Bernard And Ella Saul Charitable Foundation
Bernard And Ella Saul Charitable Foundation shows fluctuating revenue and expenses with declining assets, consistently reporting no officer compensation.
EIN: 141722046 · Baltimore, MD · Updated: 2026-03-28
| Metric | Value |
|---|---|
| Total Revenue | $97K |
| Program Spending | 95% |
| Net Assets | $1.3M |
| Transparency Score | 75/100 |
Is Bernard And Ella Saul Charitable Foundation Legit?
Some Concerns
Assessment based on IRS 990 filings, spending patterns, and AI analysis. Not a guarantee of legitimacy. Full charity check →
Bernard And Ella Saul Charitable Foundation directs 95% of its spending to programs. This exceeds the industry benchmark of 65%, indicating strong mission focus.
About Bernard And Ella Saul Charitable Foundation
Bernard And Ella Saul Charitable Foundation (EIN: 141722046) is a nonprofit organization based in Baltimore, MD. The organization reported total revenue of $97K and total assets of $1.4M according to its most recent IRS 990 filing. This transparency report provides an AI-powered analysis of Bernard And Ella Saul Charitable Foundation's financial health, spending patterns, executive compensation, and overall mission effectiveness based on publicly available IRS data.
Organization Overview
Bernard And Ella Saul Charitable Foundation is a micro nonprofit that has been operating for 36 years, with 10 years of IRS 990 filings on record (2011–2023). Revenue has grown at a compound annual rate of 4.1%.
Key Financial Metrics (2023)
From the most recent IRS 990 filing on record:
| Total Revenue | $71K |
| Total Expenses | $0 |
| Surplus / Deficit | +$71K |
| Total Assets | $1.3M |
| Total Liabilities | $1 |
| Net Assets | $1.3M |
| Operating Margin | 100.0% |
| Debt-to-Asset Ratio | 0.0% |
Financial Health Grade: A
In 2023, Bernard And Ella Saul Charitable Foundation reported a surplus of $71K with revenue exceeding expenses, has a debt-to-asset ratio of 0.0% (very low leverage).
Financial Trends
Over 10 years of filings (2011–2023), Bernard And Ella Saul Charitable Foundation's revenue has grown at a compound annual growth rate (CAGR) of 4.1%.
| Year | Revenue Change | Expense Change | Asset Change |
|---|---|---|---|
| 2023 | +231.7% | -100.0% | +5.8% |
| 2022 | -80.8% | +131770.5% | -35.8% |
| 2021 | +179.9% | -100.0% | +6.2% |
| 2020 | -79.6% | +2203.7% | -40.5% |
| 2019 | +9.4% | -73.0% | +12.4% |
IRS Tax-Exempt Classification
| IRS Classification Codes | 1000 |
| IRS Ruling Date | 1990 |
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 Bernard And Ella Saul Charitable 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: 5%
- programs: 95%
- fundraising: 0%
According to IRS 990 filings, Bernard And Ella Saul Charitable Foundation allocates its expenses as follows: admin: 5%, programs: 95%, fundraising: 0%. With 95% 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:
- Debt-to-asset ratio: 0.0%.
Executive Compensation Analysis
The organization consistently reports 0% officer compensation across all filings, indicating that its leadership is either entirely volunteer-based or compensated through other means not categorized as officer compensation, which is a positive sign for minimizing administrative overhead.
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 Bernard And Ella Saul Charitable Foundation's IRS 990 filings:
- Inconsistent expense reporting with $0 expenses in some years (e.g., 2023, 2021), making financial analysis difficult.
- Consistent reporting of $1 in liabilities, which is an unusual accounting practice.
- Significant decline in assets over the past decade (from $3.1M in 2011 to $1.2M in 2023) without clear explanation in provided data.
Strengths
The following positive indicators were identified for Bernard And Ella Saul Charitable Foundation:
- Consistent reporting of 0% officer compensation, indicating a lean administrative structure or volunteer leadership.
- Low liabilities, suggesting strong financial solvency with minimal debt.
- Consistent filing of IRS 990s, demonstrating commitment to public transparency.
Frequently Asked Questions about Bernard And Ella Saul Charitable Foundation
Is Bernard And Ella Saul Charitable Foundation a legitimate charity?
Bernard And Ella Saul Charitable Foundation (EIN: 141722046) is a registered tax-exempt nonprofit based in Maryland. Our AI analysis gives it a Mission Score of 75/100. It has 10 years of IRS 990 filings on record. Total revenue: $97K. 3 red flags identified. 3 strengths noted. Financial health grade: A.
How does Bernard And Ella Saul Charitable Foundation spend its money?
Bernard And Ella Saul Charitable Foundation directs 95% of its spending to programs and services. This exceeds the 65% industry benchmark.
