Credit Bureau Of The Virginias Foundation Inc
EIN: 550781189 · Bluefield, WV · NTEE: T11
| Metric | Value |
|---|---|
| Total Revenue | $559K |
| Total Expenses | $81K |
| Net Assets | $719K |
Search Intent Cockpit
Credit Bureau Of The Virginias Foundation Inc Form 990, Revenue, CEO Pay, and IRS Filing Signals
Credit Bureau Of The Virginias Foundation Inc 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 Credit Bureau Of The Virginias Foundation Inc in one place.
Form 990 Filing Summary
10 filing years are available, with latest revenue of $35K and expenses of $81K.
Revenue and Expenses
Credit Bureau Of The Virginias Foundation Inc reported $35K in revenue and $81K in expenses, a deficit of $46K.
Executive Compensation
Officer, director, trustee, and key employee pay is reviewed from IRS 990 compensation disclosures when present.
Charity Score and Red Flags
Mission score and red-flag review are shown when AI enrichment is available.
Is Credit Bureau Of The Virginias Foundation Inc Legit?
Insufficient Data
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
Functional expense detail is not available on the stored filing yet. Existing program percentage and future extracted expense fields will populate this panel.
Across stored filings, Credit Bureau Of The Virginias Foundation Inc shows contribution history pending. Next enrichment targets: revenue-source fields, functional expense detail, IRS BMF classification, AI synthesis.
Decision Cockpit
One-Stop Donor, Research, and Peer Context Hub
| Decision Lens | Signal | What to Inspect Next |
|---|---|---|
| Legitimacy | Insufficient Data | Good filing record; no red flags identified |
| Mission spend | Pending | Unknown |
| Financial durability | Grade B | 10 stored filing years |
| Peer context | Compare with Little League Baseball Inc | West Virginia and Philanthropy context |
Trust Check
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About Credit Bureau Of The Virginias Foundation Inc
Credit Bureau Of The Virginias Foundation Inc (EIN: 550781189) is a nonprofit organization based in Bluefield, WV, classified under NTEE code T11. The organization reported total revenue of $559K and total assets of $861K according to its most recent IRS 990 filing. This transparency report provides an AI-powered analysis of Credit Bureau Of The Virginias Foundation Inc's financial health, spending patterns, executive compensation, and overall mission effectiveness based on publicly available IRS data.
Organization Overview
Credit Bureau Of The Virginias Foundation Inc is a small nonprofit that has been operating for 25 years, with 10 years of IRS 990 filings on record (2011–2023). Revenue has grown at a compound annual rate of -15.9%.
Key Financial Metrics (2023)
From the most recent IRS 990 filing on record:
| Total Revenue | $35K |
| Total Expenses | $81K |
| Surplus / Deficit | $-45,647 |
| Total Assets | $719K |
| Total Liabilities | $1 |
| Net Assets | $719K |
| Operating Margin | -130.9% |
| Debt-to-Asset Ratio | 0.0% |
| Months of Reserves | 107.2 months |
Financial Health Grade: B
In 2023, Credit Bureau Of The Virginias Foundation Inc reported a deficit of $46K with expenses exceeding revenue, holds 107.2 months of operating reserves (strong position), has a debt-to-asset ratio of 0.0% (very low leverage).
Financial Trends
Over 10 years of filings (2011–2023), Credit Bureau Of The Virginias Foundation Inc's revenue has declined at a compound annual growth rate (CAGR) of -15.9%.
| Year | Revenue Change | Expense Change | Asset Change |
|---|---|---|---|
| 2023 | -64.7% | -14.8% | -6.2% |
| 2022 | -38.2% | +5.8% | +0.6% |
| 2021 | +275.9% | +6.5% | +10.2% |
| 2020 | -16.5% | -5.4% | -5.6% |
| 2019 | +258.8% | +0.3% | -2.9% |
IRS Tax-Exempt Classification
| IRS Classification Codes | 1000 |
| IRS Ruling Date | 2001 |
Classification data from ProPublica Nonprofit Explorer. Additional BMF data may be available after enrichment.
AI Analysis Pending
AI enrichment for Credit Bureau Of The Virginias Foundation Inc has not yet been completed. Basic IRS 990 data is shown below. Check back later for a full transparency report including a Mission Score, spending breakdown, executive compensation analysis, and red flags assessment.
Mission Effectiveness Score
NonprofitSpending's AI analysis rates Credit Bureau Of The Virginias Foundation Inc with a Mission Score of 0 out of 100 (Very Poor). This score reflects the organization's overall financial transparency, program spending efficiency, and governance indicators derived from IRS 990 public filings.
