Institute of Consumer Financial Ed… - Form 990 Financial Data

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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

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.

Program Service Accomplishments

Program 1

Expenses: $44,251 Revenue: $37,919

Educate, train and certify financial service professionals in the areas of credit review, identity theft risk management, and debt collection compliance.

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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 $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

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

$15,959

Total Directors

Key Employees

Highest Compensated

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

Institute of Consumer Financial Education-ICFE