Ralph Currier Stuart Trust Amoskeag Bank
Ralph Currier Stuart Trust: Consistent Spending, Limited Disclosure
EIN: 222940495 · Johnston, RI · Updated: 2026-04-04
| Metric | Value |
|---|---|
| Total Revenue | $186K |
| Total Expenses | $60K |
| Net Assets | $820K |
| Transparency Score | 60/100 |
Is Ralph Currier Stuart Trust Amoskeag Bank Legit?
Some Concerns
Assessment based on IRS 990 filings, spending patterns, and AI analysis. Not a guarantee of legitimacy. Full charity check →
About Ralph Currier Stuart Trust Amoskeag Bank
Ralph Currier Stuart Trust Amoskeag Bank (EIN: 222940495) is a nonprofit organization based in Johnston, RI. The organization reported total revenue of $186K and total assets of $830K according to its most recent IRS 990 filing. This transparency report provides an AI-powered analysis of Ralph Currier Stuart Trust Amoskeag Bank's financial health, spending patterns, executive compensation, and overall mission effectiveness based on publicly available IRS data.
Organization Overview
Ralph Currier Stuart Trust Amoskeag Bank is a small nonprofit that has been operating for 37 years, with 10 years of IRS 990 filings on record (2011–2023). Revenue has grown at a compound annual rate of -0.8%.
Key Financial Metrics (2023)
From the most recent IRS 990 filing on record:
| Total Revenue | $57K |
| Total Expenses | $60K |
| Surplus / Deficit | $-2,920 |
| Total Assets | $820K |
| Total Liabilities | $1 |
| Net Assets | $820K |
| Operating Margin | -5.1% |
| Debt-to-Asset Ratio | 0.0% |
| Months of Reserves | 162.8 months |
Financial Health Grade: B
In 2023, Ralph Currier Stuart Trust Amoskeag Bank reported a deficit of $3K with expenses exceeding revenue, holds 162.8 months of operating reserves (strong position), has a debt-to-asset ratio of 0.0% (very low leverage).
Financial Trends
Over 10 years of filings (2011–2023), Ralph Currier Stuart Trust Amoskeag Bank's revenue has declined at a compound annual growth rate (CAGR) of -0.8%.
| Year | Revenue Change | Expense Change | Asset Change |
|---|---|---|---|
| 2023 | -52.8% | -18.1% | -0.2% |
| 2022 | +28.7% | +8.8% | +6.2% |
| 2021 | +87.1% | -0.4% | +3.6% |
| 2020 | -15.8% | +18.4% | -2.3% |
| 2019 | -7.4% | -14.1% | +6.9% |
IRS Tax-Exempt Classification
| IRS Classification Codes | 1000 |
| IRS Ruling Date | 1989 |
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 Ralph Currier Stuart Trust Amoskeag Bank with a Mission Score of 60 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: 100%
- programs: 0%
- fundraising: 0%
According to IRS 990 filings, Ralph Currier Stuart Trust Amoskeag Bank allocates its expenses as follows: admin: 100%, programs: 0%, fundraising: 0%.
Key Financial Metrics (2023)
From the most recent IRS 990 filing on record:
- The organization reported a deficit of $3K, with expenses exceeding revenue.
- Debt-to-asset ratio: 0.0%.
Executive Compensation Analysis
Executive compensation is not reported, as the trust indicates no compensation paid to officers, directors, trustees, or key employees.
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 Ralph Currier Stuart Trust Amoskeag Bank's IRS 990 filings:
- Zero program service expenses reported across all available filings.
- Lack of narrative description for activities or mission.
- No information on grants made or beneficiaries.
- Consistent administrative expenses without clear programmatic output.
Strengths
The following positive indicators were identified for Ralph Currier Stuart Trust Amoskeag Bank:
- Consistent asset base over several years.
- Low administrative expenses relative to assets.
Frequently Asked Questions about Ralph Currier Stuart Trust Amoskeag Bank
Is Ralph Currier Stuart Trust Amoskeag Bank a legitimate charity?
