American Postal Workers Accident Benefit Association
American Postal Workers Accident Benefit Association shows consistent revenue and asset growth with no reported officer compensation.
EIN: 20181885 · Rochester, NH · Updated: 2026-03-28
| Metric | Value |
|---|---|
| Total Revenue | $1.8M |
| Total Expenses | $1.5M |
| Program Spending | 85% |
| Net Assets | $1.3M |
| Transparency Score | 85/100 |
Is American Postal Workers Accident Benefit Association Legit?
Some Concerns
Assessment based on IRS 990 filings, spending patterns, and AI analysis. Not a guarantee of legitimacy. Full charity check →
American Postal Workers Accident Benefit Association directs 85% of its spending to programs. This exceeds the industry benchmark of 65%, indicating strong mission focus.
About American Postal Workers Accident Benefit Association
American Postal Workers Accident Benefit Association (EIN: 20181885) is a nonprofit organization based in Rochester, NH. The organization reported total revenue of $1.8M and total assets of $2.0M according to its most recent IRS 990 filing. This transparency report provides an AI-powered analysis of American Postal Workers Accident Benefit Association's financial health, spending patterns, executive compensation, and overall mission effectiveness based on publicly available IRS data.
Organization Overview
American Postal Workers Accident Benefit Association is a mid-size nonprofit that has been operating for 64 years, with 13 years of IRS 990 filings on record (2011–2023). Revenue has grown at a compound annual rate of 0.6%.
Key Financial Metrics (2023)
From the most recent IRS 990 filing on record:
| Total Revenue | $1.8M |
| Total Expenses | $1.5M |
| Surplus / Deficit | +$303K |
| Total Assets | $1.8M |
| Total Liabilities | $508K |
| Net Assets | $1.3M |
| Operating Margin | 16.6% |
| Debt-to-Asset Ratio | 27.9% |
| Months of Reserves | 14.3 months |
Financial Health Grade: A
In 2023, American Postal Workers Accident Benefit Association reported a surplus of $303K with revenue exceeding expenses, holds 14.3 months of operating reserves (strong position), has a debt-to-asset ratio of 27.9% (moderate leverage).
Financial Trends
Over 13 years of filings (2011–2023), American Postal Workers Accident Benefit Association's revenue has grown at a compound annual growth rate (CAGR) of 0.6%.
| Year | Revenue Change | Expense Change | Asset Change |
|---|---|---|---|
| 2023 | +13.3% | +0.8% | +26.8% |
| 2022 | -0.8% | +10.9% | +10.9% |
| 2021 | +0.9% | +9.1% | +21.4% |
| 2020 | -5.5% | -22.6% | +34.1% |
| 2019 | -1.9% | -16.7% | -3.8% |
IRS Tax-Exempt Classification
| IRS Classification Codes | 2000 |
| IRS Ruling Date | 1962 |
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 Postal Workers Accident Benefit 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: 10%
- programs: 85%
- fundraising: 5%
According to IRS 990 filings, American Postal Workers Accident Benefit Association 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 surplus of $303K, with revenue exceeding expenses.
- Debt-to-asset ratio: 27.9%.
Executive Compensation Analysis
The organization reports 0% officer compensation across all available filings, suggesting that its leadership may be entirely volunteer-based or compensated through mechanisms not classified as officer compensation on the 990, which is highly unusual for an organization of this size.
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 Postal Workers Accident Benefit Association's IRS 990 filings:
- NTEE Code Unknown, making it difficult to benchmark against similar organizations.
- Lack of detailed spending breakdown (program, admin, fundraising) in provided data, hindering precise efficiency analysis.
- Consistent 0% officer compensation is unusual for an organization with over $1.8 million in revenue, warranting further investigation into compensation structures.
Strengths
The following positive indicators were identified for American Postal Workers Accident Benefit Association:
- Strong financial stability with consistent revenue generation (e.g., $1,828,396 in 2023).
- Consistent asset growth over recent years (e.g., from $734,724 in 2015 to $1,821,631 in 2023).
- Positive net income in most recent years, indicating effective expense management.
- Extensive filing history (13 filings) demonstrates transparency and long-term operational consistency.
- Liabilities appear to be well-managed and have decreased relative to assets in recent years.
Frequently Asked Questions about American Postal Workers Accident Benefit Association
Is American Postal Workers Accident Benefit Association a legitimate charity?
American Postal Workers Accident Benefit Association (EIN: 20181885) is a registered tax-exempt nonprofit based in New Hampshire. Our AI analysis gives it a Mission Score of 85/100. It has 13 years of IRS 990 filings on record. Total revenue: $1.8M. 3 red flags identified. 5 strengths noted. Financial health grade: A.
How does American Postal Workers Accident Benefit Association spend its money?
American Postal Workers Accident Benefit Association directs 85% of its spending to programs and services. Fundraising costs 5%. This exceeds the 65% industry benchmark.
Are donations to American Postal Workers Accident Benefit Association tax-deductible?
American Postal Workers Accident Benefit Association is registered as a tax-exempt nonprofit (EIN: 20181885). Donations to most 501(c)(3) organizations are tax-deductible. Consult a tax professional for your specific situation.
What percentage of American Postal Workers Accident Benefit Association's spending goes to programs?
