Is Rsf Social Finance Inc Legit?

Strengths

Consistent reporting of 0% officer compensation, demonstrating a strong commitment to directing funds to mission.
Healthy asset-to-liability ratio, indicating strong financial stability and capacity.
Generally strong program spending focus, as implied by the low administrative and fundraising costs.
Long filing history (13 filings) indicates sustained operation and compliance.

Spending Breakdown

How Rsf Social Finance Inc allocates its funds across programs, administration, and fundraising.

90%

Program Spending

Healthy — majority goes to mission

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 Rsf Social Finance Inc

Is Rsf Social Finance Inc a legitimate charity?

Based on AI analysis of IRS 990 filings, Rsf Social Finance Inc (EIN: 136082763) appears trustworthy. Mission Score: 95/100. 2 red flags identified, 4 strengths noted.

Is Rsf Social Finance Inc a good charity to donate to?

Rsf Social Finance Inc has a Mission Score of 95/100. Revenue: $82.2M. Assets: $108.4M. Review the full transparency report for detailed spending breakdown and executive compensation analysis.

What is the EIN for Rsf Social Finance Inc?

The Employer Identification Number (EIN) for Rsf Social Finance Inc is 136082763. 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 Rsf Social Finance Inc spend its money?

Rsf Social Finance Inc allocates 90% to programs, 5% to administration, and 5% to fundraising. Healthy nonprofits typically spend 75%+ on programs.

How can I verify Rsf Social Finance Inc's tax-exempt status?

You can verify Rsf Social Finance Inc's tax-exempt status using EIN 136082763 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

Rsf Social Finance Inc demonstrates a generally stable financial position, with assets consistently exceeding liabilities across the reported periods. For instance, in 2023, assets were $129,532,472 against liabilities of $42,008,146. The organization's revenue and expenses show some fluctuation, which is not uncommon for financial institutions or those involved in social finance, as their activities can be tied to market conditions or specific project cycles. For example, revenue in 2018 was $96,142,547, while in 2022 it was $35,449,259. 

The organization's spending efficiency appears to be reasonable, with expenses generally lower than revenue in most years, indicating a capacity to build reserves or reinvest. However, there are instances, such as in 2022, where expenses ($44,402,782) exceeded revenue ($35,449,259), suggesting a year of higher operational costs or investment. A notable aspect of their transparency is the consistent reporting of 0% officer compensation, which is a strong indicator of financial integrity and a commitment to directing funds towards their mission rather than executive enrichment. This practice significantly enhances their transparency profile.

Verdict: Rsf Social Finance Inc appears trustworthy

Red Flags