Based on AI analysis of IRS 990 filings, Ralph Currier Stuart Trust Amoskeag Bank (EIN: 222940495) some concerns. Mission Score: 60/100. 4 red flags identified, 2 strengths noted.
How does Ralph Currier Stuart Trust Amoskeag Bank spend its money?
Detailed spending breakdown data is not yet available for Ralph Currier Stuart Trust Amoskeag Bank. Check back for updated IRS 990 analysis.
Are donations to Ralph Currier Stuart Trust Amoskeag Bank tax-deductible?
Ralph Currier Stuart Trust Amoskeag Bank is registered as a tax-exempt nonprofit (EIN: 222940495). Donations to most 501(c)(3) organizations are tax-deductible. Consult a tax professional for your specific situation.
Where is Ralph Currier Stuart Trust Amoskeag Bank located?
Ralph Currier Stuart Trust Amoskeag Bank is headquartered in Johnston, Rhode Island and files with the IRS under EIN 222940495.
How many years of IRS 990 filings does Ralph Currier Stuart Trust Amoskeag Bank have?
Ralph Currier Stuart Trust Amoskeag Bank has 10 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 $186K in total revenue.
What does Ralph Currier Stuart Trust Amoskeag Bank do?
Ralph Currier Stuart Trust Amoskeag Bank is a nonprofit organization in the Unknown sector, located in Johnston, Rhode Island. It is classified under NTEE code Unknown.
How much revenue does Ralph Currier Stuart Trust Amoskeag Bank have?
Ralph Currier Stuart Trust Amoskeag Bank reported total revenue of $186,058. Based on 10 IRS 990 filings on record.
What are Ralph Currier Stuart Trust Amoskeag Bank's total assets?
Ralph Currier Stuart Trust Amoskeag Bank holds total assets of $830,409 as reported in IRS 990 filings.
Where is Ralph Currier Stuart Trust Amoskeag Bank located?
Ralph Currier Stuart Trust Amoskeag Bank is based in Johnston, Rhode Island.
What is Ralph Currier Stuart Trust Amoskeag Bank's EIN?
Ralph Currier Stuart Trust Amoskeag Bank's Employer Identification Number (EIN) is 222940495. This is the unique tax ID assigned by the IRS for tax-exempt organizations.
What type of nonprofit is Ralph Currier Stuart Trust Amoskeag Bank?
Ralph Currier Stuart Trust Amoskeag Bank is classified under NTEE code Unknown (Unknown).
Is Ralph Currier Stuart Trust Amoskeag Bank a registered 501(c)(3)?
Ralph Currier Stuart Trust Amoskeag Bank appears in IRS records (EIN: 222940495). Check the IRS Tax Exempt Organization Search for the most current determination letter status.
Does Ralph Currier Stuart Trust Amoskeag Bank file IRS Form 990?
Yes, Ralph Currier Stuart Trust Amoskeag Bank has 10 IRS Form 990 filings on record. The most recent covers tax period 202312.
What was Ralph Currier Stuart Trust Amoskeag Bank's revenue in 2023?
In the 202312 filing period, Ralph Currier Stuart Trust Amoskeag Bank reported total revenue of $57,470, total expenses of $60,390, and net assets of $819,538.
Is Ralph Currier Stuart Trust Amoskeag Bank's revenue growing or declining?
Ralph Currier Stuart Trust Amoskeag Bank's revenue is declining. Revenue went from $121,770 (202212) to $57,470 (202312), a -52.8% change. Based on 10 filings on record.
What is Ralph Currier Stuart Trust Amoskeag Bank's most recent 990 filing?
The most recent IRS Form 990 filing for Ralph Currier Stuart Trust Amoskeag Bank covers tax period 202312. It shows revenue of $57,470, expenses of $60,390, total assets of $819,538, and liabilities of $1.
Is Ralph Currier Stuart Trust Amoskeag Bank a trustworthy charity?
Based on AI analysis of IRS 990 data, Ralph Currier Stuart Trust Amoskeag Bank shows mixed signals. Mission Score: 60/100 (Good). 4 red flags identified. 2 strengths noted.
What are the red flags for Ralph Currier Stuart Trust Amoskeag Bank?
