Cub Consumer Education And Researchfund
Cub Consumer Education And Researchfund experiences fluctuating revenues and expenses, with recent asset decline.
EIN: 204904719 · Chicago, IL · NTEE: C30 · Updated: 2026-03-28
| Metric | Value |
|---|---|
| Total Revenue | $3.7M |
| Total Expenses | $2.5M |
| Program Spending | 80% |
| Net Assets | $393K |
| Transparency Score | 75/100 |
Is Cub Consumer Education And Researchfund Legit?
Some Concerns
Assessment based on IRS 990 filings, spending patterns, and AI analysis. Not a guarantee of legitimacy. Full charity check →
Cub Consumer Education And Researchfund directs 80% of its spending to programs. This exceeds the industry benchmark of 65%, indicating strong mission focus.
About Cub Consumer Education And Researchfund
Cub Consumer Education And Researchfund (EIN: 204904719) is a nonprofit organization based in Chicago, IL, classified under NTEE code C30. The organization reported total revenue of $3.7M and total assets of $2.0M according to its most recent IRS 990 filing. This transparency report provides an AI-powered analysis of Cub Consumer Education And Researchfund's financial health, spending patterns, executive compensation, and overall mission effectiveness based on publicly available IRS data.
Organization Overview
Cub Consumer Education And Researchfund is a mid-size nonprofit that has been operating for 20 years, with 13 years of IRS 990 filings on record (2011–2023). Revenue has grown at a compound annual rate of 5.3%.
Key Financial Metrics (2023)
From the most recent IRS 990 filing on record:
| Total Revenue | $1.7M |
| Total Expenses | $2.5M |
| Surplus / Deficit | $-744,190 |
| Total Assets | $502K |
| Total Liabilities | $109K |
| Net Assets | $393K |
| Operating Margin | -43.2% |
| Debt-to-Asset Ratio | 21.8% |
| Months of Reserves | 2.4 months |
Financial Health Grade: C
In 2023, Cub Consumer Education And Researchfund reported a deficit of $744K with expenses exceeding revenue, holds 2.4 months of operating reserves (limited), has a debt-to-asset ratio of 21.8% (moderate leverage).
Financial Trends
Over 13 years of filings (2011–2023), Cub Consumer Education And Researchfund's revenue has grown at a compound annual growth rate (CAGR) of 5.3%.
| Year | Revenue Change | Expense Change | Asset Change |
|---|---|---|---|
| 2023 | -43.9% | -10.1% | -64.1% |
| 2022 | +37.9% | +3.3% | +4.4% |
| 2021 | -26.7% | -0.6% | -8.4% |
| 2020 | +15.7% | +3.0% | +42.2% |
| 2019 | -1.2% | +9.0% | -3.5% |
IRS Tax-Exempt Classification
| IRS Classification Codes | 2000 |
| IRS Ruling Date | 2006 |
Classification data from ProPublica Nonprofit Explorer. Additional BMF data may be available after enrichment.
AI Transparency Report
Mission Effectiveness Score
NonprofitSpending's AI analysis rates Cub Consumer Education And Researchfund with a Mission Score of 75 out of 100 (Good). This score reflects the organization's overall financial transparency, program spending efficiency, and governance indicators derived from IRS 990 public filings.
Spending Breakdown
- admin: 15%
- programs: 80%
- fundraising: 5%
According to IRS 990 filings, Cub Consumer Education And Researchfund allocates its expenses as follows: admin: 15%, programs: 80%, fundraising: 5%. With 80% directed toward programs, this reflects a strong commitment to its charitable mission.
Key Financial Metrics (2023)
From the most recent IRS 990 filing on record:
- The organization reported a deficit of $744K, with expenses exceeding revenue.
- Debt-to-asset ratio: 21.8%.
Executive Compensation Analysis
Executive compensation is consistently reported as 0% across all available filings, indicating that no officers receive compensation, which is highly favorable for resource allocation towards the organization's mission.
