American College Of Bankruptcy Foundation
American College Of Bankruptcy Foundation shows consistent asset growth and zero reported officer compensation over a decade.
EIN: 10656156 · Dover, DE · NTEE: B82 · Updated: 2026-03-28
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American College Of Bankruptcy Foundation is mapped to EIN 10656156.
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90% program spend, health grade A
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| Metric | Value |
|---|---|
| Total Revenue | $1.3M |
| Total Expenses | $694K |
| Program Spending | 90% |
| Net Assets | $2.8M |
| Transparency Score | 92/100 |
Search Intent Cockpit
American College Of Bankruptcy Foundation Form 990, Revenue, CEO Pay, and IRS Filing Signals
American College Of Bankruptcy Foundation is surfaced here as a decision-ready nonprofit financial profile, not just a charity listing. The page consolidates IRS Form 990 revenue, expenses, assets, tax-exempt classification, executive compensation, mission score, red flags, and year-by-year filing history so donors, researchers, journalists, and grant teams can answer the common search questions around American College Of Bankruptcy Foundation in one place.
Form 990 Filing Summary
13 filing years are available, with latest revenue of $821K and expenses of $694K.
Revenue and Expenses
American College Of Bankruptcy Foundation reported $821K in revenue and $694K in expenses, a surplus of $128K.
Executive Compensation
Officer, director, trustee, and key employee pay is reviewed from IRS 990 compensation disclosures when present.
Charity Score and Red Flags
92/100 mission score, 0 red flags, and 5 strengths are shown from structured and AI review.
Is American College Of Bankruptcy Foundation Legit?
Appears Legitimate
Assessment based on IRS 990 filings, spending patterns, and AI analysis. Not a guarantee of legitimacy. Full charity check →
IRS 990 Data Cockpit
Where the Money Comes From and Where It Goes
Revenue Source Mix
Revenue-source line items are not available on the stored filing yet. Future ingestion now preserves contribution, program-revenue, and investment-income fields when ProPublica provides them.
Expense Deployment
| Program services | $624K (90%) |
Across stored filings, American College Of Bankruptcy Foundation shows contribution history pending. Next enrichment targets: revenue-source fields, IRS BMF classification.
Decision Cockpit
One-Stop Donor, Research, and Peer Context Hub
| Decision Lens | Signal | What to Inspect Next |
|---|---|---|
| Legitimacy | Appears Legitimate | Good filing record; no red flags identified |
| Mission spend | 90% to programs | Excellent |
| Financial durability | Grade A | 13 stored filing years |
| Peer context | Compare with Kuehner Brothers Foundation Inc | Delaware and Education context |
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American College Of Bankruptcy Foundation directs 90% of its spending to programs. This exceeds the industry benchmark of 65%, indicating strong mission focus.
About American College Of Bankruptcy Foundation
American College Of Bankruptcy Foundation (EIN: 10656156) is a nonprofit organization based in Dover, DE, classified under NTEE code B82. The organization reported total revenue of $1.3M and total assets of $3.1M according to its most recent IRS 990 filing. This transparency report provides an AI-powered analysis of American College Of Bankruptcy Foundation's financial health, spending patterns, executive compensation, and overall mission effectiveness based on publicly available IRS data.
Organization Overview
American College Of Bankruptcy Foundation is a mid-size nonprofit that has been operating for 24 years, with 13 years of IRS 990 filings on record (2011–2023). Revenue has grown at a compound annual rate of 13.8%.
Key Financial Metrics (2023)
From the most recent IRS 990 filing on record:
| Total Revenue | $821K |
| Total Expenses | $694K |
| Surplus / Deficit | +$128K |
| Total Assets | $2.8M |
| Total Liabilities | $40K |
| Net Assets | $2.8M |
| Operating Margin | 15.5% |
| Debt-to-Asset Ratio | 1.4% |
| Months of Reserves | 48.4 months |
Financial Health Grade: A
In 2023, American College Of Bankruptcy Foundation reported a surplus of $128K with revenue exceeding expenses, holds 48.4 months of operating reserves (strong position), has a debt-to-asset ratio of 1.4% (very low leverage).
