Americas Credit Union Museum Foundation
Americas Credit Union Museum Foundation maintains stable assets despite fluctuating revenue and periods of deficit spending.
EIN: 20472576 · Marlborough, MA · Updated: 2026-03-28
Is Americas Credit Union Museum Foundation Legit?
Some Concerns
Assessment based on IRS 990 filings, spending patterns, and AI analysis. Not a guarantee of legitimacy. Full charity check →
Americas Credit Union Museum Foundation directs 70% of its spending to programs. This meets the industry benchmark of 65% for efficient nonprofits.
About Americas Credit Union Museum Foundation
Americas Credit Union Museum Foundation (EIN: 20472576) is a nonprofit organization based in Marlborough, MA. The organization reported total revenue of $336K and total assets of $2.6M according to its most recent IRS 990 filing. This transparency report provides an AI-powered analysis of Americas Credit Union Museum Foundation's financial health, spending patterns, executive compensation, and overall mission effectiveness based on publicly available IRS data.
Organization Overview
Americas Credit Union Museum Foundation is a small nonprofit that has been operating for 32 years, with 10 years of IRS 990 filings on record (2011–2023). Revenue has grown at a compound annual rate of 5.9%.
Key Financial Metrics (2023)
From the most recent IRS 990 filing on record:
| Total Revenue | $487K |
| Total Expenses | $401K |
| Surplus / Deficit | +$86K |
| Total Assets | $2.7M |
| Total Liabilities | $317K |
| Net Assets | $2.4M |
| Operating Margin | 17.7% |
| Debt-to-Asset Ratio | 11.9% |
| Months of Reserves | 79.9 months |
Financial Health Grade: A
In 2023, Americas Credit Union Museum Foundation reported a surplus of $86K with revenue exceeding expenses, holds 79.9 months of operating reserves (strong position), has a debt-to-asset ratio of 11.9% (very low leverage).
Financial Trends
Over 10 years of filings (2011–2023), Americas Credit Union Museum Foundation's revenue has grown at a compound annual growth rate (CAGR) of 5.9%.
| Year | Revenue Change | Expense Change | Asset Change |
|---|---|---|---|
| 2023 | +21.5% | -5.7% | +1.4% |
| 2022 | +55.3% | +31.0% | -0.7% |
| 2021 | -11.1% | -5.6% | -2.6% |
| 2020 | +59.8% | -4.5% | -1.6% |
| 2019 | -73.2% | +32.1% | -0.4% |
IRS Tax-Exempt Classification
| IRS Classification Codes | 1000 |
| IRS Ruling Date | 1994 |
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 Americas Credit Union Museum Foundation with a Mission Score of 75 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: 20%
- programs: 70%
- fundraising: 10%
According to IRS 990 filings, Americas Credit Union Museum Foundation allocates its expenses as follows: admin: 20%, programs: 70%, fundraising: 10%. Approximately 70% goes to programs, indicating moderate mission focus.
Key Financial Metrics (2023)
From the most recent IRS 990 filing on record:
- The organization reported a surplus of $86K, with revenue exceeding expenses.
- Debt-to-asset ratio: 11.9%.
Executive Compensation Analysis
The organization consistently reports 0% officer compensation across all available filings, which is highly unusual for an organization of its size and asset base ($2.6 million). This suggests either a fully volunteer executive leadership or that executive compensation is categorized under other expense lines, which could obscure true administrative costs.
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 Americas Credit Union Museum Foundation's IRS 990 filings:
- Significant revenue volatility year-over-year, indicating potential funding instability (e.g., $1,170,700 in 2014 vs. $181,682 in 2019).
- Multiple years of expenses exceeding revenue (e.g., 2022, 2021, 2020, 2019), suggesting reliance on reserves or non-operating income.
- Consistent 0% officer compensation reported, which is unusual and may obscure actual executive remuneration if it's reported elsewhere.
Strengths
The following positive indicators were identified for Americas Credit Union Museum Foundation:
- Strong and stable asset base, consistently above $2.5 million in recent years, providing financial resilience.
- Consistent filing of IRS Form 990s, demonstrating commitment to transparency.
- Positive operating margin in the most recent filing (2023: Revenue $487,047 vs. Expenses $400,614).
Frequently Asked Questions about Americas Credit Union Museum Foundation
Is Americas Credit Union Museum Foundation a legitimate charity?
