Consumer Bankers Association

Legal name: The Consumer Bankers Association

Nonprofit profile at a glance

EIN
530112431
IRS 990 coverage
2011–2024
Official website data refreshed
Sep 2026
Forms available
Form 990 2024
Location
Washington, DC, USA
Phone
2025526378
Rating
84
Verdict
STRONG
Rating confidence
Moderate

Official website

Reported finances

Revenue
$23,758,024
Expenses
$21,213,382
Assets
$28,107,391
Liabilities
$16,619,277

Source: IRS Form 990. Selected filing: tax year 2024. Amounts in USD.

Leadership & pay

38 people listed

Executive titles in this filing

  • LINDSEY JOHNSON (PRESIDENT & CHIEF EXECUTIVE OFFICER)
  • DAVID POMMEREHN (SENIOR VICE PRESIDENT & GENERAL COUNSEL)
  • JEAN BUNTON (EXECUTIVE VICE PRESIDENT & CHIEF OF STAFF)
  • THOMAS DENT (SENIOR VICE PRESIDENT)
  • KEVIN O'CONNOR (SENIOR VICE PRESIDENT)
  • SAMUEL WHITFIELD (SENIOR VICE PRESIDENT)

Highest reported compensation

  • LINDSEY JOHNSON (PRESIDENT & CHIEF EXECUTIVE OFFICER): $1,751,118 total reported compensation
  • KELVIN CHEN (SENIOR EXECUTIVE VICE PRES): $773,700 total reported compensation
  • SAMUEL WHITFIELD (SENIOR VICE PRESIDENT): $543,660 total reported compensation

Source: IRS Form 990. Selected filing: tax year 2024. Names and roles reflect this filing, not necessarily current officeholders.

Overview

Mission

The Consumer Bankers Association partners with the nation's leading retail banks to promote sound policy, prepare the next generation of diverse bankers to lead the industry, and finance the dreams of consumers and small businesses. The Consumer Bankers Association (CBA) is the only member-driven trade association focused exclusively on retail banking. Whether buying a home, financing an education or launching a small business, since 1919, our members have partnered with consumers to help them achieve the American dream. img CBA’s Mission. Participate with our members via our committees, the backbone of our organization Communicate broadly the vital services banks provide American consumers Advocate on behalf of our members and their customers with regulatory agencies and federal legislators; serve as the industry’s definitive resource for CFPB engagement, analysis and insight.

What it reported doing in 2024

Cba advanced education: the executive banking school is an executive program designed and delivered by leading industry practitioners to build a deep knowledge of the retail banking business and to sharpen skills in strategic decision making. The program teaches core principles associated with the executive responsibility of running a sound and successful bank over the long term. The cba onsite education brings cba's advanced education program to the retail banks. Cba onsite education takes participants out of their silos, where they will immediately apply learning through simulations and case studies, expanding their knowledge and understanding of organizational operation and growth potential.

Operating model

Revenue model
Other-operating. 94% of the money available for current operations came from other operating revenue.
Distribution model
Cannot be determined from the filing. The program-spending lines do not add up, so the filing cannot show reliably whether the nonprofit works directly or through others.

The verdict

STRONG - A large share of available resources goes toward mission work and the filed numbers largely add up. Some filing-based governance responses are negative or unanswered and total assets are small relative to annual expenses; liquid coverage is unknown.

Rating breakdown

  • Financial Efficiency: 75
  • Transparency & Controls: 93
  • Accountability: 91
  • Sustainability: 49
  • Growth: 100

Detailed rating inputs

Financial Efficiency

  • Mission deployment rate: 81%; rating input score 81
  • Program expense ratio: 88.5%; rating input score 89
  • Fundraising efficiency: Limited

Transparency & Controls

  • Consistency checks: 100%; rating input score 100; 62nd percentile among comparable filings
  • Pay-setting controls: 6 of 6 controls in place; rating input score 100
    • Compensation committee: Pass
    • Independent consultant: Pass
    • Other Form 990s reviewed: Pass
    • Written employment contract: Pass
    • Compensation survey or study: Pass
    • Board or committee approval: Pass
  • Foreign activity oversight: Limited
  • Grant itemization coverage: Limited
  • Major donor itemization: Limited
  • Related-party transparency: Limited

Accountability

  • Independent voting board: 100%; rating input score 100; 66th percentile among comparable filings
  • Governance controls: 7 of 9 controls in place; rating input score 78
    • Conflict-of-interest policy: Pass
    • Whistleblower policy: Pass
    • Document-retention policy: Pass
    • CEO compensation review process: Pass
    • Other executive compensation review process: Fail
    • Form 990 shared with the board: Fail
    • Board meeting minutes documented: Pass
    • Audit committee oversight: Pass
    • Independent financial-statement audit: Pass

Sustainability

  • Operating margin: 10.7%; rating input score 69; 69th percentile among comparable filings
  • Total-asset coverage ratio: 1.32; rating input score 46; 46th percentile among comparable filings
  • Liabilities to assets ratio: 0.59; rating input score 23; 23rd percentile among comparable filings
  • Officer compensation ratio: 26%; rating input score 2; 2nd percentile among comparable filings

Growth

  • Program expense growth: 20.1% per year; rating input score 100; 90th percentile among comparable filings
  • Revenue growth: 6.6% per year; rating input score 100; 56th percentile among comparable filings
  • Asset growth: 9% per year; rating input score 100; 60th percentile among comparable filings

Details

  • What they do: Mission, programs, and operating context captured from the official website.
  • Where the money goes: 81% of revenue deployed · 88.5% of spending went to programs
  • Governance: 28 of 28 board members independent · 7 of 9 filing controls reported
  • Programs: 8 filed program accomplishments · $18.8M in reported program spending
  • Leadership: top reported pay $1.8M · 38 people listed · 6 of 6 pay-setting controls reported
  • Highest-paid contractors: 5 contractors listed · $3.4M reported
  • Consistency: 34 of 34 current checks pass
  • Schedules: 4 filed schedules · includes executive pay
  • Filing history: 12 filing years from 2011 to 2024
  • Contacts: How to reach this organization
  • Money network: 10 filed money-flow records
  • 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.
  • Staff and benefit plans: Retirement and health plans the organization files with the Department of Labor, and the people in them.

Key Signals

Signals prioritize questions for review. They are not findings of misconduct.

  • Review — Accountability: Governance controls: 2 of 9 not reported.
  • Moderate — Sustainability: Total-asset coverage ratio scored 46/100.
  • High — Sustainability: Officer compensation ratio scored 2/100.
  • High — Sustainability: Liabilities to assets ratio scored 23/100.