Financial Trends
Over 13 years of filings (2011–2023), American College Of Bankruptcy Foundation's revenue has grown at a compound annual growth rate (CAGR) of 13.8%.
| Year | Revenue Change | Expense Change | Asset Change |
|---|---|---|---|
| 2023 | +9.3% | +28.1% | +16.9% |
| 2022 | +2.2% | +5.0% | -3.6% |
| 2021 | +11.7% | +25.0% | +14.4% |
| 2020 | +10.4% | -19.3% | +23.7% |
| 2019 | +2.7% | +6.4% | +9.8% |
IRS Tax-Exempt Classification
| IRS Classification Codes | 2000 |
| IRS Ruling Date | 2002 |
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 American College Of Bankruptcy Foundation with a Mission Score of 92 out of 100 (Excellent). This score reflects the organization's overall financial transparency, program spending efficiency, and governance indicators derived from IRS 990 public filings.
Spending Breakdown
- admin: 8%
- programs: 90%
- fundraising: 2%
According to IRS 990 filings, American College Of Bankruptcy Foundation allocates its expenses as follows: admin: 8%, programs: 90%, fundraising: 2%. With 90% 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 surplus of $128K, with revenue exceeding expenses.
- Debt-to-asset ratio: 1.4%.
Executive Compensation Analysis
The American College Of Bankruptcy Foundation consistently reports 0% officer compensation across all available filings, indicating that its executive leadership is not compensated through traditional officer salaries, which is highly favorable for donor perception and resource allocation.
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.
Strengths
The following positive indicators were identified for American College Of Bankruptcy Foundation:
- Consistent asset growth, from $1,211,197 in 2014 to $2,797,100 in 2023.
- Zero reported officer compensation across all available filings.
- Low liabilities relative to assets, indicating strong financial health.
- Consistent revenue growth over the past decade.
- Regular and transparent IRS 990 filing history.
Frequently Asked Questions about American College Of Bankruptcy Foundation
Is American College Of Bankruptcy Foundation a legitimate charity?
American College Of Bankruptcy Foundation (EIN: 10656156) is a registered tax-exempt nonprofit based in Delaware. Our AI analysis gives it a Mission Score of 92/100. It has 13 years of IRS 990 filings on record. Total revenue: $1.3M. No red flags identified. 5 strengths noted. Financial health grade: A.
How does American College Of Bankruptcy Foundation spend its money?
American College Of Bankruptcy Foundation directs 90% of its spending to programs and services. Fundraising costs 2%. This exceeds the 65% industry benchmark.
Are donations to American College Of Bankruptcy Foundation tax-deductible?
American College Of Bankruptcy Foundation is registered as a tax-exempt nonprofit (EIN: 10656156). Donations to most 501(c)(3) organizations are tax-deductible. Consult a tax professional for your specific situation.
What percentage of American College Of Bankruptcy Foundation's spending goes to programs?
American College Of Bankruptcy Foundation directs 90% to programs, 2% to fundraising. This exceeds the 65% industry benchmark for efficient nonprofits.
How does American College Of Bankruptcy Foundation compare to similar nonprofits?
With a transparency score of 92/100 (Excellent), American College Of Bankruptcy Foundation is above average for NTEE category B82 nonprofits. The score reflects financial transparency, program spending efficiency, and governance quality based on IRS 990 data.
Where is American College Of Bankruptcy Foundation located?
American College Of Bankruptcy Foundation is headquartered in Dover, Delaware and files with the IRS under EIN 10656156. It is classified under NTEE code B82.
How many years of IRS 990 filings does American College Of Bankruptcy Foundation have?
American College Of Bankruptcy Foundation has 13 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 $1.3M in total revenue.
Is the American College Of Bankruptcy Foundation financially stable?
Yes, the foundation is financially stable, demonstrating consistent asset growth from $1,211,197 in 2014 to $2,797,100 in 2023, and maintaining low liabilities.
Does the American College Of Bankruptcy Foundation pay its officers?
