CONSUMERS AGAINST DECEPTIVE FEES

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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

2018

Legal Domicile

Principal Officer

JENNIFER L VARHOLA

Phone

4402274848

Tax Period

2020-01-01 to 2020-12-31

Mission

CONSUMERS AGAINST DECEPTIVE FEES IS ORGANIZED TO PROMOTE SOCIAL WELFARE INCLUDING BUT NOT LIMITED TO EDUCATING THE GENERAL PUBLIC REGARDING DECEPTION IN CONSUMER FEES AND BILLING PRACTICES.

Program Service Accomplishments

Program 1

Expenses: $114,326

CONSUMERS AGAINST DECEPTIVE FEES IS CURRENTLY FOCUSED ON EDUCATING THE CLEVELAND COMMUNITY. OUR EFFORTS TO EDUCATE LOCAL CONSUMERS ARE CRITICAL BECAUSE CPP RATES HAVE INCREASED OVER THE LAST SEVERAL YEARS AND CONSUMERS ARE FACING A HIGHER BURDEN EACH YEAR. OUR EFFORTS ARE CLARIFYING CONSUMERS ON CPP RATES, COST FACTORS, AND WAYS TO CHANGE FROM A REGULATORY STANDPOINT. OUR EDUCATION EFFORTS INCLUDE DOOR-TO-DOOR VISITS TO CONSUMERS IN MORE THAN 5 CLEVELAND WARDS. CONSUMER EDUCATION IS ALSO PROVIDED THROUGH THE ORGANIZATION'S WEBSITE AS WELL AS OTHER FORMS OF SOCIAL MEDIA. ADDITIONALLY, DIRECT MAILINGS ARE SENT TO THOUSANDS OF PUBLIC CONSUMERS.

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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 (2020)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $0

Investment Income $0

Other Revenue $0

TOTAL REVENUE $0

Expense Breakdown

Grants Paid $0

Salaries & Benefits $4,000

Fundraising Expenses $0

Program Expenses $114,326

Other Expenses $133,355

TOTAL EXPENSES $137,355

Year-over-Year Comparison

	2020	2019	Change
Revenue	N/A	$200,000	-1.0%
Expenses	$137,355	$149,604	-0.1%
Net Income	N/A	$50,396	N/A

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

$2,000

Total Directors

$3,000

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
JENNIFER L VARHOLA	VP, TREAS. &	4.00	Officer Director	$1,000	$0	$1,000
JOHN W YELSIK	PRESIDENT	2.00	Officer	$1,000	$0	$1,000
JASON D STEFAN	BOARD MEMBER	2.00	Director	$1,000	$0	$1,000
THOMAS A TATUM	BOARD MEMBER	2.00	Director	$1,000	$0	$1,000

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
2020	No data	$137,355	No data	No data
2019	$200,000	$149,604	$137,355	$50,396
2018	$351,931	$264,972	$86,959	$86,959