Quick charity verification for New Hampshire Community Loan Fund (EIN: 222524015)
Verdict: New Hampshire Community Loan Fund appears trustworthy
92/100Mission Score
$75.1MRevenue
$237.4MAssets
0Red Flags
5Strengths
No red flags identified.
Strengths
Significant revenue growth from $10.8 million in 2017 to $75 million in 2024, indicating strong fundraising and program success.
Consistent asset growth from $124 million in 2017 to $237 million in 2024, demonstrating financial stability and capacity.
Low administrative and fundraising expenses relative to program spending, indicating efficient use of funds.
Maintains a healthy liquidity position with liabilities consistently lower than assets.
Demonstrates a clear commitment to its mission through sustained program expansion and community impact.
Spending Breakdown
How New Hampshire Community Loan Fund allocates its funds across programs, administration, and fundraising.
80%
Program Spending
Healthy — majority goes to mission
10%
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 New Hampshire Community Loan Fund
Is New Hampshire Community Loan Fund a legitimate charity?
Based on AI analysis of IRS 990 filings, New Hampshire Community Loan Fund (EIN: 222524015) appears trustworthy. Mission Score: 92/100. 0 red flags identified, 5 strengths noted.
Is New Hampshire Community Loan Fund a good charity to donate to?
New Hampshire Community Loan Fund has a Mission Score of 92/100. Revenue: $75.1M. Assets: $237.4M. Review the full transparency report for detailed spending breakdown and executive compensation analysis.
What is the EIN for New Hampshire Community Loan Fund?
The Employer Identification Number (EIN) for New Hampshire Community Loan Fund is 222524015. 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 New Hampshire Community Loan Fund spend its money?
New Hampshire Community Loan Fund allocates 80% to programs, 10% to administration, and 10% to fundraising. Healthy nonprofits typically spend 75%+ on programs.
How can I verify New Hampshire Community Loan Fund's tax-exempt status?
You can verify New Hampshire Community Loan Fund's tax-exempt status using EIN 222524015 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
New Hampshire Community Loan Fund is a unknown nonprofit based in Concord, New Hampshire, with reported revenue of $75.1M and assets of $237.4M. Our AI analysis assigns a Mission Score of 92/100 (Excellent). Approximately 80% of spending goes to programs, 10% to administration, and 10% to fundraising. Executive compensation appears reasonable given the organization's size and impact, with the highest paid individual receiving $280,153 in 2024, which is appropriate for a CEO managing over $237 million in assets. Revenue has grown +134% across 14 filing periods.