Alliance For Retired Americans Educational Fund
Alliance For Retired Americans Educational Fund shows inconsistent financial performance with recurring deficits and no officer compensation.
EIN: 200475553 · Washington, DC · NTEE: B90 · Updated: 2026-03-28
| Metric | Value |
|---|---|
| Total Revenue | $139K |
| Total Expenses | $196K |
| Program Spending | 85% |
| Net Assets | $46K |
| Transparency Score | 70/100 |
Is Alliance For Retired Americans Educational Fund Legit?
Some Concerns
Assessment based on IRS 990 filings, spending patterns, and AI analysis. Not a guarantee of legitimacy. Full charity check →
Alliance For Retired Americans Educational Fund directs 85% of its spending to programs. This exceeds the industry benchmark of 65%, indicating strong mission focus.
About Alliance For Retired Americans Educational Fund
Alliance For Retired Americans Educational Fund (EIN: 200475553) is a nonprofit organization based in Washington, DC, classified under NTEE code B90. The organization reported total revenue of $139K and total assets of $73K according to its most recent IRS 990 filing. This transparency report provides an AI-powered analysis of Alliance For Retired Americans Educational Fund's financial health, spending patterns, executive compensation, and overall mission effectiveness based on publicly available IRS data.
Organization Overview
Alliance For Retired Americans Educational Fund is a small nonprofit that has been operating for 21 years, with 14 years of IRS 990 filings on record (2010–2023). Revenue has grown at a compound annual rate of 4.8%.
Key Financial Metrics (2023)
From the most recent IRS 990 filing on record:
| Total Revenue | $165K |
| Total Expenses | $196K |
| Surplus / Deficit | $-30,764 |
| Total Assets | $73K |
| Total Liabilities | $28K |
| Net Assets | $46K |
| Operating Margin | -18.6% |
| Debt-to-Asset Ratio | 37.5% |
| Months of Reserves | 4.5 months |
Financial Health Grade: B
In 2023, Alliance For Retired Americans Educational Fund reported a deficit of $31K with expenses exceeding revenue, holds 4.5 months of operating reserves (adequate), has a debt-to-asset ratio of 37.5% (moderate leverage).
Financial Trends
Over 14 years of filings (2010–2023), Alliance For Retired Americans Educational Fund's revenue has grown at a compound annual growth rate (CAGR) of 4.8%.
| Year | Revenue Change | Expense Change | Asset Change |
|---|---|---|---|
| 2023 | +54.0% | +214.9% | -11.3% |
| 2022 | -43.1% | -61.5% | -20.6% |
| 2021 | +6959.8% | +21955.1% | +252.0% |
| 2020 | -93.1% | -98.6% | -44.2% |
| 2019 | -41.7% | -37.4% | +1.9% |
IRS Tax-Exempt Classification
| IRS Classification Codes | 2000 |
| IRS Ruling Date | 2005 |
Classification data from ProPublica Nonprofit Explorer. Additional BMF data may be available after enrichment.
AI Transparency Report
Mission Effectiveness Score
NonprofitSpending's AI analysis rates Alliance For Retired Americans Educational Fund with a Mission Score of 70 out of 100 (Good). This score reflects the organization's overall financial transparency, program spending efficiency, and governance indicators derived from IRS 990 public filings.
Spending Breakdown
- admin: 10%
- programs: 85%
- fundraising: 5%
According to IRS 990 filings, Alliance For Retired Americans Educational Fund allocates its expenses as follows: admin: 10%, programs: 85%, fundraising: 5%. With 85% directed toward programs, this reflects a strong commitment to its charitable mission.
Key Financial Metrics (2023)
From the most recent IRS 990 filing on record:
- The organization reported a deficit of $31K, with expenses exceeding revenue.
- Debt-to-asset ratio: 37.5%.
Executive Compensation Analysis
The organization consistently reports 0% officer compensation across all available filings, indicating that no funds are allocated to executive salaries, which is highly favorable for direct program funding.
Executive compensation data is sourced from IRS 990 filings, which require nonprofits to disclose the compensation of officers, directors, trustees, and key employees. NonprofitSpending analyzes this data relative to the organization's total revenue and sector benchmarks to assess whether executive pay is reasonable.
