Is St Joseph Hospital Employees Credit Union Legit?
Quick charity verification for St Joseph Hospital Employees Credit Union (EIN: 20316037)
Verdict: St Joseph Hospital Employees Credit Union has notable concerns
10/100Mission Score
$0Revenue
$0Assets
4Red Flags
1Strengths
Red Flags
Latest filings report $0 revenue and assets, contradicting historical data.
Consistent operational deficit in historical filings (e.g., $231,515 expenses vs. $227,054 revenue in 2015).
Lack of NTEE code for proper categorization.
Unclear current operational status due to inconsistent financial reporting.
Strengths
Historically maintained multi-million dollar assets (e.g., $6,064,792 in 2015) relative to its revenue, indicating some financial stability in the past.
Spending Breakdown
How St Joseph Hospital Employees Credit Union allocates its funds across programs, administration, and fundraising.
0%
Program Spending
Concerning — less than half to programs
0%
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 St Joseph Hospital Employees Credit Union
Is St Joseph Hospital Employees Credit Union a legitimate charity?
Based on AI analysis of IRS 990 filings, St Joseph Hospital Employees Credit Union (EIN: 20316037) has notable concerns. Mission Score: 10/100. 4 red flags identified, 1 strength noted.
Is St Joseph Hospital Employees Credit Union a good charity to donate to?
St Joseph Hospital Employees Credit Union has a Mission Score of 10/100. Revenue: $0. Assets: $0. Review the full transparency report for detailed spending breakdown and executive compensation analysis.
What is the EIN for St Joseph Hospital Employees Credit Union?
The Employer Identification Number (EIN) for St Joseph Hospital Employees Credit Union is 20316037. 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 St Joseph Hospital Employees Credit Union spend its money?
St Joseph Hospital Employees Credit Union allocates 0% to programs, 0% to administration, and 0% to fundraising. Healthy nonprofits typically spend 75%+ on programs.
How can I verify St Joseph Hospital Employees Credit Union's tax-exempt status?
You can verify St Joseph Hospital Employees Credit Union's tax-exempt status using EIN 20316037 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
St Joseph Hospital Employees Credit Union consistently reports zero revenue and assets in its latest filings, which contradicts its historical financial data showing hundreds of thousands in revenue and millions in assets. This discrepancy raises significant concerns about the accuracy and completeness of its most recent public disclosures. Historically, the organization operated with a slight deficit, with expenses consistently exceeding revenue by a small margin, for example, $231,515 in expenses against $227,054 in revenue in 2015.
The organization's financial health, based on historical data, appears stable with assets consistently in the multi-million dollar range, such as $6,064,792 in assets in 2015. However, the recent filings showing zero financial activity make it impossible to assess current financial health or spending efficiency. The consistent reporting of 0% officer compensation across all available filings suggests either a volunteer-run leadership or that compensation is reported under other expense categories, which would impact transparency.
Given the stark contrast between historical and recent reported figures, the organization's transparency is severely compromised. Without accurate and consistent financial reporting, it is impossible for the public to understand its current operations, financial standing, or how efficiently it uses its resources. The lack of an NTEE code also hinders proper categorization and comparison with peer organizations.