Is American Property Casualty Insurance…

Quick charity verification for American Property Casualty Insurance Association (EIN: 200487810)

Spending Breakdown

How American Property Casualty Insurance Association allocates its funds across programs, administration, and fundraising.

70%

Program Spending

Below average — room for improvement

20%

Admin Costs

Reasonable — admin costs in check

10%

Fundraising

Within typical range

How to read this: Well-run charities typically spend 75% or more on programs, keep admin under 25%, and fundraising under 15%. A high program ratio means more of every dollar goes directly to the mission.

How to Interpret This Report

What Red Flags Mean

Red flags are potential warning signs identified by AI analysis of IRS 990 filings. They may indicate issues like declining revenue, high executive pay relative to program spending, lack of transparency, or governance concerns. A single red flag does not necessarily mean an organization is untrustworthy, but multiple flags warrant further investigation before donating.

What Mission Score Measures

The Mission Score (0-100) evaluates how effectively a nonprofit fulfills its stated purpose. It combines multiple factors: program spending efficiency (how much goes to programs vs. overhead), financial health and sustainability, governance quality, transparency in reporting, and consistency of operations over time. A score of 70+ indicates strong alignment with the organization’s mission.

Using This Data for Donation Decisions

Use this report as one input in your decision. Look at the overall Mission Score for a quick assessment, review red flags and strengths for specific concerns, check the spending breakdown to see where money goes, and compare executive compensation to the organization’s size. Consider viewing the full transparency report for deeper analysis, and always verify tax-exempt status with the IRS before making large donations.

Frequently Asked Questions about American Property Casualty Insurance Association

Is American Property Casualty Insurance Association a legitimate charity?

Based on AI analysis of IRS 990 filings, American Property Casualty Insurance Association (EIN: 200487810) appears trustworthy. Mission Score: 75/100. 1 red flag identified, 3 strengths noted.

Is American Property Casualty Insurance Association a good charity to donate to?

American Property Casualty Insurance Association has a Mission Score of 75/100. Revenue: $82.0M. Assets: $181.6M. Review the full transparency report for detailed spending breakdown and executive compensation analysis.

What is the EIN for American Property Casualty Insurance Association?

The Employer Identification Number (EIN) for American Property Casualty Insurance Association is 200487810. This is the unique tax ID assigned by the IRS.

What is a Mission Score?

The Mission Score is a 0-100 rating that measures how effectively a nonprofit fulfills its stated mission. It factors in program spending efficiency, financial transparency, governance practices, and outcome reporting. Scores above 70 indicate strong mission alignment, 40-69 suggest mixed performance, and below 40 signals potential concerns.

How does American Property Casualty Insurance Association spend its money?

American Property Casualty Insurance Association allocates 70% to programs, 20% to administration, and 10% to fundraising. Healthy nonprofits typically spend 75%+ on programs.

How can I verify American Property Casualty Insurance Association's tax-exempt status?

You can verify American Property Casualty Insurance Association's tax-exempt status using EIN 200487810 on the IRS Tax Exempt Organization Search (TEOS) at apps.irs.gov/app/eos. You can also request copies of their Form 990 directly from the organization, as they are required by law to provide them upon request.

AI Transparency Report

The American Property Casualty Insurance Association (APCIA) demonstrates consistent financial activity, with revenues and expenses generally increasing over the past decade. In the latest filing (202312), the organization reported revenues of $70,416,266 against expenses of $71,091,760, indicating a slight operating deficit for that period. However, the organization maintains substantial assets, reported at $172,600,156 in 202312, which have grown steadily from $108,545,899 in 201412, suggesting a strong financial foundation.

The APCIA's financial health appears stable, supported by a consistent asset base. The organization's NTEE code S41 (Business & Professional Associations) suggests its primary activities are advocacy and member services, which typically involve significant administrative and program-related expenses. The absence of reported officer compensation across all filings is a notable point regarding executive remuneration, indicating that executive salaries are likely embedded within general expenses or not reported as direct officer compensation in the provided data. Further analysis of functional expenses would be needed to fully assess spending efficiency, but the overall trend of revenue growth supporting increasing expenses is positive.

Transparency regarding executive compensation is high given the 0% reported officer compensation, which simplifies the analysis of direct executive payouts. However, without a detailed breakdown of functional expenses (program, administrative, fundraising), a complete assessment of spending efficiency is challenging. The consistent growth in assets over time, despite occasional operating deficits, points to sound financial management and a strong balance sheet.

Is American Property Casualty Insurance Association Legit?

Verdict: American Property Casualty Insurance Association appears trustworthy

Red Flags

Strengths