Oregon Consumer Justice EIN 82-0850234

Oregon Consumer Justice

EIN  82-0850234 Public charity (501(c)(3)) Portland, OR Founded 2016
Form 990 (PDF) Compare with another nonprofit →
Verified accurate 8/13/26 · see original filing: IRS
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Size
$1–10M
What they do
Advocates for a safe and fair marketplace, balancing consumer justice for all Oregonians.
Leadership
Jagjit Nagra · Executive Director · $237K
Money in and out
$9.2M revenue, $12.3M expenses
Bottom line
95% program efficiency

Advocates for a safe and fair marketplace, balancing consumer justice for all Oregonians. For fiscal year 2025 it reported $9.2M in revenue, $12.3M in expenses, and $1.2M in net assets.Pt I

Where the money goes · FY2025
Total revenue
$9.2M
Pt VIII · Ln 12
Total expenses
$12.3M
Pt IX · Ln 25
Net assets
$1.2M
Pt X · Ln 32
Revenue less expenses (Pt I · Ln 19): −$3.1M
Where spending went · Part IX cols B–D
Program services $0.95 Management & general $0.05
Program efficiency
95%
of spending reaches programs0% vs prior filing year
Operating runway
21.0mo
months of highly liquid reserves at operating expense rate▲ +46% vs prior filing year
Surplus margin
-33%
revenue over expenses, this year▼ -6093% vs prior filing year

Summary of the Filing

Part I · fiscal year 2025 · Form 990
Revenue
$9.2M
FY2025▼ -32%
Expenses
$12.3M
FY2025▼ -9%
Total assets
$23.2M
FY2025▲ +15%
Total liabilities
$22.1M
FY2025▲ +37%
Total revenue
$9.2M
Pt VIII · Ln 12
Total expenses
$12.3M
Pt IX · Ln 25
Net assets
$1.2M
Pt X · Ln 32
Revenue less expensesPt I · Ln 19−$3.1M
Total assetsPt X · Ln 16$23.2M
Program-expense ratioPt IX · col B95%
Voting members of governing bodyPt I · Ln 38
Independent voting membersPt I · Ln 41
Mission & Programs · Part III

Where the work happens

3 program services account for $11.6M of program spending, described in the organization's own filed words · FY2024.
01

Law

We support oregonians confronting unlawful practices in taking legal action and finding justice through our courts. Through our legal partners at oregon consumer justice law PC, and our network of consumer attorneys statewide, we connect people with the support they deserve - especially those who've had little to no access to legal…

$9.5Mprogram expense
02

Policy

Over the past year, the policy team has made significant strides, expanding our ability to engage in impactful state and federal work. We've created new roles, including separate directors for state and federal policy, and have seen the benefits of hiring permanent staff in the fall.

$1.2Mprogram expense
03

Communications + Engagement

Last summer, we publicly announced the rollout of our new educational tools and access to justice solutions to provide oregonians with greater support to protect themselves against predatory practices and law-breaking companies.

$927Kprogram expense

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Identity & Classification

Form 990 Header · IRS Business Master File
Legal nameHdr · item COregon Consumer Justice
EINHdr · item D82-0850234
Principal addressHdr · item CPortland, OR
WebsiteHdr · item Jwww.ocj.org
Year of formationHdr · item L2016
State of legal domicileHdr · item MOR
Exempt statusHdr · item I501(c)(3) · active
NTEE classificationIRS BMFCrime & Legal (I83)
Ruling yearIRS BMFDec 2019

Governance & Policies

Part VI
Voting members of the governing bodyPt VI · Ln 1a8
Independent voting membersPt VI · Ln 1b1
Conflict-of-interest policyPt VI · Ln 12aYes
Whistleblower policyPt VI · Ln 13Yes
Document retention policyPt VI · Ln 14Yes
CEO/top-official compensation independently reviewedPt VI · Ln 15aYes
Family or business relationships among officers/directorsPt VI · Ln 2No

Officers, Directors & Key Employees

Part VII, Section A · reportable compensation · most recent filed roster (FY2024); the FY2025 filing did not itemize Part VII
Executive Director
$236,945Pt VII · Sec A
Director of Finance & Administration
$169,482Pt VII · Sec A
Policy Director
$156,271Pt VII · Sec A
Associate Director
$149,608Pt VII · Sec A
Communications & Engagement Director
$130,548Pt VII · Sec A
Director of Executive Office Ops
$108,665Pt VII · Sec A
$6,000Pt VII · Sec A
$6,000Pt VII · Sec A

Jagjit Nagra’s $237K as Executive Director is at the 92nd percentile of top reported officer pay among 1146 $1–10M crime & legal nonprofits. Peer set: organizations in the same NTEE major field of work and revenue-size band, compared on each org’s own highest-paid officer/key-employee, from Form 990 Part VII / 990-PF Part VIII. Descriptive placement, not a verdict on whether the pay is appropriate.

