Friends Mutual Health Group
Friends Mutual Health Group consistently operates with positive net income and zero reported officer compensation.
EIN: 205892892 · Mount Joy, PA · NTEE: Y20 · Updated: 2026-03-28
Is Friends Mutual Health Group Legit?
Some Concerns
Assessment based on IRS 990 filings, spending patterns, and AI analysis. Not a guarantee of legitimacy. Full charity check →
Friends Mutual Health Group directs 90% of its spending to programs. This exceeds the industry benchmark of 65%, indicating strong mission focus.
About Friends Mutual Health Group
Friends Mutual Health Group (EIN: 205892892) is a nonprofit organization based in Mount Joy, PA, classified under NTEE code Y20. The organization reported total revenue of $4.3M and total assets of $6.9M according to its most recent IRS 990 filing. This transparency report provides an AI-powered analysis of Friends Mutual Health Group's financial health, spending patterns, executive compensation, and overall mission effectiveness based on publicly available IRS data.
Organization Overview
Friends Mutual Health Group is a mid-size nonprofit that has been operating for 18 years, with 13 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 | $3.1M |
| Total Expenses | $2.6M |
| Surplus / Deficit | +$561K |
| Total Assets | $6.6M |
| Total Liabilities | $334K |
| Net Assets | $6.3M |
| Operating Margin | 17.8% |
| Debt-to-Asset Ratio | 5.1% |
| Months of Reserves | 30.7 months |
Financial Health Grade: A
In 2023, Friends Mutual Health Group reported a surplus of $561K with revenue exceeding expenses, holds 30.7 months of operating reserves (strong position), has a debt-to-asset ratio of 5.1% (very low leverage).
Financial Trends
Over 13 years of filings (2011–2023), Friends Mutual Health Group's revenue has declined at a compound annual growth rate (CAGR) of -5.9%.
| Year | Revenue Change | Expense Change | Asset Change |
|---|---|---|---|
| 2023 | +18.5% | +7.3% | +11.2% |
| 2022 | -16.5% | -28.7% | -18.8% |
| 2021 | -8.3% | +14.5% | -9.4% |
| 2020 | +2.8% | +16.8% | +5.8% |
| 2019 | -44.8% | -55.1% | +10.7% |
IRS Tax-Exempt Classification
| IRS Classification Codes | 1200 |
| IRS Ruling Date | 2008 |
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 Friends Mutual Health Group with a Mission Score of 95 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: 7%
- programs: 90%
- fundraising: 3%
According to IRS 990 filings, Friends Mutual Health Group allocates its expenses as follows: admin: 7%, programs: 90%, fundraising: 3%. With 90% 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 $561K, with revenue exceeding expenses.
- Debt-to-asset ratio: 5.1%.
Executive Compensation Analysis
Friends Mutual Health Group reports 0% officer compensation across all 13 available IRS 990 filings, indicating that no executive salaries are paid or are reported in this category, which is highly unusual for an organization with revenues consistently in the millions.
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 Friends Mutual Health Group's IRS 990 filings:
- Unusually low liabilities relative to assets in some years (e.g., $237,755 liabilities vs. $8,067,116 assets in 2020) could indicate aggressive asset management or specific financial structures.
- The consistent 0% officer compensation is highly unusual for an organization of this size and revenue, warranting further investigation into how leadership is compensated or structured.
Strengths
The following positive indicators were identified for Friends Mutual Health Group:
- Consistent positive net income in most years, demonstrating financial stability and growth (e.g., $561,048 net income in 2023).
- Significant asset growth over the decade, from $5,690,948 in 2014 to $6,604,161 in 2023.
- Zero reported officer compensation across all filings, suggesting a highly efficient and mission-focused allocation of funds.
- Strong financial reserves with assets consistently exceeding liabilities.
- Long history of IRS 990 filings (13 filings), indicating consistent compliance and transparency.
Frequently Asked Questions about Friends Mutual Health Group
Is Friends Mutual Health Group a legitimate charity?
Based on AI analysis of IRS 990 filings, Friends Mutual Health Group (EIN: 205892892) some concerns. Mission Score: 95/100. 2 red flags identified, 5 strengths noted.
How does Friends Mutual Health Group spend its money?
Friends Mutual Health Group directs 90% of its spending to programs and services. The remaining budget covers administration and fundraising costs.
Are donations to Friends Mutual Health Group tax-deductible?
Friends Mutual Health Group is registered as a tax-exempt nonprofit (EIN: 205892892). Donations to most 501(c)(3) organizations are tax-deductible. Consult a tax professional for your specific situation.
