Online Lendier Alliance
Online Lenders Alliance shows consistent revenue growth and asset accumulation with no reported officer compensation.
EIN: 202890680 · Arlington, VA · NTEE: S41 · Updated: 2026-03-28
| Metric | Value |
|---|---|
| Total Revenue | $7.9M |
| Total Expenses | $5.7M |
| Program Spending | 75% |
| CEO/Top Officer Pay | $6 |
| Net Assets | $5.2M |
| Transparency Score | 70/100 |
Is Online Lendier Alliance Legit?
Some Concerns
Assessment based on IRS 990 filings, spending patterns, and AI analysis. Not a guarantee of legitimacy. Full charity check →
Online Lendier Alliance directs 75% of its spending to programs. This exceeds the industry benchmark of 65%, indicating strong mission focus.
About Online Lendier Alliance
Online Lendier Alliance (EIN: 202890680) is a nonprofit organization based in Arlington, VA, classified under NTEE code S41. The organization reported total revenue of $7.9M and total assets of $7.0M according to its most recent IRS 990 filing. This transparency report provides an AI-powered analysis of Online Lendier Alliance's financial health, spending patterns, executive compensation, and overall mission effectiveness based on publicly available IRS data.
Organization Overview
Online Lendier Alliance 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 5.5%.
Key Financial Metrics (2023)
From the most recent IRS 990 filing on record:
| Total Revenue | $6.9M |
| Total Expenses | $5.7M |
| Surplus / Deficit | +$1.2M |
| Total Assets | $5.8M |
| Total Liabilities | $573K |
| Net Assets | $5.2M |
| Operating Margin | 16.7% |
| Debt-to-Asset Ratio | 9.8% |
| Months of Reserves | 12.2 months |
Financial Health Grade: A
In 2023, Online Lendier Alliance reported a surplus of $1.2M with revenue exceeding expenses, holds 12.2 months of operating reserves (strong position), has a debt-to-asset ratio of 9.8% (very low leverage).
Financial Trends
Over 13 years of filings (2011–2023), Online Lendier Alliance's revenue has grown at a compound annual growth rate (CAGR) of 5.5%.
| Year | Revenue Change | Expense Change | Asset Change |
|---|---|---|---|
| 2023 | +9.6% | +4.6% | +27.5% |
| 2022 | -0.4% | +12.3% | +26.6% |
| 2021 | +41.1% | +14.2% | +72.5% |
| 2020 | -33.4% | -33.2% | +11.0% |
| 2019 | +16.8% | +10.4% | +29.0% |
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 Online Lendier Alliance with a Mission Score of 70 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: 75%
- fundraising: 10%
According to IRS 990 filings, Online Lendier Alliance allocates its expenses as follows: admin: 15%, programs: 75%, fundraising: 10%. With 75% 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 $1.2M, with revenue exceeding expenses.
- Debt-to-asset ratio: 9.8%.
Executive Compensation Analysis
Online Lenders Alliance consistently reports 0% officer compensation across all available filings, which is highly unusual for an organization with annual revenues exceeding $6 million. This suggests that executive leadership may be compensated through non-officer roles, contracted services, or that the organization is primarily volunteer-led at the executive level, warranting further scrutiny for full transparency.
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 Online Lendier Alliance's IRS 990 filings:
- Consistent 0% reported officer compensation despite significant revenue, raising questions about executive compensation transparency.
- Lack of detailed breakdown of program, administrative, and fundraising expenses in the provided data, hindering a full assessment of spending efficiency.
Strengths
The following positive indicators were identified for Online Lendier Alliance:
- Consistent and strong revenue growth over the past decade, from $4.18M in 2014 to $7.85M currently.
- Significant asset accumulation, growing from $1.17M in 2014 to $7.03M currently, indicating financial health and stability.
- Expenses generally track below revenue, allowing for consistent surpluses and asset growth.
- Relatively low liabilities compared to assets, suggesting a healthy financial position.
Frequently Asked Questions about Online Lendier Alliance
Is Online Lendier Alliance a legitimate charity?
Online Lendier Alliance (EIN: 202890680) is a registered tax-exempt nonprofit based in Virginia. Our AI analysis gives it a Mission Score of 70/100. It has 13 years of IRS 990 filings on record. Total revenue: $7.9M. 2 red flags identified. 4 strengths noted. Financial health grade: A.
How does Online Lendier Alliance spend its money?
Online Lendier Alliance directs 75% of its spending to programs and services. Fundraising costs 10%. This exceeds the 65% industry benchmark.
Are donations to Online Lendier Alliance tax-deductible?
Online Lendier Alliance is registered as a tax-exempt nonprofit (EIN: 202890680). Donations to most 501(c)(3) organizations are tax-deductible. Consult a tax professional for your specific situation.
How much does the Online Lendier Alliance CEO make?
Online Lendier Alliance's highest-compensated officer earns $6 annually. The organization reported $7.9M in total revenue. Executive compensation data is disclosed in IRS 990 filings.
What percentage of Online Lendier Alliance's spending goes to programs?
Online Lendier Alliance directs 75% to programs, 10% to fundraising. This exceeds the 65% industry benchmark for efficient nonprofits.
How does Online Lendier Alliance compare to similar nonprofits?