Compensation history total reportable pay by year · 8 named individuals · Part VII

NameFY2025FY2024FY2023FY2022FY2021
Jagjit Nagra$236,945$252,378$193,023
Robert Le$196,080
Amanda Green$169,482$154,425$52,495
Christina Couglin$156,271
Lisa Watson$149,608
Michelle Luedtke$130,548$118,680
Chris Coughlin$122,349
Christina Coughlin$122,348

Total reportable compensation (Form 990 Part VII column D / Schedule J column E) by filing year, matched by name within this organization. The Schedule J base / bonus / deferred breakdown is not parsed into this dataset.

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Statement of Revenue

Part VIII
Contributions & grants$8.0M · 87%
Investment income$1.2M · 13%
Contributions & grants87%$8.0M
Investment income13%$1.2M
Total revenueLn 12$9.2M

Statement of Functional Expenses

Part IX · allocated across program, management, and fundraising
Allocation · columns B–D
Program services $0.95 Management & general $0.05
Program services95%$11.6M
Management & general5%$642K
Total functional expensesLn 25$12.3M

Balance Sheet

Part X · end of year
CashLn 1$857K
Total assetsLn 16$23.2M
Total liabilitiesLn 26$22.1M
Total net assetsLn 32$1.2M
Months of cash on handcomputed0.8

Financial Metrics

Form 990 · FY2025 · each ratio shown with the dollars behind it
Liquidity & Payout
Operating runway
Highly liquid reserves $21.5M · Operating expenses/yr $12.3M
21.0 months
Where the money goes
Program services
Program services $11.6M · Total expenses $12.3M
95%
Management & General
Management & general $642K · Total expenses $12.3M
5%
Fundraising
Fundraising $0 · Total expenses $12.3M
0%
Cost to raise $1
Fundraising expense (3-yr avg) $0 · Solicited contributions (3-yr avg) $9.3M
Solicited contributions below reporting floor
Where the money comes from
Contribution dependence
Contributions & grants $8.0M · Total revenue $9.2M
87%
Government reliance
Government grants — · Total revenue $9.2M
Earned-income share
Program service revenue $0 · Total revenue $9.2M
0%
Investment reliance
Investment income $1.2M · Total revenue $9.2M
+13%
Program self-sufficiency
Program service revenue $0 · Total expenses $12.3M
0%
Growth & trend
Revenue growth (YoY)
This year $9.2M · Prior year $13.6M
-32%
Revenue CAGR
FY2019 $451K · FY2024 $9.2M
+83%
Net-asset trend (YoY)
End of year $1.2M · Beginning of year —
Beginning net assets not meaningfully positive — showing dollar change
Balance sheet
Surplus Margin
Revenue $9.2M · Expenses $12.3M
-33%
Liabilities-to-Assets
Total liabilities — · Total assets $23.2M
Net-asset ratio
Net assets $1.2M · Total assets $23.2M
5%
Marketable Investment Share
Publicly traded securities (Pt X, ln 11) $20.6M · Other securities (Pt X, ln 12) — · Total assets (Pt X, ln 16) $23.2M
89%
People & payroll
Highest Reported Total Compensation
Individual Jagjit Nagra · Reported title EXECUTIVE DIRECTOR · Highest reported compensation $237K · Total expenses $12.3M
2%
Personnel share
Salaries, benefits & payroll (Pt IX 5-10) $2.1M · Total expenses $12.3M
17%
Peer comparison

Same NTEE category, revenue band, and state where available. Descriptive — not a grade.

MetricThis orgPeer medianPercentile
Program ratio 95%
Overhead ratio 5%
Fundraising cost ratio 0%
Revenue growth -32%
Legal fee ratio 0%
Accounting fee ratio 1%

Straight from the Form 990 — descriptive, not an evaluation. A ratio is hidden when its base is zero or too small to be meaningful; the dollars are always shown.

Grants

Schedule I · received and paid
Grants received · FY2024
Total grants receivedfrom 1 funder$8.0M
Grants paid · 111 grants · $26.1M · 2019–2024
Ocj LawFY2024$9,011,799
University of OregonFY2024$300,000
Unitemized GrantFY2024$139,629
Ocj LawFY2023$9,062,184
University of OregonFY2023$300,000
Unitemized GrantFY2023$113,128
University of OregonFY2022$300,000
Unitemized GrantFY2022$106,490
Street Roots INCOR · FY2022$10,000
Oregon Consumer LeagueOR · FY2022$10,000
Bienestar INCOR · FY2022$10,000
University of OregonFY2021$300,000
Bienestar INCOR · FY2021$215,000
Rogue Action CenterOR · FY2021$200,000
Oregon Health Equity AllianceOR · FY2021$200,000
See all 111 grants →

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Filings & Schedule Manifest

Part IV
III · Programs I · Grants R · Related orgs G · Fundraising L · Interested persons A · Public support F · Foreign M · Noncash
FY2025 (Latest)$9.2M revenue · viewing · ⤓ 990 PDF
FY2024$13.6M revenue · ⤓ 990 PDF
FY2023$7.1M revenue · ⤓ 990 PDF
FY2022$5.0M revenue · ⤓ 990 PDF
FY2021$6.0M revenue · ⤓ 990 PDF
FY2020$451K revenue · ⤓ 990 PDF

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Sources

Every figure above is drawn from these filings
Form 990 e-file (XML) · FY2025IRS
Classification, formation year, addressIRS Business Master File
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