CONSUMER WATCHDOG (EIN 953993720) - 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

1985

Legal Domicile

Principal Officer

JAMIE COURT

Phone

3103920522

Tax Period

2023-01-01 to 2023-12-31

CONSUMER WATCHDOG, founded in 1985, is a community nonprofit in the Public & Societal Benefit sector that reported $3.4M in total revenue in fiscal year 2023. Revenue decreased 8% compared to the prior year. Expenses of $4.0M exceeded revenue, resulting in a 17% operating deficit.

Mission

TO CONDUCT PUBLIC EDUCATION, RESEARCH AND LITIGATION ON ISSUES INCLUDING CONSUMER PROTECTION AND GOVERNMENT REFORM.

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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 $2,501,245

Program Service Revenue $975,831

Investment Income $149,396

Other Revenue $-192,616

TOTAL REVENUE $3,433,856

Expense Breakdown

Grants Paid $0

Salaries & Benefits $2,519,346

Fundraising Expenses $163,230

Program Expenses $3,623,659

Other Expenses $1,502,659

TOTAL EXPENSES $4,022,005

Year-over-Year Comparison

	2023	2022	Change
Revenue	$3,433,856	$3,748,024	-0.1%
Expenses	$4,022,005	$4,059,158	0.0%
Net Income	$-588,149	$-311,134	+0.9%

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

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

$643,319

Total Directors

$413,569

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
JAMIE COURT	PRESIDENT	49.50	Officer Director	$355,740	$57,829	$413,569
ELLEN SNORTLAND	TREASURER/SECRETARY	1.00	Officer Director	$0	$0	$0
SCOTT OLSEN	BOARD MEMBER	1.00	Director	$0	$0	$0
ROSEANN DEMORO	BOARD MEMBER	1.00	Director	$0	$0	$0
TAMMY SMICK	BOARD MEMBER	1.00	Director	$0	$0	$0
CARMEN BALBER	EXECUTIVE DIRECTOR	49.50	Officer	$209,630	$20,120	$229,750
PAMELA PRESSLEY	SENIOR STAFF ATTORNEY	40.00	Highest	$187,425	$43,003	$230,428
GERALD FLANAGAN	LITIGATION DIRECTOR	40.00	Highest	$209,630	$21,974	$231,604
ELIZABETH TUCKER	ADVOCATE	40.00	Highest	$125,895	$6,505	$132,400
DANIEL STERNBERG	ATTORNEY	40.00	Highest	$106,436	$18,729	$125,165
BENJAMIN ARMSTRONG	STAFF ATTORNEY	40.00	Highest	$118,205	$8,279	$126,484

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	$3,433,856	$4,022,005	$4,475,329	$-588,149
2022	$3,748,024	$4,059,158	$5,372,051	$-311,134
2021	$4,267,187	$3,818,831	$4,994,329	$448,356
2020	$2,621,985	$3,635,352	$4,553,604	$-1,013,367
2019	$4,790,957	$3,508,420	$5,516,307	$1,282,537
2018	$3,247,083	$3,186,866	$4,258,545	$60,217

CONSUMER WATCHDOG