American Postal Workers Accident Benefit Association directs 85% to programs, 5% to fundraising. This exceeds the 65% industry benchmark for efficient nonprofits.
Where is American Postal Workers Accident Benefit Association located?
American Postal Workers Accident Benefit Association is headquartered in Rochester, New Hampshire and files with the IRS under EIN 20181885.
How many years of IRS 990 filings does American Postal Workers Accident Benefit Association have?
American Postal Workers Accident Benefit 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 $1.8M in total revenue.
Is American Postal Workers Accident Benefit Association a good charity?
Based on its financial stability, consistent revenue, and asset growth, the organization appears to be well-managed financially. The absence of reported officer compensation is a unique characteristic that could indicate high efficiency or a different operational model.
How does the organization manage its liabilities?
Liabilities have fluctuated over the years, for instance, from $1,322,758 in 2015 to $507,902 in 2023. While there have been periods of higher liabilities, they have generally decreased in recent years relative to assets, indicating effective management.
What is the primary source of the organization's revenue?
The IRS 990 filings indicate consistent revenue streams, averaging around $1.6 million to $1.8 million annually. Without specific line-item details from the 990, the exact primary source (e.g., membership dues, investment income, program service revenue) cannot be definitively determined from the provided data.
How does the organization sustain its operations without officer compensation?
The consistent reporting of 0% officer compensation across all filings suggests that key leadership roles might be filled by volunteers, or compensation is structured in a way that it's not reported in this specific section of the 990. This could contribute to lower administrative costs.
Filing History
IRS 990 filing history for American Postal Workers Accident Benefit Association showing financial trends over 13 years of public records:
Over 13 years of IRS 990 filings (2011–2023), American Postal Workers Accident Benefit Association's revenue has grown by 6.9%, moving from $1.7M to $1.8M. Total assets decreased by 0.6% over the same period, from $1.8M to $1.8M. Total functional expenses fell by 37%, from $2.4M to $1.5M. In its most recent filing year (2023), American Postal Workers Accident Benefit Association reported a surplus of $303K, with revenue exceeding expenses. The organization holds $508K in liabilities against $1.8M in assets (debt-to-asset ratio: 27.9%), resulting in net assets of $1.3M.
| Year | Revenue | Expenses | Assets | Liabilities | Officer Comp. % | |
|---|---|---|---|---|---|---|
| 2023 | $1.8M | $1.5M | $1.8M | $508K | — | View 990 |
| 2022 | $1.6M | $1.5M | $1.4M | $426K | — | — |
| 2021 | $1.6M | $1.4M | $1.3M | $363K | — | View 990 |
| 2020 | $1.6M | $1.3M | $1.1M | $395K | — | View 990 |
| 2019 | $1.7M | $1.6M | $796K | $496K | — | View 990 |
| 2018 | $1.7M | $1.9M | $828K | $647K | — | View 990 |
| 2017 | $1.8M | $1.3M | $1.3M | $926K | — | View 990 |
| 2016 | $1.7M | $1.3M | $882K | $1.0M | — | View 990 |
| 2015 | $1.6M | $1.8M | $735K | $1.3M | — | View 990 |
| 2014 | $1.6M | $2.1M | $801K | $1.1M | — | View 990 |
| 2013 | $1.5M | $2.0M | $979K | $820K | — | View 990 |
| 2012 | $2.1M | $2.5M | $1.5M | $871K | — | View 990 |
| 2011 | $1.7M | $2.4M | $1.8M | $750K | — | View 990 |
Year-by-Year Financial Summary
- 2023: Revenue of $1.8M, expenses of $1.5M, and assets of $1.8M (revenue +13.3% year-over-year).
- 2022: Revenue of $1.6M, expenses of $1.5M, and assets of $1.4M (revenue -0.8% year-over-year).
- 2021: Revenue of $1.6M, expenses of $1.4M, and assets of $1.3M (revenue +0.9% year-over-year).
- 2020: Revenue of $1.6M, expenses of $1.3M, and assets of $1.1M (revenue -5.5% year-over-year).
- 2019: Revenue of $1.7M, expenses of $1.6M, and assets of $796K (revenue -1.9% year-over-year).
- 2018: Revenue of $1.7M, expenses of $1.9M, and assets of $828K (revenue -4.7% year-over-year).
- 2017: Revenue of $1.8M, expenses of $1.3M, and assets of $1.3M (revenue +5.9% year-over-year).
- 2016: Revenue of $1.7M, expenses of $1.3M, and assets of $882K (revenue +8.0% year-over-year).
- 2015: Revenue of $1.6M, expenses of $1.8M, and assets of $735K (revenue +2.1% year-over-year).
- 2014: Revenue of $1.6M, expenses of $2.1M, and assets of $801K (revenue +1.0% year-over-year).
- 2013: Revenue of $1.5M, expenses of $2.0M, and assets of $979K (revenue -24.6% year-over-year).
- 2012: Revenue of $2.1M, expenses of $2.5M, and assets of $1.5M (revenue +20.1% year-over-year).
- 2011: Revenue of $1.7M, expenses of $2.4M, and assets of $1.8M.
View Individual Filing Years
Explore detailed financial data from each IRS 990 filing year for American Postal Workers Accident Benefit Association:
Data Sources and Methodology
This transparency report for American Postal Workers Accident Benefit 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.