Oneamerica
Oneamerica shows consistent revenue growth and strong asset accumulation with zero reported officer compensation.
EIN: 200384893 · Seattle, WA · NTEE: W01 · Updated: 2026-03-28
| Metric | Value |
|---|---|
| Total Revenue | $3.9M |
| Total Expenses | $4.2M |
| Program Spending | 85% |
| Net Assets | $6.5M |
| Transparency Score | 92/100 |
Is Oneamerica Legit?
Some Concerns
Assessment based on IRS 990 filings, spending patterns, and AI analysis. Not a guarantee of legitimacy. Full charity check →
Oneamerica directs 85% of its spending to programs. This exceeds the industry benchmark of 65%, indicating strong mission focus.
About Oneamerica
Oneamerica (EIN: 200384893) is a nonprofit organization based in Seattle, WA, classified under NTEE code W01. The organization reported total revenue of $3.9M and total assets of $6.3M according to its most recent IRS 990 filing. This transparency report provides an AI-powered analysis of Oneamerica's financial health, spending patterns, executive compensation, and overall mission effectiveness based on publicly available IRS data.
Organization Overview
Oneamerica is a mid-size nonprofit that has been operating for 21 years, with 13 years of IRS 990 filings on record (2011–2023). Revenue has grown at a compound annual rate of 9.2%.
Key Financial Metrics (2023)
From the most recent IRS 990 filing on record:
| Total Revenue | $5.0M |
| Total Expenses | $4.2M |
| Surplus / Deficit | +$737K |
| Total Assets | $7.4M |
| Total Liabilities | $917K |
| Net Assets | $6.5M |
| Operating Margin | 14.8% |
| Debt-to-Asset Ratio | 12.4% |
| Months of Reserves | 20.9 months |
Financial Health Grade: A
In 2023, Oneamerica reported a surplus of $737K with revenue exceeding expenses, holds 20.9 months of operating reserves (strong position), has a debt-to-asset ratio of 12.4% (very low leverage).
Financial Trends
Over 13 years of filings (2011–2023), Oneamerica's revenue has grown at a compound annual growth rate (CAGR) of 9.2%.
| Year | Revenue Change | Expense Change | Asset Change |
|---|---|---|---|
| 2023 | +16.4% | +16.3% | +14.7% |
| 2022 | -30.7% | -7.2% | +7.9% |
| 2021 | +18.9% | +3.2% | +87.1% |
| 2020 | +20.5% | +1.5% | +73.8% |
| 2019 | +52.2% | +18.9% | +27.3% |
IRS Tax-Exempt Classification
| IRS Classification Codes | 1000 |
| IRS Ruling Date | 2005 |
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 Oneamerica with a Mission Score of 92 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, Oneamerica 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 $737K, with revenue exceeding expenses.
- Debt-to-asset ratio: 12.4%.
Executive Compensation Analysis
Oneamerica consistently reports 0% officer compensation across all available filings, indicating that no portion of their expenses is allocated to executive salaries, which is highly unusual and suggests a volunteer-led or externally funded executive structure.
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 Oneamerica's IRS 990 filings:
- Unusually low liabilities relative to assets in some periods (e.g., 201412: Liabilities=$123,303 vs. Assets=$2,503,680), which could indicate conservative financial management or a lack of significant debt, but warrants understanding the funding model.
- The consistent 0% officer compensation is highly unusual for an organization of this size and could indicate that executive compensation is reported under different categories or that the leadership is entirely volunteer-based, which might not be sustainable long-term without external support.
Strengths
The following positive indicators were identified for Oneamerica:
- Consistent revenue growth, with revenue increasing from $2,827,995 in 2018 to $4,976,987 in 2023.
- Significant asset accumulation, growing from $1,439,636 in 2018 to $7,373,036 in 2023, indicating strong financial management.
- Positive net income (revenue exceeding expenses) in most recent years, such as a $737,034 surplus in 202312 ($4,976,987 revenue - $4,239,953 expenses).
- Zero reported officer compensation across all filings, suggesting a strong commitment to directing funds towards programmatic activities.
- Healthy financial reserves, with assets significantly exceeding liabilities (e.g., 202312: Assets=$7,373,036 vs. Liabilities=$916,795).
Frequently Asked Questions about Oneamerica
Is Oneamerica a legitimate charity?
Oneamerica (EIN: 200384893) is a registered tax-exempt nonprofit based in Washington. Our AI analysis gives it a Mission Score of 92/100. It has 13 years of IRS 990 filings on record. Total revenue: $3.9M. 2 red flags identified. 5 strengths noted. Financial health grade: A.
How does Oneamerica spend its money?
Oneamerica directs 85% of its spending to programs and services. Fundraising costs 5%. This exceeds the 65% industry benchmark.
Are donations to Oneamerica tax-deductible?
Oneamerica is registered as a tax-exempt nonprofit (EIN: 200384893). Donations to most 501(c)(3) organizations are tax-deductible. Consult a tax professional for your specific situation.
What percentage of Oneamerica's spending goes to programs?
