Quick charity verification for Oneamerica (EIN: 200384893)
Verdict: Oneamerica appears trustworthy
92/100Mission Score
$3.9MRevenue
$6.3MAssets
2Red Flags
5Strengths
Red Flags
Unusually low liabilities relative to assets in some periods (e.g., 201412: Liabilities=$123,303 vs. Assets=$2,503,680), which could indicate conservative financial management or a lack of significant debt, but warrants understanding the funding model.
The consistent 0% officer compensation is highly unusual for an organization of this size and could indicate that executive compensation is reported under different categories or that the leadership is entirely volunteer-based, which might not be sustainable long-term without external support.
Strengths
Consistent revenue growth, with revenue increasing from $2,827,995 in 2018 to $4,976,987 in 2023.
Significant asset accumulation, growing from $1,439,636 in 2018 to $7,373,036 in 2023, indicating strong financial management.
Positive net income (revenue exceeding expenses) in most recent years, such as a $737,034 surplus in 202312 ($4,976,987 revenue - $4,239,953 expenses).
Zero reported officer compensation across all filings, suggesting a strong commitment to directing funds towards programmatic activities.
Healthy financial reserves, with assets significantly exceeding liabilities (e.g., 202312: Assets=$7,373,036 vs. Liabilities=$916,795).
Spending Breakdown
How Oneamerica 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 Oneamerica
Is Oneamerica a legitimate charity?
Based on AI analysis of IRS 990 filings, Oneamerica (EIN: 200384893) appears trustworthy. Mission Score: 92/100. 2 red flags identified, 5 strengths noted.
Is Oneamerica a good charity to donate to?
Oneamerica has a Mission Score of 92/100. Revenue: $3.9M. Assets: $6.3M. Review the full transparency report for detailed spending breakdown and executive compensation analysis.
What is the EIN for Oneamerica?
The Employer Identification Number (EIN) for Oneamerica is 200384893. 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 Oneamerica spend its money?
Oneamerica allocates 85% to programs, 10% to administration, and 5% to fundraising. Healthy nonprofits typically spend 75%+ on programs.
How can I verify Oneamerica's tax-exempt status?
You can verify Oneamerica's tax-exempt status using EIN 200384893 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
Oneamerica demonstrates generally sound financial health with consistent revenue growth and a strong asset base. In the latest filing (202312), the organization reported revenues of $4,976,987 against expenses of $4,239,953, indicating a surplus. Their assets have grown significantly, reaching $7,373,036 in 2023 from $1,832,990 in 2019, suggesting effective financial management and accumulation of resources. The organization's spending efficiency appears robust, with a healthy ratio of program expenses to total expenses, as evidenced by the consistent surpluses in recent years. Transparency is high given the readily available IRS 990 filings, and the reported 0% officer compensation across all available filings is a notable indicator of a commitment to directing funds towards the mission rather than executive pay.