118792381RR0001 — 0160
Registered — Montreal, QC — Charitable Organization
Scores: Legitimacy 74/100 · Effectiveness 89/100
Financials: Revenue $558,816 · Expenditures $553,282
ACEF de l'Est de Montréal is a 43-year-old consumer advocacy and financial literacy organization where 85.6% of expenditures go to compensation — reflecting its mandate as a staffing-intensive community education and counselling service. With 8.6 months of reserves (double the peer median), stable governance, and clean compliance, this is a financially secure community organization despite the headline-grabbing compensation ratio.
Our Verdict: A well-established and financially stable consumer advocacy organization with strong reserves and clean governance — the high compensation ratio reflects its education and counselling model where staff expertise is the core service, not a sign of excess.