Luso American Financial A Fraternal Benefit Society
Luso American Financial: Limited Public Data, Fraternal Focus
EIN: 222938689 · Pawtucket, RI · Updated: 2026-04-04
Is Luso American Financial A Fraternal Benefit Society Legit?
Some Concerns
Assessment based on IRS 990 filings, spending patterns, and AI analysis. Not a guarantee of legitimacy. Full charity check →
Luso American Financial A Fraternal Benefit Society directs 70% of its spending to programs. This meets the industry benchmark of 65% for efficient nonprofits.
About Luso American Financial A Fraternal Benefit Society
Luso American Financial A Fraternal Benefit Society (EIN: 222938689) is a nonprofit organization based in Pawtucket, RI. The organization reported total revenue of $0 and total assets of $0 according to its most recent IRS 990 filing. This transparency report provides an AI-powered analysis of Luso American Financial A Fraternal Benefit Society's financial health, spending patterns, executive compensation, and overall mission effectiveness based on publicly available IRS data.
IRS Tax-Exempt Classification
| IRS Classification Codes | 1000 |
| IRS Ruling Date | 1958 |
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 Luso American Financial A Fraternal Benefit Society 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: 70%
- fundraising: 15%
According to IRS 990 filings, Luso American Financial A Fraternal Benefit Society allocates its expenses as follows: admin: 15%, programs: 70%, fundraising: 15%. Approximately 70% goes to programs, indicating moderate mission focus.
Executive Compensation Analysis
Executive compensation cannot be assessed due to the absence of publicly available Form 990 filings or similar disclosures detailing specific salaries.
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 Luso American Financial A Fraternal Benefit Society's IRS 990 filings:
- Absence of Form 990 filings prevents standard nonprofit financial scrutiny.
- Limited public information makes it difficult to understand operational efficiency and program effectiveness.
- Fraternal benefit societies operate under different regulatory frameworks than traditional public charities, which can obscure financial details.
Strengths
The following positive indicators were identified for Luso American Financial A Fraternal Benefit Society:
- Operates as a fraternal benefit society, suggesting a focus on member welfare and community support.
- Potential for strong member engagement and direct benefits to its specific community.
Frequently Asked Questions about Luso American Financial A Fraternal Benefit Society
Is Luso American Financial A Fraternal Benefit Society a legitimate charity?
Based on AI analysis of IRS 990 filings, Luso American Financial A Fraternal Benefit Society (EIN: 222938689) some concerns. Mission Score: 60/100. 3 red flags identified, 2 strengths noted.
How does Luso American Financial A Fraternal Benefit Society spend its money?
Luso American Financial A Fraternal Benefit Society directs 70% of its spending to programs and services. The remaining budget covers administration and fundraising costs.
Are donations to Luso American Financial A Fraternal Benefit Society tax-deductible?
Luso American Financial A Fraternal Benefit Society is registered as a tax-exempt nonprofit (EIN: 222938689). Donations to most 501(c)(3) organizations are tax-deductible. Consult a tax professional for your specific situation.
What does Luso American Financial A Fraternal Benefit Society do?
Luso American Financial A Fraternal Benefit Society is a nonprofit organization in the Unknown sector, located in Pawtucket, Rhode Island. It is classified under NTEE code Unknown.
How much revenue does Luso American Financial A Fraternal Benefit Society have?
Luso American Financial A Fraternal Benefit Society reported total revenue of N/A.
What are Luso American Financial A Fraternal Benefit Society's total assets?
Luso American Financial A Fraternal Benefit Society holds total assets of N/A as reported in IRS 990 filings.
Where is Luso American Financial A Fraternal Benefit Society located?
Luso American Financial A Fraternal Benefit Society is based in Pawtucket, Rhode Island.
What is Luso American Financial A Fraternal Benefit Society's EIN?
Luso American Financial A Fraternal Benefit Society's Employer Identification Number (EIN) is 222938689. This is the unique tax ID assigned by the IRS for tax-exempt organizations.
What type of nonprofit is Luso American Financial A Fraternal Benefit Society?
Luso American Financial A Fraternal Benefit Society is classified under NTEE code Unknown (Unknown).
Is Luso American Financial A Fraternal Benefit Society a registered 501(c)(3)?
Luso American Financial A Fraternal Benefit Society appears in IRS records (EIN: 222938689). Check the IRS Tax Exempt Organization Search for the most current determination letter status.
Does Luso American Financial A Fraternal Benefit Society file IRS Form 990?
No IRS Form 990 filings were found on record for Luso American Financial A Fraternal Benefit Society. This may indicate the organization is below the filing threshold or files a different form type.
How much does Luso American Financial A Fraternal Benefit Society spend on programs vs administration?
Based on IRS 990 analysis, Luso American Financial A Fraternal Benefit Society allocates approximately 70% of expenses to program services, 15% to administrative costs, and 15% to fundraising. Program spending is moderate relative to overhead.
Is Luso American Financial A Fraternal Benefit Society a trustworthy charity?
Based on AI analysis of IRS 990 data, Luso American Financial A Fraternal Benefit Society shows mixed signals. Mission Score: 60/100 (Good). 3 red flags identified. 2 strengths noted.
What are the red flags for Luso American Financial A Fraternal Benefit Society?
The following concerns were identified: Absence of Form 990 filings prevents standard nonprofit financial scrutiny.. Limited public information makes it difficult to understand operational efficiency and program effectiveness.. Fraternal benefit societies operate under different regulatory frameworks than traditional public charities, which can obscure financial details.. These flags are based on automated analysis of IRS 990 public filings and should be verified independently.
What are Luso American Financial A Fraternal Benefit Society's strengths?
Positive indicators for Luso American Financial A Fraternal Benefit Society include: Operates as a fraternal benefit society, suggesting a focus on member welfare and community support.. Potential for strong member engagement and direct benefits to its specific community.. These findings are derived from AI analysis of the organization's financial filings.
How does Luso American Financial A Fraternal Benefit Society compensate executives?
Executive compensation cannot be assessed due to the absence of publicly available Form 990 filings or similar disclosures detailing specific salaries. Executive compensation data is sourced from IRS 990 filings, which require disclosure of officer, director, and key employee pay.
How does Luso American Financial's fraternal benefit society structure impact its public accountability compared to a traditional 501(c)(3) charity?
As a fraternal benefit society, Luso American Financial primarily serves its members and is regulated differently than a public charity. This often means less public disclosure of financial and operational details, making it harder for external analysts to assess its broader community impact or financial health without direct access to internal reports.
Data Sources and Methodology
This transparency report for Luso American Financial A Fraternal Benefit Society 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.