Institute of Consumer Financial Education-ICFE

EIN: 942861426 501(c)(3)

San Diego, CA

Total Revenue
$37,919
Total Expenses
$90,233
Total Assets
$140,714
Net Assets
$140,714
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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
1982
Legal Domicile
CA
Principal Officer
Pete W Zivanchev
Phone
6192391401
Tax Period
2020-01-01 to 2020-12-31

Institute of Consumer Financial Education-ICFE, founded in 1982, is a micro nonprofit that reported $38K in total revenue in fiscal year 2020. Revenue fell 62% from the prior year — a significant decline worth monitoring. Expenses of $90K exceeded revenue, resulting in a 138% operating deficit.

Mission

Provider of consumer and professional financial education programs and certification courses.

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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%)

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Financial Overview (2020)

Revenue Breakdown

Contributions & Grants $0
Program Service Revenue $37,882
Investment Income $37
Other Revenue $0
TOTAL REVENUE $37,919

Expense Breakdown

Grants Paid $0
Salaries & Benefits $0
Fundraising Expenses $0
Program Expenses $44,251
Other Expenses $90,233
TOTAL EXPENSES $90,233

Year-over-Year Comparison

2020 2019 Change
Revenue $37,919 $98,914 -0.6%
Expenses $90,233 $103,288 -0.1%
Net Income $-52,314 $-4,374 +11.0%
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

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Governance

Voting Members
4
Independent Members
4
Employees
N/A
Volunteers
4

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
1
$15,959
Total Directors
3
$0
Key Employees
0
$0
Highest Compensated
0
reported
Name Title Hours/Week Role Reportable Comp Other Comp Total
Pete W Zivanchev Executive Director 25.00
Officer
$15,959 $0 $15,959
Eric Rumsey Chair Person 1.00
Director
$0 $0 $0
Elizabeth Reenie Secretary 1.00
Director
$0 $0 $0
Kellie Astle Treasurer 1.00
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
2020 $37,919 $90,233 $140,714 $-52,314
2019 $98,914 $103,288 $193,028 $-4,374
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