TEXAS CONSUMER ASSOCIATION INC (EIN 742042461) - 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

1966

Legal Domicile

Principal Officer

Sandra Haverlah

Phone

5124230913

Tax Period

2023-01-01 to 2023-12-31

TEXAS CONSUMER ASSOCIATION INC, founded in 1966, is a small nonprofit that reported $310K in total revenue in fiscal year 2023. Revenue decreased 10% compared to the prior year. The organization ran a surplus of $118K, a strong 38% operating margin.

Mission

Representing individuals and small businesses on pocketbook issues. Serving Texans on major issues affecting household budgets, including home equity lending, interest rates, homeowners and auto insurance, electricity market, and telecommunications services.

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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 $310,000

Program Service Revenue $0

Investment Income $0

Other Revenue $0

TOTAL REVENUE $310,000

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $191,608

Other Expenses $191,608

TOTAL EXPENSES $191,608

Year-over-Year Comparison

	2023	2022	Change
Revenue	$310,000	$345,000	-0.1%
Expenses	$191,608	$363,947	-0.5%
Net Income	$118,392	$-18,947	-7.2%

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

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

$30,000

Total Directors

$30,000

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Sandra Haverlah	President	20	Officer Director	$30,000	$0	$30,000
Jim Marston	Secretary	1	Officer Director	$0	$0	$0
Kristy Ozmun	Treasurer	1	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
2023	$310,000	$191,608	$161,248	$118,392
2022	$345,000	$363,947	$42,856	$-18,947

TEXAS CONSUMER ASSOCIATION INC