118792415RR0001 — 0160
Registered — Montreal, QC — Charitable Organization
Scores: Legitimacy 82/100 · Effectiveness 89/100
Financials: Revenue $620,061 · Expenditures $602,913
Association Cooperative d'Economie Familiale du Sud-Ouest de Montreal is a 42-year-old consumer advocacy and family economics organization serving Montreal's southwest neighborhoods, directing 93% of its spending to programs with zero fundraising costs. The organization's defining financial characteristic is its compensation ratio of 78.3% — high by general standards, but consistent with a service-delivery model where trained staff providing financial literacy counseling and consumer protection advocacy are the program itself. Revenue has grown steadily from $421,000 to $620,000 with low volatility.
Our Verdict: This is a well-established, mission-focused organization with four decades of service to Montreal families. Its high compensation ratio reflects a staffing-intensive counseling model where employees are the program, not overhead. Donors supporting consumer advocacy and financial literacy in southwest Montreal can give with confidence.