YOUNG ADULT CONSUMER EDUCATION TRUST (EIN 912027527) - 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

1999

Legal Domicile

Principal Officer

DAVID BLUE

Tax Period

2023-01-01 to 2023-12-31

YOUNG ADULT CONSUMER EDUCATION TRUST, founded in 1999, is a micro nonprofit in the Education sector that reported $85K in total revenue in fiscal year 2023. Revenue surged 50% from the prior year, signaling strong growth momentum. The organization ran a surplus of $73K, a strong 85% operating margin.

Mission

Consumer Literacy for Young Adults, Maintain consumer education programs on internet that were developed in prior years. These programs are free. In the process of upgrading and developing new 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 (2023)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $0

Investment Income $85,416

Other Revenue $0

TOTAL REVENUE $85,416

Expense Breakdown

Grants Paid $1,500

Salaries & Benefits $6,200

Fundraising Expenses $0

Program Expenses $1,500

Other Expenses $4,971

TOTAL EXPENSES $12,671

Year-over-Year Comparison

	2023	2022	Change
Revenue	$85,416	$56,980	+0.5%
Expenses	$12,671	$46,779	-0.7%
Net Income	$72,745	$10,201	+6.1%

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
LUCAS EVANS	MEM	010.00	Director	$0	$0	$0
SCOTT KANE	MEM	002.00	Director	$0	$0	$0
REBECCA HUYLAR	MEM	002.00	Director	$0	$0	$0
DENTON MEIER	MEM	002.00	Director	$0	$0	$0
JANELLE BLAKNEY	SEC	002.00	Director	$0	$0	$0
JESUS MENDOZA JR	V CHAIR	002.00	Officer	$0	$0	$0
DAVID BLUE	TREA	002.00	Officer	$0	$0	$0
TRISHA SCHOCK	CHAIR	002.00	Officer	$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	No data	No data	No data	No data
2023	$85,416	$12,671	$2,729,054	$72,745
2022	$56,980	$46,779	$2,656,309	$10,201
2021	$74,156	$17,617	$2,646,539	$56,539
2020	$79,227	$19,832	$2,591,169	$59,395
2019	$91,853	$44,392	$2,532,474	$47,461
2018	$506,205	$25,345	$2,596,651	$480,860

YOUNG ADULT CONSUMER EDUCATION TRUST