American Finance Association
American Finance Association consistently grows assets and operates with surpluses, reporting 0% officer compensation.
EIN: 136111495 · Bethlehem, PA · NTEE: W22C · Updated: 2026-03-28
| Metric | Value |
|---|---|
| Total Revenue | $7.8M |
| Total Expenses | $2.6M |
| Program Spending | 80% |
| CEO/Top Officer Pay | $30 |
| Net Assets | $24.8M |
| Transparency Score | 85/100 |
Is American Finance Association Legit?
Some Concerns
Assessment based on IRS 990 filings, spending patterns, and AI analysis. Not a guarantee of legitimacy. Full charity check →
American Finance Association directs 80% of its spending to programs. This exceeds the industry benchmark of 65%, indicating strong mission focus.
About American Finance Association
American Finance Association (EIN: 136111495) is a nonprofit organization based in Bethlehem, PA, classified under NTEE code W22C. The organization reported total revenue of $7.8M and total assets of $29.3M according to its most recent IRS 990 filing. This transparency report provides an AI-powered analysis of American Finance Association's financial health, spending patterns, executive compensation, and overall mission effectiveness based on publicly available IRS data.
Organization Overview
American Finance Association is a mid-size nonprofit that has been operating for 72 years, with 13 years of IRS 990 filings on record (2011–2023). Revenue has grown at a compound annual rate of 2.7%.
Key Financial Metrics (2023)
From the most recent IRS 990 filing on record:
| Total Revenue | $2.9M |
| Total Expenses | $2.6M |
| Surplus / Deficit | +$294K |
| Total Assets | $26.7M |
| Total Liabilities | $1.9M |
| Net Assets | $24.8M |
| Operating Margin | 10.3% |
| Debt-to-Asset Ratio | 7.2% |
| Months of Reserves | 124.7 months |
Financial Health Grade: A
In 2023, American Finance Association reported a surplus of $294K with revenue exceeding expenses, holds 124.7 months of operating reserves (strong position), has a debt-to-asset ratio of 7.2% (very low leverage).
Financial Trends
Over 13 years of filings (2011–2023), American Finance Association's revenue has grown at a compound annual growth rate (CAGR) of 2.7%.
| Year | Revenue Change | Expense Change | Asset Change |
|---|---|---|---|
| 2023 | +36.5% | +67.6% | +8.4% |
| 2022 | +8.6% | -2.1% | -9.9% |
| 2021 | -12.1% | -18.3% | +23.6% |
| 2020 | -32.5% | -10.3% | +3.5% |
| 2019 | +37.2% | +17.2% | +11.6% |
IRS Tax-Exempt Classification
| IRS Classification Codes | 2000 |
| IRS Ruling Date | 1954 |
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 Finance Association with a Mission Score of 85 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: 15%
- programs: 80%
- fundraising: 5%
According to IRS 990 filings, American Finance Association allocates its expenses as follows: admin: 15%, programs: 80%, fundraising: 5%. With 80% 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 $294K, with revenue exceeding expenses.
- Debt-to-asset ratio: 7.2%.
Executive Compensation Analysis
Executive compensation is reported as 0% across all available filings, indicating that officers are either uncompensated or compensated through other roles not classified as officer compensation, which is highly unusual for an organization of this size with assets nearing $30 million.
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 American Finance Association's IRS 990 filings:
- Lack of detailed spending breakdown (program vs. admin vs. fundraising) in provided summary makes efficiency assessment difficult beyond overall surplus.
Strengths
The following positive indicators were identified for American Finance Association:
- Consistent asset growth, from $14.8M in 2014 to $26.7M in 2023, indicating strong financial health.
- Consistent operating surpluses, with revenues always exceeding expenses (e.g., $2.8M revenue vs. $2.5M expenses in 2023).
- Reported 0% officer compensation across all filings, suggesting a strong commitment to mission over executive pay.
- Robust filing history with 13 IRS 990s, demonstrating transparency and compliance.
Frequently Asked Questions about American Finance Association
Is American Finance Association a legitimate charity?
American Finance Association (EIN: 136111495) is a registered tax-exempt nonprofit based in Pennsylvania. Our AI analysis gives it a Mission Score of 85/100. It has 13 years of IRS 990 filings on record. Total revenue: $7.8M. 1 red flag identified. 4 strengths noted. Financial health grade: A.
How does American Finance Association spend its money?
American Finance Association directs 80% of its spending to programs and services. Fundraising costs 5%. This exceeds the 65% industry benchmark.
Are donations to American Finance Association tax-deductible?
American Finance Association is registered as a tax-exempt nonprofit (EIN: 136111495). Donations to most 501(c)(3) organizations are tax-deductible. Consult a tax professional for your specific situation.
How much does the American Finance Association CEO make?
American Finance Association's highest-compensated officer earns $30 annually. The organization reported $7.8M in total revenue. Executive compensation data is disclosed in IRS 990 filings.
What percentage of American Finance Association's spending goes to programs?
American Finance Association directs 80% to programs, 5% to fundraising. This exceeds the 65% industry benchmark for efficient nonprofits.
How does American Finance Association compare to similar nonprofits?
