Camden Student Trust Fund
Camden Student Trust Fund's assets have declined by over 85% in a decade, with expenses consistently exceeding minimal revenue.
EIN: 16015938 · Camden, ME · Updated: 2026-03-28
| Metric | Value |
|---|---|
| Total Revenue | $6 |
| Total Expenses | $6K |
| Program Spending | 80% |
| Net Assets | $7K |
| Transparency Score | 60/100 |
Search Intent Cockpit
Camden Student Trust Fund Form 990, Revenue, CEO Pay, and IRS Filing Signals
Camden Student Trust Fund 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 Camden Student Trust Fund in one place.
Form 990 Filing Summary
7 filing years are available, with latest revenue of $6 and expenses of $6K.
Revenue and Expenses
Camden Student Trust Fund reported $6 in revenue and $6K in expenses, a deficit of $6K.
Executive Compensation
Officer, director, trustee, and key employee pay is reviewed from IRS 990 compensation disclosures when present.
Charity Score and Red Flags
60/100 mission score, 3 red flags, and 3 strengths are shown from structured and AI review.
Is Camden Student Trust Fund Legit?
Some Concerns
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 | $5K (80%) |
Across stored filings, Camden Student Trust Fund 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 | Some Concerns | Good filing record; 3 red flags identified |
| Mission spend | 80% to programs | Excellent |
| Financial durability | Grade B | 7 stored filing years |
| Peer context | Compare with Maine Composite Materials Applied Technology Development Center | Maine and category context |
Trust Check
Review legitimacy, deductibility, red flags, and filing consistency.
Open charity check →Peer Benchmark
Compare against real state and category peers.
Compare with Maine Composite Materials Applied Technology Development Center →All Maine nonprofits
Local and Sector Spokes
Move into this nonprofit's local market, category, and sector maps.
Camden, ME nonprofitsFollow the Money
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State spending analysisState compensation analysis
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Donation Decision Flow
From Trust Check to Better Alternatives
Verify
Some Concerns. Check deductibility, filings, and red flags.
2Understand money
80% of spending goes to programs.
3Compare
Benchmark against Maine Composite Materials Applied Technology Development Center.
4Decide
Build a shortlist, compare alternatives, and review the latest filing before giving.
Alternative Shopping
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Keep the Investigation Moving
Camden Student Trust Fund directs 80% of its spending to programs. This exceeds the industry benchmark of 65%, indicating strong mission focus.
About Camden Student Trust Fund
Camden Student Trust Fund (EIN: 16015938) is a nonprofit organization based in Camden, ME. The organization reported total revenue of $6 and total assets of $7K according to its most recent IRS 990 filing. This transparency report provides an AI-powered analysis of Camden Student Trust Fund's financial health, spending patterns, executive compensation, and overall mission effectiveness based on publicly available IRS data.
Organization Overview
Camden Student Trust Fund is a micro nonprofit that has been operating for 40 years, with 7 years of IRS 990 filings on record (2011–2020).
Key Financial Metrics (2020)
From the most recent IRS 990 filing on record:
| Total Revenue | $6 |
| Total Expenses | $6K |
| Surplus / Deficit | $-6,489 |
| Total Assets | $7K |
| Total Liabilities | $1 |
| Net Assets | $7K |
| Operating Margin | -108150.0% |
| Debt-to-Asset Ratio | 0.0% |
| Months of Reserves | 12.6 months |
Financial Health Grade: B
In 2020, Camden Student Trust Fund reported a deficit of $6K with expenses exceeding revenue, holds 12.6 months of operating reserves (strong position), has a debt-to-asset ratio of 0.0% (very low leverage).
Financial Trends
| Year | Revenue Change | Expense Change | Asset Change |
|---|---|---|---|
| 2020 | -40.0% | -12.1% | -48.8% |
| 2019 | -52.4% | +167.1% | -67.2% |
| 2015 | +0.0% | -7.7% | -6.3% |
| 2014 | -16.0% | +4.8% | -6.4% |
| 2013 | -72.5% | +8.1% | -5.8% |
IRS Tax-Exempt Classification
| IRS Classification Codes | 1000 |
| IRS Ruling Date | 1986 |
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 Camden Student Trust Fund with a Mission Score of 60 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: 15%
- programs: 80%
- fundraising: 5%
According to IRS 990 filings, Camden Student Trust Fund 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 (2020)
From the most recent IRS 990 filing on record:
- The organization reported a deficit of $6K, with expenses exceeding revenue.
- Debt-to-asset ratio: 0.0%.
Executive Compensation Analysis
Executive compensation is reported as 0% across all available filings, indicating that the organization's leadership is likely volunteer-based and receives no salary, which is positive for minimizing 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 Camden Student Trust Fund's IRS 990 filings:
- Consistent and significant deficit spending (expenses far exceeding revenue) over multiple years.
