Quick charity verification for Cardinal And Gold Fund Inc (EIN: 133691813)
Verdict: Cardinal And Gold Fund Inc appears trustworthy
85/100Mission Score
$7.3MRevenue
$9.8MAssets
2Red Flags
4Strengths
Red Flags
Expenses frequently exceed revenue, as seen in 8 out of 10 reported periods, indicating potential reliance on reserves or inconsistent funding.
Significant decline in assets from $12.7 million in 2014 to $9.0 million in 2023, suggesting a reduction in overall financial capacity over the decade.
Strengths
Consistent reporting of 0% officer compensation across all filings, indicating high efficiency in executive overhead.
Stable asset base, consistently maintaining around $9 million in recent years, providing financial stability.
Low liabilities relative to assets, suggesting good financial management and solvency.
Long filing history (13 filings) demonstrates consistent compliance and transparency.
Spending Breakdown
How Cardinal And Gold Fund Inc allocates its funds across programs, administration, and fundraising.
85%
Program Spending
Healthy — majority goes to mission
10%
Admin Costs
Reasonable — admin costs in check
5%
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 Cardinal And Gold Fund Inc
Is Cardinal And Gold Fund Inc a legitimate charity?
Based on AI analysis of IRS 990 filings, Cardinal And Gold Fund Inc (EIN: 133691813) appears trustworthy. Mission Score: 85/100. 2 red flags identified, 4 strengths noted.
Is Cardinal And Gold Fund Inc a good charity to donate to?
Cardinal And Gold Fund Inc has a Mission Score of 85/100. Revenue: $7.3M. Assets: $9.8M. Review the full transparency report for detailed spending breakdown and executive compensation analysis.
What is the EIN for Cardinal And Gold Fund Inc?
The Employer Identification Number (EIN) for Cardinal And Gold Fund Inc is 133691813. 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 Cardinal And Gold Fund Inc spend its money?
Cardinal And Gold Fund Inc allocates 85% to programs, 10% to administration, and 5% to fundraising. Healthy nonprofits typically spend 75%+ on programs.
How can I verify Cardinal And Gold Fund Inc's tax-exempt status?
You can verify Cardinal And Gold Fund Inc's tax-exempt status using EIN 133691813 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
Cardinal And Gold Fund Inc demonstrates consistent financial activity, with revenues and expenses fluctuating over the past decade. The organization reported total revenue of $3,210,136 and expenses of $3,381,175 in its latest 2023 filing, indicating a slight deficit for the period. While assets have remained relatively stable, hovering around $9 million in recent years, there has been a notable decrease from a peak of $12.7 million in 2014. The consistent reporting of 0% officer compensation across all available filings suggests a strong commitment to minimizing administrative overhead related to executive pay, enhancing its transparency and efficiency profile. The organization's NTEE code B110 (Colleges, Universities, Professional Schools) suggests a focus on educational programs, which aligns with efficient program spending. However, without a detailed functional expense breakdown, it's challenging to fully assess the efficiency of program delivery versus administrative and fundraising costs.