With a transparency score of 70/100 (Good), Online Lendier Alliance 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 Online Lendier Alliance located?
Online Lendier Alliance is headquartered in Arlington, Virginia and files with the IRS under EIN 202890680. It is classified under NTEE code S41.
How many years of IRS 990 filings does Online Lendier Alliance have?
Online Lendier Alliance 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 $7.9M in total revenue.
Is Online Lenders Alliance a good charity?
Based on the available financial data, OLA demonstrates strong financial health with consistent revenue growth and asset accumulation. However, the lack of reported officer compensation and the absence of detailed spending breakdowns (program vs. admin vs. fundraising) make it difficult to fully assess its operational efficiency and whether it aligns with typical 'good charity' benchmarks for transparency and program spending.
How does Online Lenders Alliance compensate its leadership if officer compensation is 0%?
The consistent reporting of 0% officer compensation suggests that leadership may be compensated through other mechanisms, such as being paid as employees in non-officer roles, through management service organizations, or as independent contractors. It could also indicate a highly volunteer-driven executive structure, which is less common for an organization of this size.
What is the trend in Online Lenders Alliance's financial stability?
Online Lenders Alliance shows a strong upward trend in financial stability. Revenue has grown from $4.18 million in 2014 to $7.85 million currently, and assets have increased significantly from $1.17 million to $7.03 million over the same period. Liabilities have remained relatively low compared to assets, indicating a healthy balance sheet.
Filing History
IRS 990 filing history for Online Lendier Alliance showing financial trends over 13 years of public records:
Over 13 years of IRS 990 filings (2011–2023), Online Lendier Alliance's revenue has grown by 90%, moving from $3.6M to $6.9M. Total assets increased by 109.6% over the same period, from $2.8M to $5.8M. Total functional expenses rose by 74.2%, from $3.3M to $5.7M. In its most recent filing year (2023), Online Lendier Alliance reported a surplus of $1.2M, with revenue exceeding expenses. The organization holds $573K in liabilities against $5.8M in assets (debt-to-asset ratio: 9.8%), resulting in net assets of $5.2M.
| Year | Revenue | Expenses | Assets | Liabilities | Officer Comp. % | |
|---|---|---|---|---|---|---|
| 2023 | $6.9M | $5.7M | $5.8M | $573K | — | — |
| 2022 | $6.3M | $5.5M | $4.6M | $469K | — | View 990 |
| 2021 | $6.3M | $4.9M | $3.6M | $421K | — | View 990 |
| 2020 | $4.5M | $4.3M | $2.1M | $329K | — | View 990 |
| 2019 | $6.7M | $6.4M | $1.9M | $316K | — | — |
| 2018 | $5.7M | $5.8M | $1.5M | $198K | — | View 990 |
| 2017 | $5.3M | $5.2M | $1.6M | $251K | — | View 990 |
| 2016 | $4.8M | $4.8M | $1.4M | $168K | — | View 990 |
| 2015 | $4.7M | $4.6M | $1.4M | $211K | — | View 990 |
| 2014 | $4.2M | $4.4M | $1.2M | $112K | — | View 990 |
| 2013 | $5.3M | $5.6M | $1.6M | $602K | — | View 990 |
| 2012 | $4.3M | $4.3M | $1.5M | $247K | — | View 990 |
| 2011 | $3.6M | $3.3M | $2.8M | $1.6M | — | View 990 |
Year-by-Year Financial Summary
- 2023: Revenue of $6.9M, expenses of $5.7M, and assets of $5.8M (revenue +9.6% year-over-year).
- 2022: Revenue of $6.3M, expenses of $5.5M, and assets of $4.6M (revenue -0.4% year-over-year).
- 2021: Revenue of $6.3M, expenses of $4.9M, and assets of $3.6M (revenue +41.1% year-over-year).
- 2020: Revenue of $4.5M, expenses of $4.3M, and assets of $2.1M (revenue -33.4% year-over-year).
- 2019: Revenue of $6.7M, expenses of $6.4M, and assets of $1.9M (revenue +16.8% year-over-year).
- 2018: Revenue of $5.7M, expenses of $5.8M, and assets of $1.5M (revenue +8.7% year-over-year).
- 2017: Revenue of $5.3M, expenses of $5.2M, and assets of $1.6M (revenue +9.1% year-over-year).
- 2016: Revenue of $4.8M, expenses of $4.8M, and assets of $1.4M (revenue +2.7% year-over-year).
- 2015: Revenue of $4.7M, expenses of $4.6M, and assets of $1.4M (revenue +12.6% year-over-year).
- 2014: Revenue of $4.2M, expenses of $4.4M, and assets of $1.2M (revenue -21.5% year-over-year).
- 2013: Revenue of $5.3M, expenses of $5.6M, and assets of $1.6M (revenue +22.5% year-over-year).
- 2012: Revenue of $4.3M, expenses of $4.3M, and assets of $1.5M (revenue +20.2% year-over-year).
- 2011: Revenue of $3.6M, expenses of $3.3M, and assets of $2.8M.
View Individual Filing Years
Explore detailed financial data from each IRS 990 filing year for Online Lendier Alliance:
Data Sources and Methodology
This transparency report for Online Lendier Alliance 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.