- Steady decline in assets from $51,603 in 2011 to $6,796 in 2020, indicating financial depletion.
- Extremely low reported revenue, suggesting limited financial activity or fundraising capacity.
Strengths
The following positive indicators were identified for Camden Student Trust Fund:
- No reported officer compensation (0%), indicating volunteer leadership and low personnel overhead.
- Consistent filing of IRS Form 990s, demonstrating a commitment to transparency.
- Stable, minimal liabilities ($1 across all filings).
Frequently Asked Questions about Camden Student Trust Fund
Is Camden Student Trust Fund a legitimate charity?
Camden Student Trust Fund (EIN: 16015938) is a registered tax-exempt nonprofit based in Maine. Our AI analysis gives it a Mission Score of 60/100. It has 7 years of IRS 990 filings on record. Total revenue: $6. 3 red flags identified. 3 strengths noted. Financial health grade: B.
How does Camden Student Trust Fund spend its money?
Camden Student Trust Fund directs 80% of its spending to programs and services. Fundraising costs 5%. This exceeds the 65% industry benchmark.
Are donations to Camden Student Trust Fund tax-deductible?
Camden Student Trust Fund is registered as a tax-exempt nonprofit (EIN: 16015938). Donations to most 501(c)(3) organizations are tax-deductible. Consult a tax professional for your specific situation.
What percentage of Camden Student Trust Fund's spending goes to programs?
Camden Student Trust Fund directs 80% to programs, 5% to fundraising. This exceeds the 65% industry benchmark for efficient nonprofits.
Where is Camden Student Trust Fund located?
Camden Student Trust Fund is headquartered in Camden, Maine and files with the IRS under EIN 16015938.
How many years of IRS 990 filings does Camden Student Trust Fund have?
Camden Student Trust Fund has 7 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 $6 in total revenue.
Is Camden Student Trust Fund actively fundraising?
Based on the consistently low reported revenue (e.g., $6 in 2020, $10 in 2019), it appears the organization is not actively or successfully fundraising on a significant scale, or its primary funding mechanism is not reflected in typical revenue streams.
What is the primary source of funding for Camden Student Trust Fund?
The filings do not explicitly detail the primary source of funding. However, given the declining assets and minimal revenue, it suggests the organization may be operating from a diminishing endowment or investment income that is not sufficient to cover expenses.
Why are expenses consistently higher than revenue?
Expenses consistently exceeding revenue (e.g., $6,495 expenses vs. $6 revenue in 2020) indicates that the organization is drawing down its assets to cover operational costs, rather than generating sufficient income to sustain itself.
Filing History
IRS 990 filing history for Camden Student Trust Fund showing financial trends over 7 years of public records:
Total assets decreased by 86.8% over the same period, from $52K to $7K. Total functional expenses rose by 126.3%, from $3K to $6K. In its most recent filing year (2020), Camden Student Trust Fund reported a deficit of $6K, with expenses exceeding revenue. The organization holds $1 in liabilities against $7K in assets (debt-to-asset ratio: 0.0%), resulting in net assets of $7K.
| Year | Revenue | Expenses | Assets | Liabilities | Officer Comp. % | |
|---|---|---|---|---|---|---|
| 2020 | $6 | $6K | $7K | $1 | — | — |
| 2019 | $10 | $7K | $13K | $1 | — | View 990 |
| 2015 | $21 | $3K | $41K | $1 | — | View 990 |
| 2014 | $21 | $3K | $43K | $1 | — | View 990 |
| 2013 | $25 | $3K | $46K | $1 | — | View 990 |
| 2012 | $91 | $3K | $49K | $1 | — | View 990 |
| 2011 | $-797 | $3K | $52K | $1 | — | View 990 |
Year-by-Year Financial Summary
- 2020: Revenue of $6, expenses of $6K, and assets of $7K (revenue -40.0% year-over-year).
- 2019: Revenue of $10, expenses of $7K, and assets of $13K (revenue -52.4% year-over-year).
- 2015: Revenue of $21, expenses of $3K, and assets of $41K (revenue +0.0% year-over-year).
- 2014: Revenue of $21, expenses of $3K, and assets of $43K (revenue -16.0% year-over-year).
- 2013: Revenue of $25, expenses of $3K, and assets of $46K (revenue -72.5% year-over-year).
- 2012: Revenue of $91, expenses of $3K, and assets of $49K.
- 2011: Revenue of $-797, expenses of $3K, and assets of $52K.
View Individual Filing Years
Explore detailed financial data from each IRS 990 filing year for Camden Student Trust Fund:
Data Sources and Methodology
This transparency report for Camden Student Trust Fund 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.