Significant liabilities relative to assets, though potentially normal for a lending organization
Lack of detailed expense breakdown (program, admin, fundraising) in provided data
Strengths
Consistent reporting of 0% officer compensation, indicating strong resource allocation to mission
Significant asset growth, from $29,075,243 in 2014 to $48,062,600 in 2023
Substantial revenue generation, with a peak of $9,759,428 in 2023
Spending Breakdown
How Neighborhood Lending Partners 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 Neighborhood Lending Partners Inc
Is Neighborhood Lending Partners Inc a legitimate charity?
Based on AI analysis of IRS 990 filings, Neighborhood Lending Partners Inc (EIN: 205653201) appears trustworthy. Mission Score: 85/100. 2 red flags identified, 3 strengths noted.
Is Neighborhood Lending Partners Inc a good charity to donate to?
Neighborhood Lending Partners Inc has a Mission Score of 85/100. Revenue: $3.8M. Assets: $78.4M. Review the full transparency report for detailed spending breakdown and executive compensation analysis.
What is the EIN for Neighborhood Lending Partners Inc?
The Employer Identification Number (EIN) for Neighborhood Lending Partners Inc is 205653201. 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 Neighborhood Lending Partners Inc spend its money?
Neighborhood Lending Partners Inc allocates 85% to programs, 10% to administration, and 5% to fundraising. Healthy nonprofits typically spend 75%+ on programs.
How can I verify Neighborhood Lending Partners Inc's tax-exempt status?
You can verify Neighborhood Lending Partners Inc's tax-exempt status using EIN 205653201 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
Neighborhood Lending Partners Inc (NLP) demonstrates a generally sound financial position, with significant asset growth over the past few years, reaching $48,062,600 in 2023. The organization's revenue has shown considerable fluctuation, with a notable spike to $9,759,428 in 2023, indicating potential for large project-based funding or investment income. Expenses have remained relatively stable, suggesting efficient operational management despite revenue volatility. The consistent reporting of 0% officer compensation across all available filings is a strong indicator of transparency and a commitment to directing resources towards its mission, rather than executive pay. However, without a detailed breakdown of program, administrative, and fundraising expenses, a precise assessment of spending efficiency is challenging. The substantial liabilities, such as $27,172,077 in 2023, suggest that NLP likely operates with significant debt, possibly related to its lending activities, which is typical for a financial intermediary but warrants closer examination of its debt management strategies. Overall, NLP appears to be a financially stable organization with a strong commitment to transparency regarding executive compensation, but further detail on expense allocation would enhance a full financial health assessment.