Steady growth in assets over the filing periods (e.g., from $194.1 million in 2011 to $230.7 million in 2016).
Positive net assets (Assets minus Liabilities) across all reported periods.
Spending Breakdown
How Five County Credit Union 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 Five County Credit Union
Is Five County Credit Union a legitimate charity?
Based on AI analysis of IRS 990 filings, Five County Credit Union (EIN: 10261795) shows mixed signals. Mission Score: 60/100. 2 red flags identified, 3 strengths noted.
Is Five County Credit Union a good charity to donate to?
Five County Credit Union has a Mission Score of 60/100. Revenue: $0. Assets: $0. Review the full transparency report for detailed spending breakdown and executive compensation analysis.
What is the EIN for Five County Credit Union?
The Employer Identification Number (EIN) for Five County Credit Union is 10261795. 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 Five County Credit Union spend its money?
Five County Credit Union allocates 85% to programs, 10% to administration, and 5% to fundraising. Healthy nonprofits typically spend 75%+ on programs.
How can I verify Five County Credit Union's tax-exempt status?
You can verify Five County Credit Union's tax-exempt status using EIN 10261795 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
Five County Credit Union, despite being listed with an EIN and filing IRS Form 990s, appears to operate as a financial institution rather than a traditional nonprofit charity. Its filings consistently show substantial revenues (e.g., $15.4 million in 2016) and assets (e.g., $230.7 million in 2016), typical of a credit union. The 'Officer Comp=0%' across all reported periods suggests that executive compensation is either not reported in this section of the 990 or is structured differently, which could impact transparency regarding leadership costs. Given its nature as a credit union, its 'spending efficiency' would be evaluated differently than a typical grant-making or service-providing charity, focusing more on operational efficiency and member services rather than program spending ratios. The organization's financial health appears stable with consistent revenue and asset growth over the years.