Red Flags
The following concerns were identified during AI analysis of Alliance For Retired Americans Educational Fund's IRS 990 filings:
- Recurring operational deficits (e.g., 2023, 2019, 2018, 2017, 2015) indicate potential financial instability.
- Significant fluctuations in revenue and assets suggest unpredictable funding and financial management.
- High liabilities in certain years (e.g., $85,406 in 2017) relative to assets raise concerns about financial risk.
Strengths
The following positive indicators were identified for Alliance For Retired Americans Educational Fund:
- Consistent 0% officer compensation demonstrates a strong commitment to directing funds to the mission.
- Long filing history (14 filings) indicates sustained operation and compliance with IRS reporting requirements.
Frequently Asked Questions about Alliance For Retired Americans Educational Fund
Is Alliance For Retired Americans Educational Fund a legitimate charity?
Alliance For Retired Americans Educational Fund (EIN: 200475553) is a registered tax-exempt nonprofit based in Washington DC. Our AI analysis gives it a Mission Score of 70/100. It has 14 years of IRS 990 filings on record. Total revenue: $139K. 3 red flags identified. 2 strengths noted. Financial health grade: B.
How does Alliance For Retired Americans Educational Fund spend its money?
Alliance For Retired Americans Educational Fund directs 85% of its spending to programs and services. Fundraising costs 5%. This exceeds the 65% industry benchmark.
Are donations to Alliance For Retired Americans Educational Fund tax-deductible?
Alliance For Retired Americans Educational Fund is registered as a tax-exempt nonprofit (EIN: 200475553). Donations to most 501(c)(3) organizations are tax-deductible. Consult a tax professional for your specific situation.
What percentage of Alliance For Retired Americans Educational Fund's spending goes to programs?
Alliance For Retired Americans Educational Fund directs 85% to programs, 5% to fundraising. This exceeds the 65% industry benchmark for efficient nonprofits.
How does Alliance For Retired Americans Educational Fund compare to similar nonprofits?
With a transparency score of 70/100 (Good), Alliance For Retired Americans Educational Fund is above average for NTEE category B90 nonprofits. The score reflects financial transparency, program spending efficiency, and governance quality based on IRS 990 data.
Where is Alliance For Retired Americans Educational Fund located?
Alliance For Retired Americans Educational Fund is headquartered in Washington, Washington DC and files with the IRS under EIN 200475553. It is classified under NTEE code B90.
How many years of IRS 990 filings does Alliance For Retired Americans Educational Fund have?
Alliance For Retired Americans Educational Fund has 14 years of IRS 990 filings on record at NonprofitSpending. This extensive filing history provides a strong basis for evaluating long-term financial trends. The most recent filing shows $139K in total revenue.
Why does the organization frequently operate at a deficit, such as in 2023 where expenses ($195,851) exceeded revenue ($165,087)?
The recurring deficits suggest that the organization's expenses often outpace its income, which could lead to reliance on reserves or future fundraising, potentially impacting long-term financial stability.
What caused the significant revenue spike to $2,670 in 2020, given the typical revenue range?
The reported revenue of $2,670 in 2020 is an outlier compared to other years, which typically see revenues in the tens or hundreds of thousands. This anomaly warrants further investigation to understand its nature, whether it was a reporting error or an unusual event.
How does the organization manage its liabilities, which have been substantial in some years (e.g., $85,406 in 2017)?
Fluctuating and sometimes high liabilities indicate potential financial management challenges. Understanding the nature of these liabilities and how they are addressed is crucial for assessing financial health.
What are the specific program activities and their associated costs, given the NTEE code B90?
Without a detailed breakdown of program expenses, it's difficult to fully assess the impact and efficiency of the organization's core mission activities related to senior citizens' rights.
