Quick charity verification for Insurance Trust For Delta Retirees Inc (EIN: 208503691)
Verdict: Insurance Trust For Delta Retirees Inc appears trustworthy
95/100Mission Score
$95.1MRevenue
$39.1MAssets
1Red Flags
5Strengths
Red Flags
Unusually low administrative and fundraising expenses (0-1%) may suggest some costs are miscategorized or absorbed by a related entity, warranting further investigation into the full scope of operations.
Strengths
Exceptional program spending ratio (99% of expenses dedicated to programs).
Consistent revenue growth and financial stability over a decade.
Zero reported officer compensation across all filings, indicating highly efficient or volunteer leadership.
Healthy asset growth and no reported liabilities in recent years.
Consistent surplus of revenue over expenses, contributing to financial resilience.
Spending Breakdown
How Insurance Trust For Delta Retirees Inc allocates its funds across programs, administration, and fundraising.
99%
Program Spending
Healthy — majority goes to mission
1%
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 Insurance Trust For Delta Retirees Inc
Is Insurance Trust For Delta Retirees Inc a legitimate charity?
Based on AI analysis of IRS 990 filings, Insurance Trust For Delta Retirees Inc (EIN: 208503691) appears trustworthy. Mission Score: 95/100. 1 red flag identified, 5 strengths noted.
Is Insurance Trust For Delta Retirees Inc a good charity to donate to?
Insurance Trust For Delta Retirees Inc has a Mission Score of 95/100. Revenue: $95.1M. Assets: $39.1M. Review the full transparency report for detailed spending breakdown and executive compensation analysis.
What is the EIN for Insurance Trust For Delta Retirees Inc?
The Employer Identification Number (EIN) for Insurance Trust For Delta Retirees Inc is 208503691. 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 Insurance Trust For Delta Retirees Inc spend its money?
Insurance Trust For Delta Retirees Inc allocates 99% to programs, 1% to administration, and 0% to fundraising. Healthy nonprofits typically spend 75%+ on programs.
How can I verify Insurance Trust For Delta Retirees Inc's tax-exempt status?
You can verify Insurance Trust For Delta Retirees Inc's tax-exempt status using EIN 208503691 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
Insurance Trust For Delta Retirees Inc demonstrates consistent financial stability and a strong commitment to its program services. Over the past decade, the organization has shown steady growth in both revenue and assets, with the latest reported revenue at $95,085,027 and assets at $39,140,091. The organization consistently spends a very high percentage of its expenses directly on program services, indicating efficient use of funds towards its mission. For instance, in 2023, out of $69,653,907 in expenses, a substantial portion was dedicated to programs.
The organization's financial health is further bolstered by its consistent surplus of revenue over expenses, contributing to asset growth without incurring liabilities in recent years. The absence of reported officer compensation across all available filings suggests a volunteer-led or very lean administrative structure, which enhances its spending efficiency. This structure, combined with clear financial reporting, points to a high degree of transparency and a focus on maximizing direct program impact for its beneficiaries.