Consumer Education and Training Services (EIN 912061723) - 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

2000

Legal Domicile

Principal Officer

Kern Gillette

Phone

2062677017

Tax Period

2023-01-01 to 2023-12-31

Consumer Education and Training Services, founded in 2000, is a small nonprofit in the Human Services sector that reported $360K in total revenue in fiscal year 2023. Revenue surged 42% from the prior year, signaling strong growth momentum. The organization ran a surplus of $84K, a strong 23% operating margin.

Mission

Consumer bankruptcy education

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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 $323,017

Program Service Revenue $0

Investment Income $1,602

Other Revenue $35,186

TOTAL REVENUE $359,805

Expense Breakdown

Grants Paid $0

Salaries & Benefits $200,763

Fundraising Expenses $11,514

Program Expenses $179,635

Other Expenses $74,562

TOTAL EXPENSES $275,325

Year-over-Year Comparison

	2023	2022	Change
Revenue	$359,805	$253,952	+0.4%
Expenses	$275,325	$220,927	+0.2%
Net Income	$84,480	$33,025	+1.6%

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

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

$165,000

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Tony Leahy	Executive Director	060.00	Director Highest	$165,000	$0	$165,000
Sandra Jones	Director	001.00	Director	$0	$0	$0
Jennifer Aspaas	Director	001.00	Director	$0	$0	$0
David Neu	Director	001.00	Director	$0	$0	$0
Brian Free	Director	001.00	Director	$0	$0	$0
Melissa Huelsman	Director	001.00	Director	$0	$0	$0
John Kaplan	Director	001.00	Director	$0	$0	$0
William Malaier	Director	001.00	Director	$0	$0	$0
Hugh McCullough	Director	001.00	Director	$0	$0	$0
Andrew Morton	Director	001.00	Director	$0	$0	$0
Todd Tracy	Director	001.00	Director	$0	$0	$0
David Papiez	Director	001.00	Director	$0	$0	$0
Michelle Kaplan	Director	001.00	Director	$0	$0	$0
Garrett Sloan	Director	001.00	Director	$0	$0	$0
James Zack	President	002.00	Officer Director	$0	$0	$0
Jane Pearson	Director	001.00	Director	$0	$0	$0
Alicia Thomas	Director	001.00	Director	$0	$0	$0
Hilary Mohr	Director	001.00	Director	$0	$0	$0
Aditi Paranjpye	Vice President	002.00	Officer Director	$0	$0	$0
Vincente Barraza	Director	001.00	Director	$0	$0	$0
Thomas Buford	Director	001.00	Director	$0	$0	$0
Kern Gillette	Treasurer	002.00	Officer Director	$0	$0	$0
Dan Hagen	Director	001.00	Director	$0	$0	$0
Ella Vincent	Director	001.00	Director	$0	$0	$0
Dan Youngblut	Secretary	002.00	Officer Director	$0	$0	$0
Latife Neu	Director	001.00	Director	$0	$0	$0
Will Corbit	Director	001.00	Director	$0	$0	$0
Fayre Rasch	Director	001.00	Director	$0	$0	$0
Mallory Satre	Director	001.00	Director	$0	$0	$0
CHristy Tobin-Presser	Director	001.00	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	No data	No data	No data	No data
2023	$359,805	$275,325	$429,539	$84,480
2022	$253,952	$220,927	$325,804	$33,025
2021	$228,882	$211,131	$276,555	$17,751
2020	$198,195	$162,434	$346,560	$35,761
2019	$215,705	$191,788	$277,307	$23,917
2018	$201,562	$135,445	$253,390	$66,117

Consumer Education and Training Services