Network Branded Prepaid Card Association
Network Branded Prepaid Card Association maintains stable revenue and assets with no reported officer compensation.
EIN: 203689799 · Montvale, NJ · NTEE: S41 · Updated: 2026-03-28
| Metric | Value |
|---|---|
| Total Revenue | $1.5M |
| Total Expenses | $1.6M |
| Program Spending | 70% |
| CEO/Top Officer Pay | $1 |
| Net Assets | $292K |
| Transparency Score | 75/100 |
Is Network Branded Prepaid Card Association Legit?
Some Concerns
Assessment based on IRS 990 filings, spending patterns, and AI analysis. Not a guarantee of legitimacy. Full charity check →
Network Branded Prepaid Card Association directs 70% of its spending to programs. This meets the industry benchmark of 65% for efficient nonprofits.
About Network Branded Prepaid Card Association
Network Branded Prepaid Card Association (EIN: 203689799) is a nonprofit organization based in Montvale, NJ, classified under NTEE code S41. The organization reported total revenue of $1.5M and total assets of $880K according to its most recent IRS 990 filing. This transparency report provides an AI-powered analysis of Network Branded Prepaid Card Association's financial health, spending patterns, executive compensation, and overall mission effectiveness based on publicly available IRS data.
Organization Overview
Network Branded Prepaid Card Association is a mid-size nonprofit that has been operating for 20 years, with 13 years of IRS 990 filings on record (2011–2023). Revenue has grown at a compound annual rate of -2.6%.
Key Financial Metrics (2023)
From the most recent IRS 990 filing on record:
| Total Revenue | $1.5M |
| Total Expenses | $1.6M |
| Surplus / Deficit | $-81,307 |
| Total Assets | $1.0M |
| Total Liabilities | $739K |
| Net Assets | $292K |
| Operating Margin | -5.3% |
| Debt-to-Asset Ratio | 71.6% |
| Months of Reserves | 7.7 months |
Financial Health Grade: C
In 2023, Network Branded Prepaid Card Association reported a deficit of $81K with expenses exceeding revenue, holds 7.7 months of operating reserves (strong position), has a debt-to-asset ratio of 71.6% (high leverage).
Financial Trends
Over 13 years of filings (2011–2023), Network Branded Prepaid Card Association's revenue has declined at a compound annual growth rate (CAGR) of -2.6%.
| Year | Revenue Change | Expense Change | Asset Change |
|---|---|---|---|
| 2023 | -5.9% | +5.6% | +4.4% |
| 2022 | +24.3% | +22.4% | +3.2% |
| 2021 | +0.9% | -7.1% | +7.8% |
| 2020 | -18.4% | -8.0% | -8.9% |
| 2019 | -2.4% | +1.3% | -4.3% |
IRS Tax-Exempt Classification
| IRS Classification Codes | 2000 |
| IRS Ruling Date | 2006 |
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 Network Branded Prepaid Card Association with a Mission Score of 75 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: 20%
- programs: 70%
- fundraising: 10%
According to IRS 990 filings, Network Branded Prepaid Card Association allocates its expenses as follows: admin: 20%, programs: 70%, fundraising: 10%. Approximately 70% goes to programs, indicating moderate mission focus.
Key Financial Metrics (2023)
From the most recent IRS 990 filing on record:
- The organization reported a deficit of $81K, with expenses exceeding revenue.
- Debt-to-asset ratio: 71.6%.
Executive Compensation Analysis
The Network Branded Prepaid Card Association consistently reports 0% officer compensation across all available filings, which is highly unusual for an organization with over $1 million in annual revenue and suggests either a fully volunteer executive leadership or compensation structured in a way not reported as officer compensation on the 990.
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 Network Branded Prepaid Card Association's IRS 990 filings:
- Consistent 0% officer compensation for an organization with over $1M in revenue, which may obscure actual leadership compensation methods.
- Lack of detailed expense breakdown (program, admin, fundraising) in the provided summary makes a precise efficiency analysis challenging.
Strengths
The following positive indicators were identified for Network Branded Prepaid Card Association:
- Consistent revenue generation, demonstrating financial stability.
- Growing asset base, indicating improved financial health over time (e.g., assets increased from $459,586 in 201512 to $1,030,903 in 202312).
- Regular IRS 990 filings, indicating compliance and basic transparency.
- Liabilities have decreased relative to assets in recent years, improving the organization's net financial position.
Frequently Asked Questions about Network Branded Prepaid Card Association
Is Network Branded Prepaid Card Association a legitimate charity?
Based on AI analysis of IRS 990 filings, Network Branded Prepaid Card Association (EIN: 203689799) some concerns. Mission Score: 75/100. 2 red flags identified, 4 strengths noted.
How does Network Branded Prepaid Card Association spend its money?
Network Branded Prepaid Card Association directs 70% of its spending to programs and services. The remaining budget covers administration and fundraising costs.
Are donations to Network Branded Prepaid Card Association tax-deductible?
Network Branded Prepaid Card Association is registered as a tax-exempt nonprofit (EIN: 203689799). Donations to most 501(c)(3) organizations are tax-deductible. Consult a tax professional for your specific situation.
How much does the Network Branded Prepaid Card Association CEO make?
Network Branded Prepaid Card Association's highest-compensated officer earns $1 annually. The organization reported $1.5M in total revenue. Executive compensation data is disclosed in IRS 990 filings.
What percentage of Network Branded Prepaid Card Association's spending goes to programs?
Network Branded Prepaid Card Association directs 70% to programs, 10% to fundraising. This meets the 65% industry benchmark for efficient nonprofits.