Based on the IRS 990 filings, the American College Of Bankruptcy Foundation consistently reports 0% officer compensation, suggesting officers are not paid through this mechanism.
How has the foundation's revenue changed over time?
The foundation's revenue has shown a positive trend, increasing from $513,288 in 2014 to $821,124 in 2023, indicating growing support and financial capacity.
What is the organization's approach to executive compensation?
The organization's approach to executive compensation appears to be highly conservative, with no officer compensation reported in any of the available IRS 990 filings, which is a strong indicator of efficient resource allocation.
Filing History
IRS 990 filing history for American College Of Bankruptcy Foundation showing financial trends over 13 years of public records:
Over 13 years of IRS 990 filings (2011–2023), American College Of Bankruptcy Foundation's revenue has grown by 371.8%, moving from $174K to $821K. Total assets increased by 243.6% over the same period, from $814K to $2.8M. Total functional expenses rose by 504.8%, from $115K to $694K. In its most recent filing year (2023), American College Of Bankruptcy Foundation reported a surplus of $128K, with revenue exceeding expenses. The organization holds $40K in liabilities against $2.8M in assets (debt-to-asset ratio: 1.4%), resulting in net assets of $2.8M.
| Year | Revenue | Expenses | Assets | Liabilities | Officer Comp. % | |
|---|---|---|---|---|---|---|
| 2023 | $821K | $694K | $2.8M | $40K | — | View 990 |
| 2022 | $751K | $542K | $2.4M | $0 | — | View 990 |
| 2021 | $735K | $516K | $2.5M | $0 | — | — |
| 2020 | $658K | $413K | $2.2M | $0 | — | View 990 |
| 2019 | $596K | $512K | $1.8M | $0 | — | View 990 |
| 2018 | $580K | $481K | $1.6M | $0 | — | View 990 |
| 2017 | $556K | $501K | $1.5M | $0 | — | View 990 |
| 2016 | $552K | $508K | $1.4M | $2K | — | View 990 |
| 2015 | $542K | $354K | $1.4M | $3K | — | View 990 |
| 2014 | $513K | $355K | $1.2M | $0 | — | View 990 |
| 2013 | $249K | $131K | $1.1M | $8K | — | View 990 |
| 2012 | $215K | $89K | $935K | $456 | — | View 990 |
| 2011 | $174K | $115K | $814K | $5K | — | View 990 |
Year-by-Year Financial Summary
- 2023: Revenue of $821K, expenses of $694K, and assets of $2.8M (revenue +9.3% year-over-year).
- 2022: Revenue of $751K, expenses of $542K, and assets of $2.4M (revenue +2.2% year-over-year).
- 2021: Revenue of $735K, expenses of $516K, and assets of $2.5M (revenue +11.7% year-over-year).
- 2020: Revenue of $658K, expenses of $413K, and assets of $2.2M (revenue +10.4% year-over-year).
- 2019: Revenue of $596K, expenses of $512K, and assets of $1.8M (revenue +2.7% year-over-year).
- 2018: Revenue of $580K, expenses of $481K, and assets of $1.6M (revenue +4.4% year-over-year).
- 2017: Revenue of $556K, expenses of $501K, and assets of $1.5M (revenue +0.7% year-over-year).
- 2016: Revenue of $552K, expenses of $508K, and assets of $1.4M (revenue +1.8% year-over-year).
- 2015: Revenue of $542K, expenses of $354K, and assets of $1.4M (revenue +5.6% year-over-year).
- 2014: Revenue of $513K, expenses of $355K, and assets of $1.2M (revenue +105.9% year-over-year).
- 2013: Revenue of $249K, expenses of $131K, and assets of $1.1M (revenue +16.1% year-over-year).
- 2012: Revenue of $215K, expenses of $89K, and assets of $935K (revenue +23.4% year-over-year).
- 2011: Revenue of $174K, expenses of $115K, and assets of $814K.
View Individual Filing Years
Explore detailed financial data from each IRS 990 filing year for American College Of Bankruptcy Foundation:
Data Sources and Methodology
This transparency report for American College Of Bankruptcy Foundation 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.