Northern New England School Of Banking
Northern New England School Of Banking consistently operates with zero officer compensation and no liabilities, maintaining stable finances.
EIN: 10477533 · Montpelier, VT · NTEE: A20Z · Updated: 2026-03-26
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Northern New England School Of Banking is mapped to EIN 10477533.
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13 stored filing years available.
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90% program spend, health grade A
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| Metric | Value |
|---|---|
| Total Revenue | $205K |
| Total Expenses | $188K |
| Program Spending | 90% |
| Net Assets | $103K |
| Transparency Score | 95/100 |
Search Intent Cockpit
Northern New England School Of Banking Form 990, Revenue, CEO Pay, and IRS Filing Signals
Northern New England School Of Banking 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 Northern New England School Of Banking in one place.
Form 990 Filing Summary
13 filing years are available, with latest revenue of $189K and expenses of $188K.
Revenue and Expenses
Northern New England School Of Banking reported $189K in revenue and $188K in expenses, a surplus of $2K.
Executive Compensation
Officer, director, trustee, and key employee pay is reviewed from IRS 990 compensation disclosures when present.
Charity Score and Red Flags
95/100 mission score, 0 red flags, and 5 strengths are shown from structured and AI review.
Is Northern New England School Of Banking Legit?
Appears Legitimate
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
| Program services | $169K (90%) |
Across stored filings, Northern New England School Of Banking shows contribution history pending. Next enrichment targets: revenue-source fields, IRS BMF classification.
Decision Cockpit
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| Decision Lens | Signal | What to Inspect Next |
|---|---|---|
| Legitimacy | Appears Legitimate | Good filing record; no red flags identified |
| Mission spend | 90% to programs | Excellent |
| Financial durability | Grade A | 13 stored filing years |
| Peer context | Compare with Everybody Wins Vermont Inc | Vermont and Arts & Culture context |
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Northern New England School Of Banking directs 90% of its spending to programs. This exceeds the industry benchmark of 65%, indicating strong mission focus.
About Northern New England School Of Banking
Northern New England School Of Banking (EIN: 10477533) is a nonprofit organization based in Montpelier, VT, classified under NTEE code A20Z. The organization reported total revenue of $205K and total assets of $105K according to its most recent IRS 990 filing. This transparency report provides an AI-powered analysis of Northern New England School Of Banking's financial health, spending patterns, executive compensation, and overall mission effectiveness based on publicly available IRS data.
Organization Overview
Northern New England School Of Banking is a small nonprofit that has been operating for 33 years, with 13 years of IRS 990 filings on record (2011–2023). Revenue has grown at a compound annual rate of 6.0%.
Key Financial Metrics (2023)
From the most recent IRS 990 filing on record:
| Total Revenue | $189K |
| Total Expenses | $188K |
| Surplus / Deficit | +$2K |
| Total Assets | $103K |
| Net Assets | $103K |
| Operating Margin | 0.9% |
| Months of Reserves | 6.6 months |
Financial Health Grade: A
In 2023, Northern New England School Of Banking reported a surplus of $2K with revenue exceeding expenses, holds 6.6 months of operating reserves (strong position).
Financial Trends
Over 13 years of filings (2011–2023), Northern New England School Of Banking's revenue has grown at a compound annual growth rate (CAGR) of 6.0%.
| Year | Revenue Change | Expense Change | Asset Change |
|---|---|---|---|
| 2023 | +10.5% | +10.1% | +1.6% |
| 2022 | +35.4% | +35.4% | +0.8% |
| 2021 | +182.5% | +210.4% | +0.6% |
| 2020 | -72.0% | -74.4% | +4.4% |
| 2019 | +3.6% | +3.9% | +1.6% |
IRS Tax-Exempt Classification
| IRS Classification Codes | 2000 |
| IRS Ruling Date | 1993 |
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 Northern New England School Of Banking 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: 10%
- programs: 90%
- fundraising: 0%
According to IRS 990 filings, Northern New England School Of Banking allocates its expenses as follows: admin: 10%, programs: 90%, fundraising: 0%. 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 $2K, with revenue exceeding expenses.
Executive Compensation Analysis
Executive compensation is reported as 0% across all available filings, indicating that no salaries are paid to officers. This is highly unusual for an organization of its size and suggests a volunteer-led or very lean operational structure, directing all funds to its mission.
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.
Strengths
The following positive indicators were identified for Northern New England School Of Banking:
- Zero officer compensation reported across all filings, indicating high efficiency and mission focus.
- No reported liabilities, demonstrating strong financial management and solvency.
- Consistent positive net assets and asset growth over the past decade (e.g., $87,046 in 2014 to $102,616 in 2023).
- Regular and consistent IRS 990 filing history (13 filings), indicating good transparency and compliance.
- Expenses consistently track closely with revenue, suggesting prudent budgeting and operational control.
Frequently Asked Questions about Northern New England School Of Banking
Is Northern New England School Of Banking a legitimate charity?
Northern New England School Of Banking (EIN: 10477533) is a registered tax-exempt nonprofit based in Vermont. Our AI analysis gives it a Mission Score of 95/100. It has 13 years of IRS 990 filings on record. Total revenue: $205K. No red flags identified. 5 strengths noted. Financial health grade: A.
