Neighborhood Lending Partners Inc
Neighborhood Lending Partners Inc shows significant asset growth and zero reported officer compensation amidst fluctuating revenues.
EIN: 205653201 · Tampa, FL · Updated: 2026-03-28
| Metric | Value |
|---|---|
| Total Revenue | $3.8M |
| Total Expenses | $2.9M |
| Program Spending | 85% |
| Net Assets | $20.9M |
| Transparency Score | 85/100 |
Is Neighborhood Lending Partners Inc Legit?
Some Concerns
Assessment based on IRS 990 filings, spending patterns, and AI analysis. Not a guarantee of legitimacy. Full charity check →
Neighborhood Lending Partners Inc directs 85% of its spending to programs. This exceeds the industry benchmark of 65%, indicating strong mission focus.
About Neighborhood Lending Partners Inc
Neighborhood Lending Partners Inc (EIN: 205653201) is a nonprofit organization based in Tampa, FL. The organization reported total revenue of $3.8M and total assets of $78.4M according to its most recent IRS 990 filing. This transparency report provides an AI-powered analysis of Neighborhood Lending Partners Inc's financial health, spending patterns, executive compensation, and overall mission effectiveness based on publicly available IRS data.
Organization Overview
Neighborhood Lending Partners Inc is a mid-size nonprofit that has been operating for 24 years, with 13 years of IRS 990 filings on record (2011–2023). Revenue has grown at a compound annual rate of -7.5%.
Key Financial Metrics (2023)
From the most recent IRS 990 filing on record:
| Total Revenue | $9.8M |
| Total Expenses | $2.9M |
| Surplus / Deficit | +$6.9M |
| Total Assets | $48.1M |
| Total Liabilities | $27.2M |
| Net Assets | $20.9M |
| Operating Margin | 70.7% |
| Debt-to-Asset Ratio | 56.5% |
| Months of Reserves | 201.9 months |
Financial Health Grade: A
In 2023, Neighborhood Lending Partners Inc reported a surplus of $6.9M with revenue exceeding expenses, holds 201.9 months of operating reserves (strong position), has a debt-to-asset ratio of 56.5% (high leverage).
Financial Trends
Over 13 years of filings (2011–2023), Neighborhood Lending Partners Inc's revenue has declined at a compound annual growth rate (CAGR) of -7.5%.
| Year | Revenue Change | Expense Change | Asset Change |
|---|---|---|---|
| 2023 | +306.5% | +70.0% | +37.5% |
| 2022 | +2.0% | -40.6% | +14.4% |
| 2021 | +16.5% | +41.8% | -4.0% |
| 2020 | -15.0% | -12.3% | -6.4% |
| 2019 | +65.9% | +33.6% | +2.2% |
IRS Tax-Exempt Classification
| IRS Classification Codes | 1000 |
| IRS Ruling Date | 2002 |
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 Neighborhood Lending Partners Inc with a Mission Score of 85 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: 10%
- programs: 85%
- fundraising: 5%
According to IRS 990 filings, Neighborhood Lending Partners Inc allocates its expenses as follows: admin: 10%, programs: 85%, fundraising: 5%. With 85% 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 $6.9M, with revenue exceeding expenses.
- Debt-to-asset ratio: 56.5%.
Executive Compensation Analysis
Neighborhood Lending Partners Inc consistently reports 0% officer compensation across all available filings, indicating that no salaries or benefits are paid to its officers, which is highly unusual and suggests a strong commitment to directing all funds to its mission or that officers are compensated through other means not reported as officer compensation.
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 Neighborhood Lending Partners Inc's IRS 990 filings:
- Significant liabilities relative to assets, though potentially normal for a lending organization
- Lack of detailed expense breakdown (program, admin, fundraising) in provided data
Strengths
The following positive indicators were identified for Neighborhood Lending Partners Inc:
- Consistent reporting of 0% officer compensation, indicating strong resource allocation to mission
- Significant asset growth, from $29,075,243 in 2014 to $48,062,600 in 2023
- Substantial revenue generation, with a peak of $9,759,428 in 2023
Frequently Asked Questions about Neighborhood Lending Partners Inc
Is Neighborhood Lending Partners Inc a legitimate charity?
Neighborhood Lending Partners Inc (EIN: 205653201) is a registered tax-exempt nonprofit based in Florida. Our AI analysis gives it a Mission Score of 85/100. It has 13 years of IRS 990 filings on record. Total revenue: $3.8M. 2 red flags identified. 3 strengths noted. Financial health grade: A.
How does Neighborhood Lending Partners Inc spend its money?
Neighborhood Lending Partners Inc directs 85% of its spending to programs and services. Fundraising costs 5%. This exceeds the 65% industry benchmark.
Are donations to Neighborhood Lending Partners Inc tax-deductible?
Neighborhood Lending Partners Inc is registered as a tax-exempt nonprofit (EIN: 205653201). Donations to most 501(c)(3) organizations are tax-deductible. Consult a tax professional for your specific situation.
What percentage of Neighborhood Lending Partners Inc's spending goes to programs?
Neighborhood Lending Partners Inc directs 85% to programs, 5% to fundraising. This exceeds the 65% industry benchmark for efficient nonprofits.