Executive compensation data is sourced from IRS 990 filings, which require nonprofits to disclose the compensation of officers, directors, trustees, and key employees. NonprofitSpending analyzes this data relative to the organization's total revenue and sector benchmarks to assess whether executive pay is reasonable.
Red Flags
The following concerns were identified during AI analysis of Cub Consumer Education And Researchfund's IRS 990 filings:
- Expenses exceeded revenue in multiple recent periods (e.g., 202312, 202112), indicating operating deficits.
- Significant decline in assets from $1,397,590 in 202212 to $502,285 in 202312.
- Fluctuating revenue and asset base, suggesting potential financial unpredictability.
Strengths
The following positive indicators were identified for Cub Consumer Education And Researchfund:
- Consistent reporting of 0% officer compensation, indicating efficient use of funds for mission-related activities.
- Long history of IRS 990 filings (13 filings), demonstrating commitment to transparency and compliance.
- Latest revenue of $3,716,917 indicates a substantial operational scale.
Frequently Asked Questions about Cub Consumer Education And Researchfund
Is Cub Consumer Education And Researchfund a legitimate charity?
Cub Consumer Education And Researchfund (EIN: 204904719) is a registered tax-exempt nonprofit based in Illinois. Our AI analysis gives it a Mission Score of 75/100. It has 13 years of IRS 990 filings on record. Total revenue: $3.7M. 3 red flags identified. 3 strengths noted. Financial health grade: C.
How does Cub Consumer Education And Researchfund spend its money?
Cub Consumer Education And Researchfund directs 80% of its spending to programs and services. Fundraising costs 5%. This exceeds the 65% industry benchmark.
Are donations to Cub Consumer Education And Researchfund tax-deductible?
Cub Consumer Education And Researchfund is registered as a tax-exempt nonprofit (EIN: 204904719). Donations to most 501(c)(3) organizations are tax-deductible. Consult a tax professional for your specific situation.
What percentage of Cub Consumer Education And Researchfund's spending goes to programs?
Cub Consumer Education And Researchfund directs 80% to programs, 5% to fundraising. This exceeds the 65% industry benchmark for efficient nonprofits.
How does Cub Consumer Education And Researchfund compare to similar nonprofits?
With a transparency score of 75/100 (Good), Cub Consumer Education And Researchfund is above average for NTEE category C30 nonprofits. The score reflects financial transparency, program spending efficiency, and governance quality based on IRS 990 data.
Where is Cub Consumer Education And Researchfund located?
Cub Consumer Education And Researchfund is headquartered in Chicago, Illinois and files with the IRS under EIN 204904719. It is classified under NTEE code C30.
How many years of IRS 990 filings does Cub Consumer Education And Researchfund have?
Cub Consumer Education And Researchfund has 13 years of IRS 990 filings on record at NonprofitSpending. This extensive filing history provides a strong basis for evaluating long-term financial trends. The most recent filing shows $3.7M in total revenue.
Is Cub Consumer Education And Researchfund financially stable?
The organization shows periods of financial instability, with expenses exceeding revenue in several years (e.g., 202312, 202112, 201512). Additionally, assets significantly decreased from $1,397,590 in 202212 to $502,285 in 202312, suggesting potential challenges.
How does the organization manage its assets?
Asset management shows volatility, with assets dropping from $1,397,590 in 202212 to $502,285 in 202312. This significant decrease warrants further inquiry into the reasons behind such fluctuations.
What is the organization's approach to executive compensation?
The organization reports 0% officer compensation in all available filings, indicating a strong commitment to directing funds away from executive salaries and towards its programs.
Are there any concerns about the organization's liabilities?
Liabilities have fluctuated, reaching a high of $531,630 in 202112. While they decreased to $109,362 in 202312, the historical variability suggests a need to monitor debt management.
