Is New Hampshire Postal Credit Union Legit?…

Quick charity verification for New Hampshire Postal Credit Union (EIN: 20219109)

Spending Breakdown

How New Hampshire Postal Credit Union allocates its funds across programs, administration, and fundraising.

85%

Program Spending

Healthy — majority goes to mission

15%

Admin Costs

Reasonable — admin costs in check

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 Postal Credit Union

Is New Hampshire Postal Credit Union a legitimate charity?

Based on AI analysis of IRS 990 filings, New Hampshire Postal Credit Union (EIN: 20219109) appears trustworthy. Mission Score: 80/100. 2 red flags identified, 4 strengths noted.

Is New Hampshire Postal Credit Union a good charity to donate to?

New Hampshire Postal Credit Union has a Mission Score of 80/100. Revenue: $2.9M. Assets: $58.5M. Review the full transparency report for detailed spending breakdown and executive compensation analysis.

What is the EIN for New Hampshire Postal Credit Union?

The Employer Identification Number (EIN) for New Hampshire Postal Credit Union is 20219109. 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 Postal Credit Union spend its money?

New Hampshire Postal Credit Union allocates 85% to programs, 15% to administration, and 0% to fundraising. Healthy nonprofits typically spend 75%+ on programs.

How can I verify New Hampshire Postal Credit Union's tax-exempt status?

You can verify New Hampshire Postal Credit Union's tax-exempt status using EIN 20219109 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 New Hampshire Postal Credit Union demonstrates a stable financial position with consistent asset growth over the past decade, reaching $58,488,005 in 2023. Revenue has shown significant fluctuation, with a notable increase from $1,391,502 in 2022 to $2,919,431 in 2023, indicating a strong operational year. Expenses have also increased but at a slower rate, leading to a substantial surplus in the latest period. The organization consistently reports 0% officer compensation, which is a positive indicator for resource allocation directly to its mission. However, as a credit union, its primary purpose is to serve its members financially rather than operate as a traditional public charity, which influences the interpretation of its 'program spending'.

Given its structure as a credit union, the typical metrics for 'spending efficiency' as applied to a charitable nonprofit (e.g., program vs. administrative costs) are not directly comparable. Its 'programs' are financial services to members, and its 'expenses' largely cover the operational costs of providing these services. The consistent reporting of 0% officer compensation across all available filings suggests a commitment to minimizing overhead in this specific area. Transparency is generally good with consistent 990 filings, but without an NTEE code, its specific classification and mission focus are less clear from the provided data alone.

Overall, the credit union appears financially sound, with healthy asset growth and a positive revenue trend in the most recent year. Its operational model inherently differs from a grant-making or service-providing charity, meaning its financial health should be assessed through the lens of a member-owned financial institution rather than a traditional nonprofit.

Is New Hampshire Postal Credit Union Legit?

Verdict: New Hampshire Postal Credit Union appears trustworthy

Red Flags

Strengths