Is International Association Of Credit Portfolio Managers Inc Legit?
Quick charity verification for International Association Of Credit Portfolio Managers Inc (EIN: 134184184)
Verdict: International Association Of Credit Portfolio Managers Inc appears trustworthy
85/100Mission Score
$4.2MRevenue
$4.8MAssets
1Red Flags
5Strengths
Red Flags
Consistent 0% officer compensation for an organization with over $3.6M in revenue is unusual and warrants further inquiry into how leadership is compensated or structured.
Strengths
Consistent revenue growth, from $1,345,628 in 2015 to $3,695,901 in 2023, demonstrates strong financial health.
Healthy asset growth, with assets increasing from $2,739,929 in 2015 to $4,277,566 in 2023, indicating sound financial management.
Regularly operates with a surplus, such as in 2023 where revenue ($3,695,901) exceeded expenses ($3,539,072), contributing to financial stability.
Excellent compliance with IRS regulations, evidenced by 13 consistent 990 filings.
Low liability-to-asset ratio, with assets consistently exceeding liabilities, indicating a strong balance sheet.
Spending Breakdown
How International Association Of Credit Portfolio Managers 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 International Association Of Credit Portfolio Managers Inc
Is International Association Of Credit Portfolio Managers Inc a legitimate charity?
Based on AI analysis of IRS 990 filings, International Association Of Credit Portfolio Managers Inc (EIN: 134184184) appears trustworthy. Mission Score: 85/100. 1 red flag identified, 5 strengths noted.
Is International Association Of Credit Portfolio Managers Inc a good charity to donate to?
International Association Of Credit Portfolio Managers Inc has a Mission Score of 85/100. Revenue: $4.2M. Assets: $4.8M. Review the full transparency report for detailed spending breakdown and executive compensation analysis.
What is the EIN for International Association Of Credit Portfolio Managers Inc?
The Employer Identification Number (EIN) for International Association Of Credit Portfolio Managers Inc is 134184184. 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 International Association Of Credit Portfolio Managers Inc spend its money?
International Association Of Credit Portfolio Managers Inc allocates 85% to programs, 10% to administration, and 5% to fundraising. Healthy nonprofits typically spend 75%+ on programs.
How can I verify International Association Of Credit Portfolio Managers Inc's tax-exempt status?
You can verify International Association Of Credit Portfolio Managers Inc's tax-exempt status using EIN 134184184 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 International Association Of Credit Portfolio Managers Inc (IACPM) demonstrates consistent financial growth and stability over the past decade. Revenue has steadily increased from $1,345,628 in 2015 to $3,695,901 in 2023, indicating a healthy ability to attract resources. The organization consistently maintains a positive net asset position, with assets growing from $2,739,929 in 2015 to $4,277,566 in 2023, suggesting sound financial management and accumulation of reserves.
Spending efficiency appears strong, as expenses generally track closely with revenue, with the organization often operating with a surplus. For instance, in 2023, revenue of $3,695,901 exceeded expenses of $3,539,072, resulting in a surplus. The consistent reporting of 0% officer compensation across all available filings suggests a commitment to minimizing administrative overhead in this specific area, which is a positive indicator for donor confidence. However, without a detailed breakdown of program, administrative, and fundraising expenses, a complete assessment of spending efficiency is limited.
Transparency regarding executive compensation is excellent, with all filings indicating 0% officer compensation. The consistent filing of IRS Form 990s over 13 periods demonstrates a commitment to regulatory compliance and public disclosure. To further enhance transparency, a more detailed functional expense breakdown in the public filings would allow for a clearer understanding of how funds are allocated across programs, administration, and fundraising activities.