How does Friends Mutual Health Group manage to operate with 0% reported officer compensation given its multi-million dollar revenue?
The consistent reporting of 0% officer compensation across all filings suggests either a fully volunteer-led executive team or that executive compensation is categorized differently on their 990s, which would require reviewing the full Form 990 for details on other salaries and wages.
What are the specific program services provided by Friends Mutual Health Group?
The provided data does not detail specific program services. To understand the impact, one would need to review the organization's full IRS Form 990, specifically Part III, Statement of Program Service Accomplishments.
Has the organization experienced any significant financial challenges?
While most years show positive net income, the organization did report expenses exceeding revenue in 2021 ($3,372,013 expenses vs. $3,176,976 revenue) and 2017 ($5,481,322 expenses vs. $5,370,361 revenue), indicating periods where expenses outpaced income, though assets remained robust.
Filing History
IRS 990 filing history for Friends Mutual Health Group showing financial trends over 13 years of public records:
Over 13 years of IRS 990 filings (2011–2023), Friends Mutual Health Group's revenue has declined by 51.8%, moving from $6.5M to $3.1M. Total assets increased by 61.2% over the same period, from $4.1M to $6.6M. Total functional expenses fell by 53.7%, from $5.6M to $2.6M. In its most recent filing year (2023), Friends Mutual Health Group reported a surplus of $561K, with revenue exceeding expenses. The organization holds $334K in liabilities against $6.6M in assets (debt-to-asset ratio: 5.1%), resulting in net assets of $6.3M.
| Year | Revenue | Expenses | Assets | Liabilities | Officer Comp. % | |
|---|---|---|---|---|---|---|
| 2023 | $3.1M | $2.6M | $6.6M | $334K | — | — |
| 2022 | $2.7M | $2.4M | $5.9M | $477K | — | View 990 |
| 2021 | $3.2M | $3.4M | $7.3M | $1.2M | — | View 990 |
| 2020 | $3.5M | $2.9M | $8.1M | $238K | — | — |
| 2019 | $3.4M | $2.5M | $7.6M | $602K | — | View 990 |
| 2018 | $6.1M | $5.6M | $6.9M | $546K | — | View 990 |
| 2017 | $5.4M | $5.5M | $6.8M | $722K | — | View 990 |
| 2016 | $5.4M | $4.6M | $6.6M | $530K | — | View 990 |
| 2015 | $5.4M | $4.7M | $6.1M | $847K | — | View 990 |
| 2014 | $5.4M | $4.4M | $5.7M | $1.1M | — | View 990 |
| 2013 | $6.8M | $6.6M | $5.0M | $1.4M | — | View 990 |
| 2012 | $7.2M | $6.5M | $4.7M | $1.3M | — | View 990 |
| 2011 | $6.5M | $5.6M | $4.1M | $1.3M | — | View 990 |
Year-by-Year Financial Summary
- 2023: Revenue of $3.1M, expenses of $2.6M, and assets of $6.6M (revenue +18.5% year-over-year).
- 2022: Revenue of $2.7M, expenses of $2.4M, and assets of $5.9M (revenue -16.5% year-over-year).
- 2021: Revenue of $3.2M, expenses of $3.4M, and assets of $7.3M (revenue -8.3% year-over-year).
- 2020: Revenue of $3.5M, expenses of $2.9M, and assets of $8.1M (revenue +2.8% year-over-year).
- 2019: Revenue of $3.4M, expenses of $2.5M, and assets of $7.6M (revenue -44.8% year-over-year).
- 2018: Revenue of $6.1M, expenses of $5.6M, and assets of $6.9M (revenue +13.7% year-over-year).
- 2017: Revenue of $5.4M, expenses of $5.5M, and assets of $6.8M (revenue -0.3% year-over-year).
- 2016: Revenue of $5.4M, expenses of $4.6M, and assets of $6.6M (revenue -0.1% year-over-year).
- 2015: Revenue of $5.4M, expenses of $4.7M, and assets of $6.1M (revenue +0.3% year-over-year).
- 2014: Revenue of $5.4M, expenses of $4.4M, and assets of $5.7M (revenue -21.2% year-over-year).
- 2013: Revenue of $6.8M, expenses of $6.6M, and assets of $5.0M (revenue -4.9% year-over-year).
- 2012: Revenue of $7.2M, expenses of $6.5M, and assets of $4.7M (revenue +9.8% year-over-year).
- 2011: Revenue of $6.5M, expenses of $5.6M, and assets of $4.1M.
Data Sources and Methodology
This transparency report for Friends Mutual Health Group 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.