Is Oxnard Peace Officers Association Retiree Medical Trust Legit?
Quick charity verification for Oxnard Peace Officers Association Retiree Medical Trust (EIN: 206303493)
Verdict: Oxnard Peace Officers Association Retiree Medical Trust appears trustworthy
85/100Mission Score
$25.0MRevenue
$40.7MAssets
2Red Flags
4Strengths
Red Flags
Unusually low expense ratio relative to revenue, potentially indicating significant investment income or contributions not fully detailed in expense breakdown.
Zero officer compensation for an organization with over $40 million in assets, which could imply management by an external entity or a fully volunteer board, warranting further investigation into governance and management costs.
Strengths
Consistent and significant asset growth, from $15.4 million in 2014 to $34.8 million in 2023, indicating strong financial management.
Very low expense-to-revenue ratio, demonstrating efficient use of funds for its stated purpose (e.g., 2023 expenses were $1.4M vs. $3.0M revenue).
No reported officer compensation, suggesting a lean operational structure or volunteer leadership.
Regular and extensive IRS 990 filing history (13 filings), indicating good transparency and compliance.
Spending Breakdown
How Oxnard Peace Officers Association Retiree Medical Trust allocates its funds across programs, administration, and fundraising.
90%
Program Spending
Healthy — majority goes to mission
10%
Admin Costs
Reasonable — admin costs in check
0%
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 Oxnard Peace Officers Association Retiree Medical Trust
Is Oxnard Peace Officers Association Retiree Medical Trust a legitimate charity?
Based on AI analysis of IRS 990 filings, Oxnard Peace Officers Association Retiree Medical Trust (EIN: 206303493) appears trustworthy. Mission Score: 85/100. 2 red flags identified, 4 strengths noted.
Is Oxnard Peace Officers Association Retiree Medical Trust a good charity to donate to?
Oxnard Peace Officers Association Retiree Medical Trust has a Mission Score of 85/100. Revenue: $25.0M. Assets: $40.7M. Review the full transparency report for detailed spending breakdown and executive compensation analysis.
What is the EIN for Oxnard Peace Officers Association Retiree Medical Trust?
The Employer Identification Number (EIN) for Oxnard Peace Officers Association Retiree Medical Trust is 206303493. 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 Oxnard Peace Officers Association Retiree Medical Trust spend its money?
Oxnard Peace Officers Association Retiree Medical Trust allocates 90% to programs, 10% to administration, and 0% to fundraising. Healthy nonprofits typically spend 75%+ on programs.
How can I verify Oxnard Peace Officers Association Retiree Medical Trust's tax-exempt status?
You can verify Oxnard Peace Officers Association Retiree Medical Trust's tax-exempt status using EIN 206303493 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 Oxnard Peace Officers Association Retiree Medical Trust demonstrates consistent financial growth, with assets increasing from $15.4 million in 2014 to over $34.8 million in 2023. The organization's primary function appears to be managing a retiree medical trust, which is reflected in its NTEE code Y44 (Pension/Retirement Funds). Its spending efficiency is notable, with expenses consistently being a small fraction of its revenue, indicating strong asset accumulation for its stated purpose. For instance, in 2023, expenses were $1.4 million against $3.0 million in revenue. The trust's transparency is bolstered by its consistent IRS 990 filings over 13 periods, and the absence of reported officer compensation suggests a lean operational structure, though further details on administrative costs would provide a more complete picture of spending efficiency beyond program services.