CONSUMER HEALTH ALLIANCE (EIN 752937197) - 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

2001

Legal Domicile

Phone

8005501242

Tax Period

2024-01-01 to 2024-12-31

CONSUMER HEALTH ALLIANCE, founded in 2001, is a small nonprofit that reported $156K in total revenue in fiscal year 2024. Revenue fell 39% from the prior year — a significant decline worth monitoring. Expenses of $295K exceeded revenue, resulting in a 89% operating deficit.

Mission

THE MISSION OF COSUMER HEALTH ALLIANCE ("CHA") IS TO EDUCATE CONSUMERS ABOUT DISCOUNT HEALTH CARE PROGRAMS AND TO PROTECT CONSUMERS' RIGHTS TO OBTAIN AFFORDABLE HEALTH CARE PRODUCTS AND SERVICES THROUGH DISCOUNT HEALTH CARE PROGRAMS.

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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 (2024)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $156,396

Investment Income $0

Other Revenue $0

TOTAL REVENUE $156,396

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Other Expenses $295,076

TOTAL EXPENSES $295,076

Year-over-Year Comparison

	2024	2023	Change
Revenue	$156,396	$254,396	-0.4%
Expenses	$295,076	$294,092	+0.0%
Net Income	$-138,680	$-39,696	+2.5%

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

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

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
ALLEN ERENBAUM	PRESIDENT	6.00	Officer Director	$0	$0	$0
STEWART SWEDA	VICE PRESIDENT	6.00	Officer Director	$0	$0	$0
JOEL RAY	CHAIRPERSON	6.00	Officer Director	$0	$0	$0
MICHAEL DIVITO	SECRETARY	6.00	Officer Director	$0	$0	$0
MARGARET KEEN	TREASURER	6.00	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	$156,396	$295,076	$237,215	$-138,680
2023	$254,396	$294,092	$375,895	$-39,696
2022	$305,398	$295,951	$415,591	$9,447
2021	$331,994	$335,775	$406,144	$-3,781
2020	$435,863	$320,462	$409,925	$115,401
2019	$504,796	$466,986	$294,524	$37,810
2018	$723,481	$680,653	$256,714	$42,828

CONSUMER HEALTH ALLIANCE