The following concerns were identified: Zero program service expenses reported across all available filings.. Lack of narrative description for activities or mission.. No information on grants made or beneficiaries.. Consistent administrative expenses without clear programmatic output.. These flags are based on automated analysis of IRS 990 public filings and should be verified independently.
What are Ralph Currier Stuart Trust Amoskeag Bank's strengths?
Positive indicators for Ralph Currier Stuart Trust Amoskeag Bank include: Consistent asset base over several years.. Low administrative expenses relative to assets.. These findings are derived from AI analysis of the organization's financial filings.
How does Ralph Currier Stuart Trust Amoskeag Bank compensate executives?
Executive compensation is not reported, as the trust indicates no compensation paid to officers, directors, trustees, or key employees. Executive compensation data is sourced from IRS 990 filings, which require disclosure of officer, director, and key employee pay.
Given the consistent reporting of 0% program service expenses and no narrative on activities, what is the primary function or purpose of the Ralph Currier Stuart Trust?
Based on the available filings, the trust appears to function primarily as an asset holding and management entity, with all reported expenses categorized as administrative. There is no information to suggest active programmatic work or grantmaking.
Filing History
IRS 990 filing history for Ralph Currier Stuart Trust Amoskeag Bank showing financial trends over 10 years of public records:
Over 10 years of IRS 990 filings (2011–2023), Ralph Currier Stuart Trust Amoskeag Bank's revenue has declined by 9.2%, moving from $63K to $57K. Total assets increased by 14.5% over the same period, from $715K to $820K. Total functional expenses fell by 1.4%, from $61K to $60K. In its most recent filing year (2023), Ralph Currier Stuart Trust Amoskeag Bank reported a deficit of $3K, with expenses exceeding revenue. The organization holds $1 in liabilities against $820K in assets (debt-to-asset ratio: 0.0%), resulting in net assets of $820K.
| Year | Revenue | Expenses | Assets | Liabilities | Officer Comp. % | |
|---|---|---|---|---|---|---|
| 2023 | $57K | $60K | $820K | $1 | — | — |
| 2022 | $122K | $74K | $821K | $1 | — | View 990 |
| 2021 | $95K | $68K | $773K | $1 | — | — |
| 2020 | $51K | $68K | $747K | $1 | — | — |
| 2019 | $60K | $57K | $764K | $1 | — | — |
| 2015 | $65K | $67K | $715K | $0 | — | View 990 |
| 2014 | $78K | $65K | $717K | $0 | — | View 990 |
| 2013 | $64K | $62K | $704K | $0 | — | View 990 |
| 2012 | $48K | $62K | $702K | $0 | — | View 990 |
| 2011 | $63K | $61K | $715K | $0 | — | View 990 |
Year-by-Year Financial Summary
- 2023: Revenue of $57K, expenses of $60K, and assets of $820K (revenue -52.8% year-over-year).
- 2022: Revenue of $122K, expenses of $74K, and assets of $821K (revenue +28.7% year-over-year).
- 2021: Revenue of $95K, expenses of $68K, and assets of $773K (revenue +87.1% year-over-year).
- 2020: Revenue of $51K, expenses of $68K, and assets of $747K (revenue -15.8% year-over-year).
- 2019: Revenue of $60K, expenses of $57K, and assets of $764K (revenue -7.4% year-over-year).
- 2015: Revenue of $65K, expenses of $67K, and assets of $715K (revenue -16.5% year-over-year).
- 2014: Revenue of $78K, expenses of $65K, and assets of $717K (revenue +21.1% year-over-year).
- 2013: Revenue of $64K, expenses of $62K, and assets of $704K (revenue +32.5% year-over-year).
- 2012: Revenue of $48K, expenses of $62K, and assets of $702K (revenue -23.4% year-over-year).
- 2011: Revenue of $63K, expenses of $61K, and assets of $715K.
View Individual Filing Years
Explore detailed financial data from each IRS 990 filing year for Ralph Currier Stuart Trust Amoskeag Bank:
Data Sources and Methodology
This transparency report for Ralph Currier Stuart Trust Amoskeag Bank 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.