Is Network Branded Prepaid Card Association…

Quick charity verification for Network Branded Prepaid Card Association (EIN: 203689799)

Spending Breakdown

How Network Branded Prepaid Card Association allocates its funds across programs, administration, and fundraising.

70%

Program Spending

Below average — room for improvement

20%

Admin Costs

Reasonable — admin costs in check

10%

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 Network Branded Prepaid Card Association

Is Network Branded Prepaid Card Association a legitimate charity?

Based on AI analysis of IRS 990 filings, Network Branded Prepaid Card Association (EIN: 203689799) appears trustworthy. Mission Score: 75/100. 2 red flags identified, 4 strengths noted.

Is Network Branded Prepaid Card Association a good charity to donate to?

Network Branded Prepaid Card Association has a Mission Score of 75/100. Revenue: $1.5M. Assets: $880K. Review the full transparency report for detailed spending breakdown and executive compensation analysis.

What is the EIN for Network Branded Prepaid Card Association?

The Employer Identification Number (EIN) for Network Branded Prepaid Card Association is 203689799. 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 Network Branded Prepaid Card Association spend its money?

Network Branded Prepaid Card Association allocates 70% to programs, 20% to administration, and 10% to fundraising. Healthy nonprofits typically spend 75%+ on programs.

How can I verify Network Branded Prepaid Card Association's tax-exempt status?

You can verify Network Branded Prepaid Card Association's tax-exempt status using EIN 203689799 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 Network Branded Prepaid Card Association (NBPCA) demonstrates consistent financial activity, with annual revenues generally fluctuating between $1.3 million and $1.8 million over the past decade. The organization's assets have shown growth, reaching over $1 million in the latest filing period (202312), indicating a stable financial position. However, liabilities have also been substantial, often exceeding assets in earlier periods, though they have decreased relative to assets in recent years. The NBPCA consistently reports 0% officer compensation, which is a notable aspect of its financial structure and suggests that leadership is either unpaid or compensated through other means not categorized as officer compensation on the 990, or that the organization is primarily volunteer-led at the executive level. This practice, while potentially indicating a lean operational model, could also raise questions about the full scope of compensation if key personnel are compensated through related entities or contracts not fully transparent in this specific line item.

Spending efficiency appears to be reasonable, with expenses generally tracking closely with revenue. In some years, such as 202312, expenses ($1,615,078) slightly exceeded revenue ($1,533,771), leading to a minor deficit. Conversely, in 202212, revenue ($1,629,655) exceeded expenses ($1,528,982), indicating a surplus. The consistent reporting of 0% officer compensation suggests a high degree of transparency regarding executive pay, as it explicitly states no compensation is paid to officers. However, without a detailed breakdown of program, administrative, and fundraising expenses, a precise assessment of spending efficiency across these categories is challenging. The NBPCA's consistent filing of IRS Form 990s over 13 periods demonstrates a commitment to regulatory compliance and basic financial transparency.

Is Network Branded Prepaid Card Association Legit?

Verdict: Network Branded Prepaid Card Association appears trustworthy

Red Flags

Strengths