Where is Neighborhood Lending Partners Inc located?
Neighborhood Lending Partners Inc is headquartered in Tampa, Florida and files with the IRS under EIN 205653201.
How many years of IRS 990 filings does Neighborhood Lending Partners Inc have?
Neighborhood Lending Partners Inc has 13 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 $3.8M in total revenue.
Is Neighborhood Lending Partners Inc a good charity?
Based on the available data, NLP appears to be a financially stable organization with significant assets and a strong commitment to transparency regarding executive compensation (0% reported). Its mission focus and efficiency are likely high given the lack of officer compensation, but a detailed breakdown of program vs. administrative expenses would provide a more definitive answer.
How does Neighborhood Lending Partners Inc manage its significant liabilities?
The organization consistently carries substantial liabilities, reaching $27,172,077 in 2023. This is likely inherent to its lending activities as a financial intermediary. A deeper dive into its balance sheet and lending portfolio would be necessary to assess its debt management strategies and risk exposure.
What caused the large revenue spike in 2023?
Revenue for Neighborhood Lending Partners Inc jumped from $2,400,742 in 2022 to $9,759,428 in 2023. This significant increase could be due to a large grant, a successful fundraising campaign, or substantial investment income. Further details from the 2023 filing would clarify the source of this revenue.
Filing History
IRS 990 filing history for Neighborhood Lending Partners Inc showing financial trends over 13 years of public records:
Over 13 years of IRS 990 filings (2011–2023), Neighborhood Lending Partners Inc's revenue has declined by 60.9%, moving from $25.0M to $9.8M. Total assets increased by 50.4% over the same period, from $32.0M to $48.1M. Total functional expenses fell by 88.4%, from $24.7M to $2.9M. In its most recent filing year (2023), Neighborhood Lending Partners Inc reported a surplus of $6.9M, with revenue exceeding expenses. The organization holds $27.2M in liabilities against $48.1M in assets (debt-to-asset ratio: 56.5%), resulting in net assets of $20.9M.
| Year | Revenue | Expenses | Assets | Liabilities | Officer Comp. % | |
|---|---|---|---|---|---|---|
| 2023 | $9.8M | $2.9M | $48.1M | $27.2M | — | View 990 |
| 2022 | $2.4M | $1.7M | $34.9M | $21.0M | — | View 990 |
| 2021 | $2.4M | $2.8M | $30.6M | $17.3M | — | View 990 |
| 2020 | $2.0M | $2.0M | $31.8M | $18.1M | — | View 990 |
| 2019 | $2.4M | $2.3M | $34.0M | $20.3M | — | View 990 |
| 2018 | $1.4M | $1.7M | $33.3M | $19.7M | — | View 990 |
| 2017 | $1.4M | $1.8M | $32.8M | $18.9M | — | View 990 |
| 2016 | $9.2M | $9.1M | $31.3M | $17.1M | — | View 990 |
| 2015 | $3.7M | $4.6M | $31.1M | $17.0M | — | View 990 |
| 2014 | $7.4M | $10.6M | $29.1M | $14.0M | — | View 990 |
| 2013 | $18.8M | $19.4M | $31.5M | $13.3M | — | View 990 |
| 2012 | $8.6M | $8.5M | $30.9M | $12.0M | — | View 990 |
| 2011 | $25.0M | $24.7M | $32.0M | $13.2M | — | View 990 |
Year-by-Year Financial Summary
- 2023: Revenue of $9.8M, expenses of $2.9M, and assets of $48.1M (revenue +306.5% year-over-year).
- 2022: Revenue of $2.4M, expenses of $1.7M, and assets of $34.9M (revenue +2.0% year-over-year).
- 2021: Revenue of $2.4M, expenses of $2.8M, and assets of $30.6M (revenue +16.5% year-over-year).
- 2020: Revenue of $2.0M, expenses of $2.0M, and assets of $31.8M (revenue -15.0% year-over-year).
- 2019: Revenue of $2.4M, expenses of $2.3M, and assets of $34.0M (revenue +65.9% year-over-year).
- 2018: Revenue of $1.4M, expenses of $1.7M, and assets of $33.3M (revenue +2.1% year-over-year).
- 2017: Revenue of $1.4M, expenses of $1.8M, and assets of $32.8M (revenue -84.7% year-over-year).
- 2016: Revenue of $9.2M, expenses of $9.1M, and assets of $31.3M (revenue +149.8% year-over-year).
- 2015: Revenue of $3.7M, expenses of $4.6M, and assets of $31.1M (revenue -50.5% year-over-year).
- 2014: Revenue of $7.4M, expenses of $10.6M, and assets of $29.1M (revenue -60.4% year-over-year).
- 2013: Revenue of $18.8M, expenses of $19.4M, and assets of $31.5M (revenue +118.0% year-over-year).
- 2012: Revenue of $8.6M, expenses of $8.5M, and assets of $30.9M (revenue -65.5% year-over-year).
- 2011: Revenue of $25.0M, expenses of $24.7M, and assets of $32.0M.
View Individual Filing Years
Explore detailed financial data from each IRS 990 filing year for Neighborhood Lending Partners Inc:
Data Sources and Methodology
This transparency report for Neighborhood Lending Partners 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.