CONSUMER EDUCATION SERVICES INC (EIN 562106758) - 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

1988

Legal Domicile

Principal Officer

DIANE CHEN

Phone

8664845373

Tax Period

2022-07-01 to 2023-06-30

CONSUMER EDUCATION SERVICES INC, founded in 1988, is a community nonprofit in the Human Services sector that reported $5.4M in total revenue in fiscal year 2022. Revenue fell 28% from the prior year — a significant decline worth monitoring. Expenses of $6.0M exceeded revenue, resulting in a 11% operating deficit.

Mission

CONSUMER EDUCATION SERVICES, INC. EMPOWERS PEOPLE TO OVERCOME THEIR FINANCIAL CHALLENGES AND LEAD FINANCIALLY-HEALTHY LIVES.

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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 (2022)

Revenue Breakdown

Contributions & Grants $1,081,064

Program Service Revenue $3,569,897

Investment Income $301,736

Other Revenue $434,803

TOTAL REVENUE $5,387,500

Expense Breakdown

Grants Paid $1,050,000

Salaries & Benefits $2,222,689

Fundraising Expenses $0

Program Expenses $4,886,733

Other Expenses $2,701,749

TOTAL EXPENSES $5,974,438

Year-over-Year Comparison

	2022	2021	Change
Revenue	$5,387,500	$7,529,671	-0.3%
Expenses	$5,974,438	$5,423,064	+0.1%
Net Income	$-586,938	$2,106,607	-1.3%

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

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

$722,034

Total Directors

$85,174

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
DAYANG DIANE CHEN	CHAIRMAN / SECRETARY	5.00	Officer Director	$79,028	$6,146	$85,174
ALEXIS NELSON	BOARD MEMBER	5.00	Director	$0	$0	$0
WAYNE STALLINGS	BOARD MEMBER	5.00	Director	$0	$0	$0
ROBERT FITZGERALD	BOARD MEMBER	5.00	Director	$0	$0	$0
NAVEED IFTIKHAR	BOARD MEMBER	5.00	Director	$0	$0	$0
MICHAEL CROXSON	PRESIDENT/CEO THRU 10/2022	30.00	Officer	$189,806	$21,550	$211,356
STEVEN COLE	TREASURER THRU 6/2023	40.00	Officer	$221,673	$13,186	$234,859
ROBB CZYZEWSKI	CHIEF OPERATING OFFICER	40.00	Officer	$173,785	$16,860	$190,645
JOSEPH BATTLE	GENERAL MANAGER	40.00	Highest	$101,000	$8,127	$109,127

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	No data	No data	No data	No data
2024	No data	No data	No data	No data
2023	$5,387,500	$5,974,438	$23,042,605	$-586,938
2022	$7,529,671	$5,423,064	$23,360,630	$2,106,607
2021	$7,112,635	$6,807,417	$26,795,782	$305,218
2020	$7,890,936	$7,033,768	$23,548,010	$857,168
2019	$8,370,602	$8,830,612	$23,715,201	$-460,010
2018	$8,538,797	$9,011,799	$23,375,411	$-473,002

CONSUMER EDUCATION SERVICES INC