California Consumer Finance Association
Nonprofit profile at a glance
- EIN
- 464875096
- IRS 990-EZ coverage
- 2016–2016
- Forms available
- Form 990 2015, Form 990-EZ 2016
- Location
- Sacramento, CA, USA
- Phone
- 9164914094
- Rating
- 46
- Verdict
- MIXED
- Rating confidence
- Moderate
- Sector
- Chambers of Commerce & Business Leagues
Reported finances
- Revenue
- $140,000
- Expenses
- $238,799
- Assets
- $50,131
- Liabilities
- $1,800
Source: IRS Form 990-EZ. Selected filing: tax year 2016. Amounts in USD.
Leadership & pay
7 people listed
Executive titles in this filing
- Natasha Fooman (President)
People named in this filing
- Natasha Fooman (President)
- Vanessa Lugo (Secretary/Treas)
- Carol Stewart (Director)
Selected names, not a complete roster or a statement of current roles. Open leadership details for the complete filed list.
Source: IRS Form 990-EZ. Selected filing: tax year 2016. Names and roles reflect this filing, not necessarily current officeholders.
Overview
Mission
Provides consumers access to a variety of choices for legitimate, regulated short-term consumer loans and financial services.
What it reported doing in 2016
Continued website with information regarding consumer finance for members and the general public.
Operating model
- Revenue model
- Cannot be determined from the filing. The filing does not provide enough consistent revenue detail to tell how this nonprofit funds its work.
- Distribution model
- Transfer-based 990-EZ. The 990-EZ reports grants or member benefits, but it does not separate enough spending to show the nonprofit’s full delivery mix.
The verdict
MIXED - The filed numbers largely add up. A relatively small share of available resources goes toward mission work and revenue has declined or grown slowly.
Rating breakdown
- Financial Efficiency: 34
- Transparency & Controls: 70
- Sustainability: 19
- Growth: 0
Detailed rating inputs
Financial Efficiency
- Mission deployment rate: 55.4%; rating input score 55
- Program expense ratio: Limited
Transparency & Controls
- Consistency checks: 85.7%; rating input score 86; 0th percentile among comparable filings
- Major donor itemization: Limited
Sustainability
- Operating margin: -70.6%; rating input score 1; 1st percentile among comparable filings
- Total-asset coverage ratio: 0.21; rating input score 20; 20th percentile among comparable filings
- Liabilities to assets ratio: 0.04; rating input score 44; 44th percentile among comparable filings
- Officer compensation ratio: 0%; rating input score 65; 65th percentile among comparable filings
Growth
- Program expense growth: Limited
- Revenue growth: -30.8% per year; rating input score 0; 1st percentile among comparable filings
- Asset growth: -18.3% per year; rating input score 0; 8th percentile among comparable filings
Details
- Where the money goes: 55.4% of revenue deployed
- Governance: Filed governance answers
- Accomplishments: 2 filed program accomplishments
- Leadership: top reported pay $0 · 7 people listed
- Consistency: 6 of 6 current checks pass
- Schedules: 2 filed schedules
- Contacts: How to reach this organization
- Money network: 5 filed money-flow records
- Related organizations: 4 filed related-organization links
- Grant readiness: Federal tax and exclusion status, award history, and grant-maker relationships.
- People: Everyone the filings name, and which of them the filings identify by more than a name.
Key Signals
Signals prioritize questions for review. They are not findings of misconduct.
- Review — Financial Efficiency: Mission deployment rate scored 55/100.
- High — Growth: Revenue growth scored 0/100.
- High — Sustainability: Operating margin scored 1/100.
- High — Growth: Asset growth scored 0/100.
- High — Sustainability: Total-asset coverage ratio scored 20/100.
- Moderate — Sustainability: Liabilities to assets ratio scored 44/100.