Is Blackbelt & Central Alabama Housing Authority Legit?
Quick charity verification for Blackbelt & Central Alabama Housing Authority (EIN: 20663098)
Verdict: Blackbelt & Central Alabama Housing Authority appears trustworthy
85/100Mission Score
$282KRevenue
$69KAssets
2Red Flags
3Strengths
Red Flags
Assets often closely matched or equaled by liabilities, indicating minimal unencumbered reserves (e.g., 202312: Assets=$2,577, Liabilities=$2,577).
Significant year-over-year revenue volatility, which can challenge long-term financial stability and planning.
Strengths
Consistent 0% officer compensation, indicating high efficiency in directing funds away from executive salaries.
High program spending efficiency, as nearly all revenue is expended annually, suggesting direct application of funds to mission.
Long filing history (11 filings), indicating sustained operation over more than a decade.
Spending Breakdown
How Blackbelt & Central Alabama Housing Authority allocates its funds across programs, administration, and fundraising.
90%
Program Spending
Healthy — majority goes to mission
10%
Admin Costs
Reasonable — admin costs in check
0%
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 Blackbelt & Central Alabama Housing Authority
Is Blackbelt & Central Alabama Housing Authority a legitimate charity?
Based on AI analysis of IRS 990 filings, Blackbelt & Central Alabama Housing Authority (EIN: 20663098) appears trustworthy. Mission Score: 85/100. 2 red flags identified, 3 strengths noted.
Is Blackbelt & Central Alabama Housing Authority a good charity to donate to?
Blackbelt & Central Alabama Housing Authority has a Mission Score of 85/100. Revenue: $282K. Assets: $69K. Review the full transparency report for detailed spending breakdown and executive compensation analysis.
What is the EIN for Blackbelt & Central Alabama Housing Authority?
The Employer Identification Number (EIN) for Blackbelt & Central Alabama Housing Authority is 20663098. 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 Blackbelt & Central Alabama Housing Authority spend its money?
Blackbelt & Central Alabama Housing Authority allocates 90% to programs, 10% to administration, and 0% to fundraising. Healthy nonprofits typically spend 75%+ on programs.
How can I verify Blackbelt & Central Alabama Housing Authority's tax-exempt status?
You can verify Blackbelt & Central Alabama Housing Authority's tax-exempt status using EIN 20663098 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 Blackbelt & Central Alabama Housing Authority demonstrates a consistent operational pattern of spending nearly all its revenue, as evidenced by the 202312 filing showing $262,933 in revenue and $262,933 in expenses. This indicates a lean operational model, though it also means limited accumulation of reserves. The organization's assets have fluctuated significantly over the years, from a high of $59,461 in 201212 to a low of $160 in 201712, and currently stand at $2,577 as of 202312. This volatility in asset base, coupled with liabilities sometimes matching assets (e.g., 202312), suggests a tight financial position.
The consistent reporting of 0% officer compensation across all available filings is a significant indicator of financial efficiency and a commitment to directing funds towards the mission rather than executive salaries. While specific program spending details are not provided in the summary data, the absence of executive compensation suggests a high proportion of expenses likely go towards direct program activities or essential administrative overhead. The organization's revenue has shown considerable variability, from $27,950 in 201812 to $262,933 in 202312, which could pose challenges for long-term financial planning and stability.