Oneamerica directs 85% to programs, 5% to fundraising. This exceeds the 65% industry benchmark for efficient nonprofits.
How does Oneamerica compare to similar nonprofits?
With a transparency score of 92/100 (Excellent), Oneamerica is above average for NTEE category W01 nonprofits. The score reflects financial transparency, program spending efficiency, and governance quality based on IRS 990 data.
Where is Oneamerica located?
Oneamerica is headquartered in Seattle, Washington and files with the IRS under EIN 200384893. It is classified under NTEE code W01.
How many years of IRS 990 filings does Oneamerica have?
Oneamerica 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 $3.9M in total revenue.
Is Oneamerica a good charity?
Based on its financial health, spending efficiency, and transparency, Oneamerica appears to be a very good charity. It consistently generates surpluses, has significantly grown its assets, and reports 0% officer compensation, indicating a strong focus on its mission.
How has Oneamerica's financial health changed over time?
Oneamerica has shown significant financial improvement. Revenue has generally increased from $2,827,995 in 2018 to $4,976,987 in 2023, and assets have surged from $1,439,636 in 2018 to $7,373,036 in 2023, demonstrating strong growth and stability.
What is Oneamerica's approach to executive compensation?
Oneamerica reports 0% officer compensation in all available IRS 990 filings, which is highly unusual and suggests that executive leadership may be entirely volunteer-based or compensated through other means not classified as officer compensation on the 990.
Filing History
IRS 990 filing history for Oneamerica showing financial trends over 13 years of public records:
Over 13 years of IRS 990 filings (2011–2023), Oneamerica's revenue has grown by 188.5%, moving from $1.7M to $5.0M. Total assets increased by 909.9% over the same period, from $730K to $7.4M. Total functional expenses rose by 78.2%, from $2.4M to $4.2M. In its most recent filing year (2023), Oneamerica reported a surplus of $737K, with revenue exceeding expenses. The organization holds $917K in liabilities against $7.4M in assets (debt-to-asset ratio: 12.4%), resulting in net assets of $6.5M.
| Year | Revenue | Expenses | Assets | Liabilities | Officer Comp. % | |
|---|---|---|---|---|---|---|
| 2023 | $5.0M | $4.2M | $7.4M | $917K | — | — |
| 2022 | $4.3M | $3.6M | $6.4M | $711K | — | View 990 |
| 2021 | $6.2M | $3.9M | $6.0M | $871K | — | View 990 |
| 2020 | $5.2M | $3.8M | $3.2M | $338K | — | — |
| 2019 | $4.3M | $3.7M | $1.8M | $367K | — | View 990 |
| 2018 | $2.8M | $3.2M | $1.4M | $529K | — | View 990 |
| 2017 | $3.9M | $3.5M | $1.8M | $583K | — | View 990 |
| 2016 | $2.6M | $3.6M | $1.2M | $288K | — | View 990 |
| 2015 | $3.6M | $4.1M | $2.4M | $516K | — | View 990 |
| 2014 | $4.3M | $2.1M | $2.5M | $123K | — | View 990 |
| 2013 | $1.8M | $2.0M | $364K | $111K | — | View 990 |
| 2012 | $1.8M | $2.0M | $461K | $46K | — | View 990 |
| 2011 | $1.7M | $2.4M | $730K | $94K | — | View 990 |
Year-by-Year Financial Summary
- 2023: Revenue of $5.0M, expenses of $4.2M, and assets of $7.4M (revenue +16.4% year-over-year).
- 2022: Revenue of $4.3M, expenses of $3.6M, and assets of $6.4M (revenue -30.7% year-over-year).
- 2021: Revenue of $6.2M, expenses of $3.9M, and assets of $6.0M (revenue +18.9% year-over-year).
- 2020: Revenue of $5.2M, expenses of $3.8M, and assets of $3.2M (revenue +20.5% year-over-year).
- 2019: Revenue of $4.3M, expenses of $3.7M, and assets of $1.8M (revenue +52.2% year-over-year).
- 2018: Revenue of $2.8M, expenses of $3.2M, and assets of $1.4M (revenue -26.6% year-over-year).
- 2017: Revenue of $3.9M, expenses of $3.5M, and assets of $1.8M (revenue +45.5% year-over-year).
- 2016: Revenue of $2.6M, expenses of $3.6M, and assets of $1.2M (revenue -26.1% year-over-year).
- 2015: Revenue of $3.6M, expenses of $4.1M, and assets of $2.4M (revenue -16.0% year-over-year).
- 2014: Revenue of $4.3M, expenses of $2.1M, and assets of $2.5M (revenue +135.9% year-over-year).
- 2013: Revenue of $1.8M, expenses of $2.0M, and assets of $364K (revenue -0.9% year-over-year).
- 2012: Revenue of $1.8M, expenses of $2.0M, and assets of $461K (revenue +5.6% year-over-year).
- 2011: Revenue of $1.7M, expenses of $2.4M, and assets of $730K.
View Individual Filing Years
Explore detailed financial data from each IRS 990 filing year for Oneamerica:
Data Sources and Methodology
This transparency report for Oneamerica 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.