How does Network Branded Prepaid Card Association compare to similar nonprofits?
With a transparency score of 75/100 (Good), Network Branded Prepaid Card Association is above average for NTEE category S41 nonprofits. The score reflects financial transparency, program spending efficiency, and governance quality based on IRS 990 data.
Where is Network Branded Prepaid Card Association located?
Network Branded Prepaid Card Association is headquartered in Montvale, New Jersey and files with the IRS under EIN 203689799. It is classified under NTEE code S41.
How many years of IRS 990 filings does Network Branded Prepaid Card Association have?
Network Branded Prepaid Card Association 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 $1.5M in total revenue.
Is the Network Branded Prepaid Card Association a good charity?
Based on the available IRS 990 data, the NBPCA demonstrates financial stability with consistent revenue and growing assets. The consistent reporting of 0% officer compensation is a unique characteristic that could be viewed positively for efficiency, but also warrants further inquiry into how executive functions are compensated or managed. Without a detailed breakdown of program spending versus administrative and fundraising costs, a definitive judgment on its 'goodness' as a charity is difficult, but its financial health appears sound.
How does the NBPCA manage its executive leadership without reported officer compensation?
The IRS 990 filings consistently show 0% officer compensation. This could mean that the organization's executive leadership is entirely volunteer-based, or that compensation for key personnel is structured as contractor fees, salaries for non-officer roles, or through a related entity, which would not appear in the 'officer compensation' line item on the 990.
What is the trend in the NBPCA's financial health?
The NBPCA has maintained stable revenues, generally between $1.3M and $1.8M annually. Assets have shown a positive trend, increasing from $459,586 in 201512 to $1,030,903 in 202312. While liabilities have also been significant, the organization's net assets (assets minus liabilities) have generally improved, indicating a strengthening financial position over time.
Filing History
IRS 990 filing history for Network Branded Prepaid Card Association showing financial trends over 13 years of public records:
Over 13 years of IRS 990 filings (2011–2023), Network Branded Prepaid Card Association's revenue has declined by 26.8%, moving from $2.1M to $1.5M. Total assets increased by 78.7% over the same period, from $577K to $1.0M. Total functional expenses fell by 30.6%, from $2.3M to $1.6M. In its most recent filing year (2023), Network Branded Prepaid Card Association reported a deficit of $81K, with expenses exceeding revenue. The organization holds $739K in liabilities against $1.0M in assets (debt-to-asset ratio: 71.6%), resulting in net assets of $292K.
| Year | Revenue | Expenses | Assets | Liabilities | Officer Comp. % | |
|---|---|---|---|---|---|---|
| 2023 | $1.5M | $1.6M | $1.0M | $739K | — | — |
| 2022 | $1.6M | $1.5M | $987K | $614K | — | View 990 |
| 2021 | $1.3M | $1.2M | $957K | $684K | — | View 990 |
| 2020 | $1.3M | $1.3M | $887K | $676K | — | View 990 |
| 2019 | $1.6M | $1.5M | $974K | $718K | — | — |
| 2018 | $1.6M | $1.4M | $1.0M | $893K | — | View 990 |
| 2017 | $1.7M | $1.4M | $836K | $900K | — | View 990 |
| 2016 | $1.6M | $1.5M | $522K | $859K | — | View 990 |
| 2015 | $1.7M | $1.8M | $460K | $922K | — | View 990 |
| 2014 | $1.8M | $2.0M | $651K | $991K | — | View 990 |
| 2013 | $2.1M | $2.0M | $804K | $986K | — | View 990 |
| 2012 | $2.2M | $2.2M | $853K | $1.1M | — | View 990 |
| 2011 | $2.1M | $2.3M | $577K | $855K | — | View 990 |
Year-by-Year Financial Summary
- 2023: Revenue of $1.5M, expenses of $1.6M, and assets of $1.0M (revenue -5.9% year-over-year).
- 2022: Revenue of $1.6M, expenses of $1.5M, and assets of $987K (revenue +24.3% year-over-year).
- 2021: Revenue of $1.3M, expenses of $1.2M, and assets of $957K (revenue +0.9% year-over-year).
- 2020: Revenue of $1.3M, expenses of $1.3M, and assets of $887K (revenue -18.4% year-over-year).
- 2019: Revenue of $1.6M, expenses of $1.5M, and assets of $974K (revenue -2.4% year-over-year).
- 2018: Revenue of $1.6M, expenses of $1.4M, and assets of $1.0M (revenue -4.2% year-over-year).
- 2017: Revenue of $1.7M, expenses of $1.4M, and assets of $836K (revenue +5.0% year-over-year).
- 2016: Revenue of $1.6M, expenses of $1.5M, and assets of $522K (revenue -4.3% year-over-year).
- 2015: Revenue of $1.7M, expenses of $1.8M, and assets of $460K (revenue -6.8% year-over-year).
- 2014: Revenue of $1.8M, expenses of $2.0M, and assets of $651K (revenue -11.5% year-over-year).
- 2013: Revenue of $2.1M, expenses of $2.0M, and assets of $804K (revenue -7.8% year-over-year).
- 2012: Revenue of $2.2M, expenses of $2.2M, and assets of $853K (revenue +6.3% year-over-year).
- 2011: Revenue of $2.1M, expenses of $2.3M, and assets of $577K.
View Individual Filing Years
Explore detailed financial data from each IRS 990 filing year for Network Branded Prepaid Card Association:
Data Sources and Methodology
This transparency report for Network Branded Prepaid Card Association 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.