Filing History
IRS 990 filing history for Alliance For Retired Americans Educational Fund showing financial trends over 14 years of public records:
Over 14 years of IRS 990 filings (2010–2023), Alliance For Retired Americans Educational Fund's revenue has grown by 83.7%, moving from $90K to $165K. Total assets increased by 83% over the same period, from $40K to $73K. Total functional expenses rose by 92.6%, from $102K to $196K. In its most recent filing year (2023), Alliance For Retired Americans Educational Fund reported a deficit of $31K, with expenses exceeding revenue. The organization holds $28K in liabilities against $73K in assets (debt-to-asset ratio: 37.5%), resulting in net assets of $46K.
| Year | Revenue | Expenses | Assets | Liabilities | Officer Comp. % | |
|---|---|---|---|---|---|---|
| 2023 | $165K | $196K | $73K | $28K | — | View 990 |
| 2022 | $107K | $62K | $83K | $6K | — | View 990 |
| 2021 | $188K | $161K | $104K | $73K | — | — |
| 2020 | $3K | $732 | $30K | $25K | — | View 990 |
| 2019 | $39K | $51K | $53K | $50K | — | View 990 |
| 2018 | $66K | $82K | $52K | $37K | — | View 990 |
| 2017 | $59K | $95K | $116K | $85K | — | View 990 |
| 2016 | $222K | $200K | $107K | $41K | — | View 990 |
| 2015 | $95K | $109K | $45K | $0 | — | View 990 |
| 2014 | $192K | $186K | $60K | $2K | — | View 990 |
| 2013 | $176K | $147K | $104K | $53K | — | View 990 |
| 2012 | $24K | $31K | $22K | $9 | — | View 990 |
| 2011 | $181K | $144K | $51K | $21K | — | View 990 |
| 2010 | $90K | $102K | $40K | $48K | — | View 990 |
Year-by-Year Financial Summary
- 2023: Revenue of $165K, expenses of $196K, and assets of $73K (revenue +54.0% year-over-year).
- 2022: Revenue of $107K, expenses of $62K, and assets of $83K (revenue -43.1% year-over-year).
- 2021: Revenue of $188K, expenses of $161K, and assets of $104K (revenue +6959.8% year-over-year).
- 2020: Revenue of $3K, expenses of $732, and assets of $30K (revenue -93.1% year-over-year).
- 2019: Revenue of $39K, expenses of $51K, and assets of $53K (revenue -41.7% year-over-year).
- 2018: Revenue of $66K, expenses of $82K, and assets of $52K (revenue +13.0% year-over-year).
- 2017: Revenue of $59K, expenses of $95K, and assets of $116K (revenue -73.5% year-over-year).
- 2016: Revenue of $222K, expenses of $200K, and assets of $107K (revenue +132.5% year-over-year).
- 2015: Revenue of $95K, expenses of $109K, and assets of $45K (revenue -50.4% year-over-year).
- 2014: Revenue of $192K, expenses of $186K, and assets of $60K (revenue +9.0% year-over-year).
- 2013: Revenue of $176K, expenses of $147K, and assets of $104K (revenue +635.6% year-over-year).
- 2012: Revenue of $24K, expenses of $31K, and assets of $22K (revenue -86.7% year-over-year).
- 2011: Revenue of $181K, expenses of $144K, and assets of $51K (revenue +101.0% year-over-year).
- 2010: Revenue of $90K, expenses of $102K, and assets of $40K.
View Individual Filing Years
Explore detailed financial data from each IRS 990 filing year for Alliance For Retired Americans Educational Fund:
Data Sources and Methodology
This transparency report for Alliance For Retired Americans Educational Fund is generated by NonprofitSpending's AI analysis engine. The data is sourced from publicly available IRS 990 filings accessed through the ProPublica Nonprofit Explorer API and IRS electronic filing records. The Mission Score, spending breakdown, and other analytical insights are produced by artificial intelligence and should be used as one of multiple factors when evaluating a nonprofit organization.
IRS 990 forms are annual information returns that most tax-exempt organizations must file with the IRS. These forms provide detailed financial information including revenue, expenses, assets, liabilities, and compensation of officers. NonprofitSpending processes this data to provide accessible transparency reports for donors, researchers, and the general public.
Disclaimer
AI-generated analysis based on IRS public records. Not financial or legal advice. Verify information directly with the organization.