Filing History
IRS 990 filing history for Cub Consumer Education And Researchfund showing financial trends over 13 years of public records:
Over 13 years of IRS 990 filings (2011–2023), Cub Consumer Education And Researchfund's revenue has grown by 86.9%, moving from $923K to $1.7M. Total assets decreased by 38.2% over the same period, from $813K to $502K. Total functional expenses rose by 74.6%, from $1.4M to $2.5M. In its most recent filing year (2023), Cub Consumer Education And Researchfund reported a deficit of $744K, with expenses exceeding revenue. The organization holds $109K in liabilities against $502K in assets (debt-to-asset ratio: 21.8%), resulting in net assets of $393K.
| Year | Revenue | Expenses | Assets | Liabilities | Officer Comp. % | |
|---|---|---|---|---|---|---|
| 2023 | $1.7M | $2.5M | $502K | $109K | — | — |
| 2022 | $3.1M | $2.7M | $1.4M | $261K | — | View 990 |
| 2021 | $2.2M | $2.7M | $1.3M | $532K | — | View 990 |
| 2020 | $3.0M | $2.7M | $1.5M | $227K | — | View 990 |
| 2019 | $2.6M | $2.6M | $1.0M | $164K | — | View 990 |
| 2018 | $2.7M | $2.4M | $1.1M | $237K | — | View 990 |
| 2017 | $2.1M | $2.0M | $700K | $154K | — | View 990 |
| 2016 | $2.2M | $2.1M | $633K | $150K | — | View 990 |
| 2015 | $1.7M | $1.7M | $444K | $121K | — | View 990 |
| 2014 | $1.9M | $1.9M | $600K | $265K | — | View 990 |
| 2013 | $1.1M | $1.3M | $633K | $332K | — | View 990 |
| 2012 | $1.8M | $1.4M | $713K | $216K | — | View 990 |
| 2011 | $923K | $1.4M | $813K | $792K | — | View 990 |
Year-by-Year Financial Summary
- 2023: Revenue of $1.7M, expenses of $2.5M, and assets of $502K (revenue -43.9% year-over-year).
- 2022: Revenue of $3.1M, expenses of $2.7M, and assets of $1.4M (revenue +37.9% year-over-year).
- 2021: Revenue of $2.2M, expenses of $2.7M, and assets of $1.3M (revenue -26.7% year-over-year).
- 2020: Revenue of $3.0M, expenses of $2.7M, and assets of $1.5M (revenue +15.7% year-over-year).
- 2019: Revenue of $2.6M, expenses of $2.6M, and assets of $1.0M (revenue -1.2% year-over-year).
- 2018: Revenue of $2.7M, expenses of $2.4M, and assets of $1.1M (revenue +27.3% year-over-year).
- 2017: Revenue of $2.1M, expenses of $2.0M, and assets of $700K (revenue -6.2% year-over-year).
- 2016: Revenue of $2.2M, expenses of $2.1M, and assets of $633K (revenue +30.9% year-over-year).
- 2015: Revenue of $1.7M, expenses of $1.7M, and assets of $444K (revenue -10.1% year-over-year).
- 2014: Revenue of $1.9M, expenses of $1.9M, and assets of $600K (revenue +77.2% year-over-year).
- 2013: Revenue of $1.1M, expenses of $1.3M, and assets of $633K (revenue -42.2% year-over-year).
- 2012: Revenue of $1.8M, expenses of $1.4M, and assets of $713K (revenue +100.1% year-over-year).
- 2011: Revenue of $923K, expenses of $1.4M, and assets of $813K.
View Individual Filing Years
Explore detailed financial data from each IRS 990 filing year for Cub Consumer Education And Researchfund:
Data Sources and Methodology
This transparency report for Cub Consumer Education And Researchfund is generated by NonprofitSpending's AI analysis engine. The data is sourced from publicly available IRS 990 filings accessed through the ProPublica Nonprofit Explorer API and IRS electronic filing records. The Mission Score, spending breakdown, and other analytical insights are produced by artificial intelligence and should be used as one of multiple factors when evaluating a nonprofit organization.
IRS 990 forms are annual information returns that most tax-exempt organizations must file with the IRS. These forms provide detailed financial information including revenue, expenses, assets, liabilities, and compensation of officers. NonprofitSpending processes this data to provide accessible transparency reports for donors, researchers, and the general public.
Disclaimer
AI-generated analysis based on IRS public records. Not financial or legal advice. Verify information directly with the organization.