Based on AI analysis of IRS 990 filings, Americas Credit Union Museum Foundation (EIN: 20472576) some concerns. Mission Score: 75/100. 3 red flags identified, 3 strengths noted.
How does Americas Credit Union Museum Foundation spend its money?
Americas Credit Union Museum Foundation directs 70% of its spending to programs and services. The remaining budget covers administration and fundraising costs.
Are donations to Americas Credit Union Museum Foundation tax-deductible?
Americas Credit Union Museum Foundation is registered as a tax-exempt nonprofit (EIN: 20472576). Donations to most 501(c)(3) organizations are tax-deductible. Consult a tax professional for your specific situation.
How does Americas Credit Union Museum Foundation sustain operations during years with revenue deficits?
The foundation appears to draw from its substantial asset base, which has consistently been over $2.5 million in recent years, to cover expenses when revenue falls short, as seen in 2022 ($400,919 revenue vs. $424,736 expenses) and 2021 ($258,089 revenue vs. $324,243 expenses).
What is the nature of the '0% Officer Comp' reported across all filings?
The consistent reporting of 0% officer compensation suggests that executive leadership may be entirely volunteer-based, or that any compensation is reported under different expense categories, which would require further detail from the full 990 forms to clarify.
What are the primary sources of the foundation's revenue, given its significant fluctuations?
The significant fluctuations in revenue, from $1,170,700 in 2014 to $181,682 in 2019, indicate a reliance on variable funding sources, potentially large grants, specific fundraising campaigns, or investment income, which are not detailed in the provided summary.
Filing History
IRS 990 filing history for Americas Credit Union Museum Foundation showing financial trends over 10 years of public records:
Over 10 years of IRS 990 filings (2011–2023), Americas Credit Union Museum Foundation's revenue has grown by 99.5%, moving from $244K to $487K. Total assets increased by 106.7% over the same period, from $1.3M to $2.7M. Total functional expenses rose by 31.9%, from $304K to $401K. In its most recent filing year (2023), Americas Credit Union Museum Foundation reported a surplus of $86K, with revenue exceeding expenses. The organization holds $317K in liabilities against $2.7M in assets (debt-to-asset ratio: 11.9%), resulting in net assets of $2.4M.
| Year | Revenue | Expenses | Assets | Liabilities | Officer Comp. % | |
|---|---|---|---|---|---|---|
| 2023 | $487K | $401K | $2.7M | $317K | — | — |
| 2022 | $401K | $425K | $2.6M | $367K | — | View 990 |
| 2021 | $258K | $324K | $2.7M | $361K | — | View 990 |
| 2020 | $290K | $343K | $2.7M | $366K | — | — |
| 2019 | $182K | $359K | $2.8M | $357K | — | — |
| 2015 | $677K | $272K | $2.8M | $154K | — | View 990 |
| 2014 | $1.2M | $274K | $2.4M | $214K | — | View 990 |
| 2013 | $396K | $317K | $1.6M | $282K | — | View 990 |
| 2012 | $555K | $272K | $1.6M | $336K | — | View 990 |
| 2011 | $244K | $304K | $1.3M | $342K | — | View 990 |
Year-by-Year Financial Summary
- 2023: Revenue of $487K, expenses of $401K, and assets of $2.7M (revenue +21.5% year-over-year).
- 2022: Revenue of $401K, expenses of $425K, and assets of $2.6M (revenue +55.3% year-over-year).
- 2021: Revenue of $258K, expenses of $324K, and assets of $2.7M (revenue -11.1% year-over-year).
- 2020: Revenue of $290K, expenses of $343K, and assets of $2.7M (revenue +59.8% year-over-year).
- 2019: Revenue of $182K, expenses of $359K, and assets of $2.8M (revenue -73.2% year-over-year).
- 2015: Revenue of $677K, expenses of $272K, and assets of $2.8M (revenue -42.2% year-over-year).
- 2014: Revenue of $1.2M, expenses of $274K, and assets of $2.4M (revenue +195.7% year-over-year).
- 2013: Revenue of $396K, expenses of $317K, and assets of $1.6M (revenue -28.6% year-over-year).
- 2012: Revenue of $555K, expenses of $272K, and assets of $1.6M (revenue +127.2% year-over-year).
- 2011: Revenue of $244K, expenses of $304K, and assets of $1.3M.
Data Sources and Methodology
This transparency report for Americas Credit Union Museum 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.