How does Northern New England School Of Banking spend its money?
Northern New England School Of Banking directs 90% of its spending to programs and services. This exceeds the 65% industry benchmark.
Are donations to Northern New England School Of Banking tax-deductible?
Northern New England School Of Banking is registered as a tax-exempt nonprofit (EIN: 10477533). Donations to most 501(c)(3) organizations are tax-deductible. Consult a tax professional for your specific situation.
How does Northern New England School Of Banking compare to similar nonprofits?
With a transparency score of 95/100 (Excellent), Northern New England School Of Banking is above average for NTEE category A20Z nonprofits. The score reflects financial transparency, program spending efficiency, and governance quality based on IRS 990 data.
Where is Northern New England School Of Banking located?
Northern New England School Of Banking is headquartered in Montpelier, Vermont and files with the IRS under EIN 10477533. It is classified under NTEE code A20Z.
How many years of IRS 990 filings does Northern New England School Of Banking have?
Northern New England School Of Banking 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 $205K in total revenue.
Is Northern New England School Of Banking a good charity?
Based on the provided financial data, the Northern New England School Of Banking appears to be a very good charity. It consistently reports 0% officer compensation, has no liabilities, and maintains a stable asset base, indicating strong financial health and a clear dedication of resources to its mission.
How does the organization manage to operate with 0% officer compensation?
Operating with 0% officer compensation suggests that the organization's leadership roles are likely filled by volunteers, or that any compensation for management is categorized differently within general expenses, though the explicit 'Officer Comp=0%' is a strong indicator of volunteer leadership.
What is the trend in the organization's financial growth?
The organization shows a positive trend in asset growth, from $87,046 in 2014 to $102,616 in 2023. Revenue has also generally increased over the decade, with some fluctuations, demonstrating a capacity for sustained operations and modest expansion.
Filing History
IRS 990 filing history for Northern New England School Of Banking showing financial trends over 13 years of public records:
Over 13 years of IRS 990 filings (2011–2023), Northern New England School Of Banking's revenue has grown by 101.8%, moving from $94K to $189K. Total assets increased by 26.9% over the same period, from $81K to $103K. Total functional expenses rose by 102%, from $93K to $188K. In its most recent filing year (2023), Northern New England School Of Banking reported a surplus of $2K, with revenue exceeding expenses.
| Year | Revenue | Expenses | Assets | Liabilities | Officer Comp. % | |
|---|---|---|---|---|---|---|
| 2023 | $189K | $188K | $103K | $0 | — | View 990 |
| 2022 | $171K | $171K | $101K | $0 | — | View 990 |
| 2021 | $127K | $126K | $100K | $0 | — | — |
| 2020 | $45K | $41K | $100K | $0 | — | View 990 |
| 2019 | $160K | $159K | $95K | $0 | — | View 990 |
| 2018 | $155K | $153K | $94K | $0 | — | View 990 |
| 2017 | $158K | $153K | $92K | $0 | — | View 990 |
| 2016 | $145K | $144K | $87K | $0 | — | View 990 |
| 2015 | $90K | $91K | $86K | $0 | — | View 990 |
| 2014 | $101K | $99K | $87K | $0 | — | View 990 |
| 2013 | $107K | $103K | $86K | $0 | — | View 990 |
| 2012 | $97K | $95K | $82K | $0 | — | View 990 |
| 2011 | $94K | $93K | $81K | $0 | — | View 990 |
Year-by-Year Financial Summary
- 2023: Revenue of $189K, expenses of $188K, and assets of $103K (revenue +10.5% year-over-year).
- 2022: Revenue of $171K, expenses of $171K, and assets of $101K (revenue +35.4% year-over-year).
- 2021: Revenue of $127K, expenses of $126K, and assets of $100K (revenue +182.5% year-over-year).
- 2020: Revenue of $45K, expenses of $41K, and assets of $100K (revenue -72.0% year-over-year).
- 2019: Revenue of $160K, expenses of $159K, and assets of $95K (revenue +3.6% year-over-year).
- 2018: Revenue of $155K, expenses of $153K, and assets of $94K (revenue -2.4% year-over-year).
- 2017: Revenue of $158K, expenses of $153K, and assets of $92K (revenue +9.3% year-over-year).
- 2016: Revenue of $145K, expenses of $144K, and assets of $87K (revenue +61.5% year-over-year).
- 2015: Revenue of $90K, expenses of $91K, and assets of $86K (revenue -10.8% year-over-year).
- 2014: Revenue of $101K, expenses of $99K, and assets of $87K (revenue -5.7% year-over-year).
- 2013: Revenue of $107K, expenses of $103K, and assets of $86K (revenue +10.4% year-over-year).
- 2012: Revenue of $97K, expenses of $95K, and assets of $82K (revenue +2.9% year-over-year).
- 2011: Revenue of $94K, expenses of $93K, and assets of $81K.
View Individual Filing Years
Explore detailed financial data from each IRS 990 filing year for Northern New England School Of Banking:
Data Sources and Methodology
This transparency report for Northern New England School Of Banking 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.