Are donations to Bernard And Ella Saul Charitable Foundation tax-deductible?
Bernard And Ella Saul Charitable Foundation is registered as a tax-exempt nonprofit (EIN: 141722046). Donations to most 501(c)(3) organizations are tax-deductible. Consult a tax professional for your specific situation.
Where is Bernard And Ella Saul Charitable Foundation located?
Bernard And Ella Saul Charitable Foundation is headquartered in Baltimore, Maryland and files with the IRS under EIN 141722046.
How many years of IRS 990 filings does Bernard And Ella Saul Charitable Foundation have?
Bernard And Ella Saul Charitable Foundation has 10 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 $97K in total revenue.
Why does the foundation report $0 in expenses in some years, such as 2023 and 2021?
This could indicate that in those specific years, the foundation did not incur any operational expenses or make any grant disbursements that would be categorized as expenses on the 990 form, or that expenses were deferred or covered by other entities. It's unusual for an active foundation.
What is the nature of the 'Liabilities=$1' reported consistently across all filings?
The consistent reporting of $1 in liabilities is highly unusual and could be a placeholder or an accounting anomaly. It suggests the foundation has virtually no debt or outstanding obligations, which is financially sound but warrants clarification on its accounting methodology.
How does the foundation manage its assets, given the decline from over $3 million to $1.2 million?
The decline in assets from $3,132,908 in 2011 to $1,289,194 in 2023 could be due to significant grant distributions exceeding investment returns or market fluctuations affecting investment values. Further details on investment performance and grant-making history would be needed.
What specific programs or grants does the Bernard And Ella Saul Charitable Foundation support?
The provided IRS 990 data does not detail specific programs or grant recipients. To understand its programmatic impact, one would need to review the full 990 forms, specifically Schedule I (Grants and Other Assistance to Organizations, Governments, and Individuals in the U.S.) if applicable.
Filing History
IRS 990 filing history for Bernard And Ella Saul Charitable Foundation showing financial trends over 10 years of public records:
Over 10 years of IRS 990 filings (2011–2023), Bernard And Ella Saul Charitable Foundation's revenue has grown by 62.7%, moving from $44K to $71K. Total assets decreased by 58.8% over the same period, from $3.1M to $1.3M. Total functional expenses fell by 100%, from $203K to $0. The organization holds $1 in liabilities against $1.3M in assets (debt-to-asset ratio: 0.0%), resulting in net assets of $1.3M.
| Year | Revenue | Expenses | Assets | Liabilities | Officer Comp. % | |
|---|---|---|---|---|---|---|
| 2023 | $71K | $0 | $1.3M | $1 | — | — |
| 2022 | $21K | $702K | $1.2M | $1 | — | — |
| 2021 | $111K | $532 | $1.9M | $1 | — | — |
| 2020 | $40K | $1.3M | $1.8M | $1 | — | — |
| 2019 | $195K | $55K | $3.0M | $1 | — | View 990 |
| 2015 | $178K | $202K | $2.7M | $1 | — | View 990 |
| 2014 | $81K | $250K | $2.7M | $1 | — | View 990 |
| 2013 | $15K | $100K | $2.9M | $1 | — | View 990 |
| 2012 | $18K | $200K | $3.0M | $1 | — | View 990 |
| 2011 | $44K | $203K | $3.1M | $1 | — | View 990 |
Year-by-Year Financial Summary
- 2023: Revenue of $71K, expenses of $0, and assets of $1.3M (revenue +231.7% year-over-year).
- 2022: Revenue of $21K, expenses of $702K, and assets of $1.2M (revenue -80.8% year-over-year).
- 2021: Revenue of $111K, expenses of $532, and assets of $1.9M (revenue +179.9% year-over-year).
- 2020: Revenue of $40K, expenses of $1.3M, and assets of $1.8M (revenue -79.6% year-over-year).
- 2019: Revenue of $195K, expenses of $55K, and assets of $3.0M (revenue +9.4% year-over-year).
- 2015: Revenue of $178K, expenses of $202K, and assets of $2.7M (revenue +120.3% year-over-year).
- 2014: Revenue of $81K, expenses of $250K, and assets of $2.7M (revenue +437.9% year-over-year).
- 2013: Revenue of $15K, expenses of $100K, and assets of $2.9M (revenue -14.8% year-over-year).
- 2012: Revenue of $18K, expenses of $200K, and assets of $3.0M (revenue -59.5% year-over-year).
- 2011: Revenue of $44K, expenses of $203K, and assets of $3.1M.
View Individual Filing Years
Explore detailed financial data from each IRS 990 filing year for Bernard And Ella Saul Charitable Foundation:
Data Sources and Methodology
This transparency report for Bernard And Ella Saul Charitable 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.