANNSON	DIRECTOR	1.00	Director	$0	$0	$0
CASSANDRA MCKINNEY	DIRECTOR	1.00	Director	$0	$0	$0
NITIN MHATRE	DIRECTOR	1.00	Director	$0	$0	$0
MARIA TEDESCO	CHAIR-ELECT	1.00	Officer Director	$0	$0	$0
BRIAN KING	DIRECTOR	1.00	Director	$0	$0	$0
CELIA KARAM	DIRECTOR	1.00	Director	$0	$0	$0
PATRICK SMITH	DIRECTOR	1.00	Director	$0	$0	$0
BRANT STANDRIDGE	DIRECTOR	1.00	Director	$0	$0	$0
SHAUN MCDOUGALL	DIRECTOR	1.00	Director	$0	$0	$0
MIKE DRURY	DIRECTOR	1.00	Director	$0	$0	$0
KATE DANELLA	DIRECTOR	1.00	Director	$0	$0	$0
ARIJIT ROY	DIRECTOR	1.00	Director	$0	$0	$0
CRAIG VALLORANO	DIRECTOR	1.00	Director	$0	$0	$0
MATT BOSS	DIRECTOR	1.00	Director	$0	$0	$0
LINDSEY JOHNSON	PRESIDENT & CEO	40.00	Officer	$1,395,840	$50,773	$1,446,613
DANIEL SMITH	EXEC VICE PRESIDENT (THRU 6/23)	40.00	Officer	$178,131	$27,562	$205,693
JEAN BUNTON	EXECUTIVE VICE PRESIDENT	40.00	Officer	$456,385	$33,315	$489,700
KELVIN CHEN	SENIOR EXECUTIVE VICE PRESIDENT	40.00	Officer	$232,920	$6,705	$239,625
MICHELLE AUGHINBAUGH	CAO	40.00	Officer	$408,427	$56,842	$465,269
DANNI LU	EXEC VICE PRESIDENT OF FINANCE	40.00	Highest	$216,922	$35,230	$252,152
THOMAS DENT	SENIOR VICE PRESIDENT	40.00	Highest	$283,989	$49,248	$333,237
KEVIN O'CONNOR	SENIOR VICE PRESIDENT	40.00	Highest	$333,690	$30,331	$364,021
DAVID POMMEREHN	SENIOR VICE PRESIDENT	40.00	Highest	$356,582	$46,031	$402,613
SAMUEL WHITFIELD	SENIOR VICE PRESIDENT	40.00	Highest	$487,883	$49,578	$537,461

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	$20,247,591	$18,840,793	$25,273,905	$1,406,798
2023	$17,298,679	$15,524,278	$19,521,223	$1,774,401
2022	$14,291,019	$15,060,962	$10,888,858	$-769,943
2021	$11,272,002	$12,493,590	$14,757,474	$-1,221,588
2020	$11,053,476	$10,767,904	$13,824,219	$285,572
2019	$14,265,757	$13,941,500	$12,160,811	$324,257
2018	$13,540,318	$13,226,293	$11,730,593	$314,025