With a transparency score of 85/100 (Excellent), American Finance Association is above average for NTEE category W22C nonprofits. The score reflects financial transparency, program spending efficiency, and governance quality based on IRS 990 data.
Where is American Finance Association located?
American Finance Association is headquartered in Bethlehem, Pennsylvania and files with the IRS under EIN 136111495. It is classified under NTEE code W22C.
How many years of IRS 990 filings does American Finance Association have?
American Finance Association 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 $7.8M in total revenue.
Is the American Finance Association a good charity?
Based on the provided data, the American Finance Association appears to be a financially sound organization with consistent asset growth and a history of operating with surpluses. The reported 0% officer compensation is a strong positive indicator of mission focus. However, a detailed breakdown of program spending versus administrative and fundraising costs would provide a more complete picture of its efficiency.
How has the organization's financial health changed over time?
The organization has shown consistent financial growth and stability. Its assets have steadily increased from $14,803,668 in 2014 to $26,738,906 in 2023. Revenue has generally fluctuated but remained robust, consistently exceeding expenses, indicating healthy financial management and an ability to build reserves.
What is the significance of 0% officer compensation?
The consistent reporting of 0% officer compensation suggests that the organization's leadership may be entirely volunteer-based or that any compensation paid to individuals who also serve as officers is not categorized as 'officer compensation' on the 990. This practice can be viewed positively as it implies resources are directed away from executive salaries and towards the organization's mission.
Filing History
IRS 990 filing history for American Finance Association showing financial trends over 13 years of public records:
Over 13 years of IRS 990 filings (2011–2023), American Finance Association's revenue has grown by 37.1%, moving from $2.1M to $2.9M. Total assets increased by 144.1% over the same period, from $11.0M to $26.7M. Total functional expenses rose by 79.7%, from $1.4M to $2.6M. In its most recent filing year (2023), American Finance Association reported a surplus of $294K, with revenue exceeding expenses. The organization holds $1.9M in liabilities against $26.7M in assets (debt-to-asset ratio: 7.2%), resulting in net assets of $24.8M.
| Year | Revenue | Expenses | Assets | Liabilities | Officer Comp. % | |
|---|---|---|---|---|---|---|
| 2023 | $2.9M | $2.6M | $26.7M | $1.9M | — | View 990 |
| 2022 | $2.1M | $1.5M | $24.7M | $1.2M | — | View 990 |
| 2021 | $1.9M | $1.6M | $27.4M | $1.0M | — | View 990 |
| 2020 | $2.2M | $1.9M | $22.1M | $1.2M | — | View 990 |
| 2019 | $3.3M | $2.1M | $21.4M | $870K | — | View 990 |
| 2018 | $2.4M | $1.8M | $19.2M | $620K | — | View 990 |
| 2017 | $2.4M | $1.7M | $17.6M | $480K | — | View 990 |
| 2016 | $2.4M | $2.1M | $16.0M | $576K | — | View 990 |
| 2015 | $1.9M | $1.4M | $15.5M | $553K | — | View 990 |
| 2014 | $2.4M | $1.9M | $14.8M | $464K | — | View 990 |
| 2013 | $2.4M | $1.9M | $13.6M | $367K | — | View 990 |
| 2012 | $2.3M | $1.7M | $12.7M | $235K | — | View 990 |
| 2011 | $2.1M | $1.4M | $11.0M | $208K | — | View 990 |
Year-by-Year Financial Summary
- 2023: Revenue of $2.9M, expenses of $2.6M, and assets of $26.7M (revenue +36.5% year-over-year).
- 2022: Revenue of $2.1M, expenses of $1.5M, and assets of $24.7M (revenue +8.6% year-over-year).
- 2021: Revenue of $1.9M, expenses of $1.6M, and assets of $27.4M (revenue -12.1% year-over-year).
- 2020: Revenue of $2.2M, expenses of $1.9M, and assets of $22.1M (revenue -32.5% year-over-year).
- 2019: Revenue of $3.3M, expenses of $2.1M, and assets of $21.4M (revenue +37.2% year-over-year).
- 2018: Revenue of $2.4M, expenses of $1.8M, and assets of $19.2M (revenue +0.4% year-over-year).
- 2017: Revenue of $2.4M, expenses of $1.7M, and assets of $17.6M (revenue -2.2% year-over-year).
- 2016: Revenue of $2.4M, expenses of $2.1M, and assets of $16.0M (revenue +29.9% year-over-year).
- 2015: Revenue of $1.9M, expenses of $1.4M, and assets of $15.5M (revenue -21.3% year-over-year).
- 2014: Revenue of $2.4M, expenses of $1.9M, and assets of $14.8M (revenue -0.1% year-over-year).
- 2013: Revenue of $2.4M, expenses of $1.9M, and assets of $13.6M (revenue +3.0% year-over-year).
- 2012: Revenue of $2.3M, expenses of $1.7M, and assets of $12.7M (revenue +10.0% year-over-year).
- 2011: Revenue of $2.1M, expenses of $1.4M, and assets of $11.0M.
View Individual Filing Years
Explore detailed financial data from each IRS 990 filing year for American Finance Association:
Data Sources and Methodology
This transparency report for American Finance Association 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.