Key Financial Metrics (2023)
From the most recent IRS 990 filing on record:
- The organization reported a deficit of $46K, with expenses exceeding revenue.
- Debt-to-asset ratio: 0.0%.
Frequently Asked Questions about Credit Bureau Of The Virginias Foundation Inc
Is Credit Bureau Of The Virginias Foundation Inc a legitimate charity?
Credit Bureau Of The Virginias Foundation Inc (EIN: 550781189) is a registered tax-exempt nonprofit based in West Virginia. It has 10 years of IRS 990 filings on record. Total revenue: $559K. No red flags identified. Financial health grade: B.
How does Credit Bureau Of The Virginias Foundation Inc spend its money?
Credit Bureau Of The Virginias Foundation Inc reported $559K in total revenue in IRS 990 filings. 10 years of filing data available. Expenses exceeded revenue in the most recent year. Review the full spending breakdown on NonprofitSpending.
Are donations to Credit Bureau Of The Virginias Foundation Inc tax-deductible?
Credit Bureau Of The Virginias Foundation Inc is registered as a tax-exempt nonprofit (EIN: 550781189). Donations to most 501(c)(3) organizations are tax-deductible. Consult a tax professional for your specific situation.
Where is Credit Bureau Of The Virginias Foundation Inc located?
Credit Bureau Of The Virginias Foundation Inc is headquartered in Bluefield, West Virginia and files with the IRS under EIN 550781189. It is classified under NTEE code T11.
How many years of IRS 990 filings does Credit Bureau Of The Virginias Foundation Inc have?
Credit Bureau Of The Virginias Foundation Inc 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 $559K in total revenue.
Filing History
IRS 990 filing history for Credit Bureau Of The Virginias Foundation Inc showing financial trends over 10 years of public records:
Over 10 years of IRS 990 filings (2011–2023), Credit Bureau Of The Virginias Foundation Inc's revenue has declined by 87.5%, moving from $278K to $35K. Total assets decreased by 23.9% over the same period, from $945K to $719K. Total functional expenses rose by 17.3%, from $69K to $81K. In its most recent filing year (2023), Credit Bureau Of The Virginias Foundation Inc reported a deficit of $46K, with expenses exceeding revenue. The organization holds $1 in liabilities against $719K in assets (debt-to-asset ratio: 0.0%), resulting in net assets of $719K.
| Year | Revenue | Expenses | Assets | Liabilities | Officer Comp. % | |
|---|---|---|---|---|---|---|
| 2023 | $35K | $81K | $719K | $1 | — | — |
| 2022 | $99K | $95K | $767K | $2K | — | View 990 |
| 2021 | $160K | $89K | $763K | $2K | — | — |
| 2020 | $43K | $84K | $692K | $2K | — | — |
| 2019 | $51K | $89K | $733K | $2K | — | View 990 |
| 2015 | $14K | $88K | $755K | $2K | — | View 990 |
| 2014 | $60K | $83K | $829K | $2K | — | View 990 |
| 2013 | $25K | $73K | $852K | $2K | — | View 990 |
| 2012 | $25K | $69K | $901K | $2K | — | View 990 |
| 2011 | $278K | $69K | $945K | $2K | — | View 990 |
Year-by-Year Financial Summary
- 2023: Revenue of $35K, expenses of $81K, and assets of $719K (revenue -64.7% year-over-year).
- 2022: Revenue of $99K, expenses of $95K, and assets of $767K (revenue -38.2% year-over-year).
- 2021: Revenue of $160K, expenses of $89K, and assets of $763K (revenue +275.9% year-over-year).
- 2020: Revenue of $43K, expenses of $84K, and assets of $692K (revenue -16.5% year-over-year).
- 2019: Revenue of $51K, expenses of $89K, and assets of $733K (revenue +258.8% year-over-year).
- 2015: Revenue of $14K, expenses of $88K, and assets of $755K (revenue -76.2% year-over-year).
- 2014: Revenue of $60K, expenses of $83K, and assets of $829K (revenue +142.3% year-over-year).
- 2013: Revenue of $25K, expenses of $73K, and assets of $852K (revenue +0.4% year-over-year).
- 2012: Revenue of $25K, expenses of $69K, and assets of $901K (revenue -91.2% year-over-year).
- 2011: Revenue of $278K, expenses of $69K, and assets of $945K.
View Individual Filing Years
Explore detailed financial data from each IRS 990 filing year for Credit Bureau Of The Virginias Foundation Inc:
Data Sources and Methodology
This transparency report for Credit Bureau Of The Virginias Foundation Inc 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.