St Louis Life
St Louis Life consistently spends more than it earns, drawing down assets over time.
EIN: 202372696 · O Fallon, MO · NTEE: L22 · Updated: 2026-03-28
| Metric | Value |
|---|---|
| Total Revenue | $1.1M |
| Total Expenses | $1.4M |
| Program Spending | 85% |
| Net Assets | $4.2M |
| Transparency Score | 70/100 |
Is St Louis Life Legit?
Some Concerns
Assessment based on IRS 990 filings, spending patterns, and AI analysis. Not a guarantee of legitimacy. Full charity check →
St Louis Life directs 85% of its spending to programs. This exceeds the industry benchmark of 65%, indicating strong mission focus.
About St Louis Life
St Louis Life (EIN: 202372696) is a nonprofit organization based in O Fallon, MO, classified under NTEE code L22. The organization reported total revenue of $1.1M and total assets of $3.9M according to its most recent IRS 990 filing. This transparency report provides an AI-powered analysis of St Louis Life's financial health, spending patterns, executive compensation, and overall mission effectiveness based on publicly available IRS data.
Organization Overview
St Louis Life 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 1.9%.
Key Financial Metrics (2023)
From the most recent IRS 990 filing on record:
| Total Revenue | $1.2M |
| Total Expenses | $1.4M |
| Surplus / Deficit | $-272,502 |
| Total Assets | $4.2M |
| Total Liabilities | $14K |
| Net Assets | $4.2M |
| Operating Margin | -23.3% |
| Debt-to-Asset Ratio | 0.3% |
| Months of Reserves | 35.0 months |
Financial Health Grade: B
In 2023, St Louis Life reported a deficit of $273K with expenses exceeding revenue, holds 35.0 months of operating reserves (strong position), has a debt-to-asset ratio of 0.3% (very low leverage).
Financial Trends
Over 13 years of filings (2011–2023), St Louis Life's revenue has grown at a compound annual growth rate (CAGR) of 1.9%.
| Year | Revenue Change | Expense Change | Asset Change |
|---|---|---|---|
| 2023 | +11.0% | +4.4% | -5.8% |
| 2022 | -9.3% | +18.7% | -7.1% |
| 2021 | +3.0% | +4.0% | +-0.0% |
| 2020 | +15.0% | -4.0% | -0.1% |
| 2019 | -0.5% | +4.1% | -3.4% |
IRS Tax-Exempt Classification
| IRS Classification Codes | 1000 |
| 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 St Louis Life 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: 10%
- programs: 85%
- fundraising: 5%
According to IRS 990 filings, St Louis Life 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 deficit of $273K, with expenses exceeding revenue.
- Debt-to-asset ratio: 0.3%.
Executive Compensation Analysis
Executive compensation is consistently reported as 0% across all available filings, indicating that no officers receive salaries from the organization, which is a strong positive for donor confidence and efficient use of funds.
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 St Louis Life's IRS 990 filings:
- Consistent operational deficits (expenses exceeding revenue) in recent years, e.g., $272,502 deficit in 2023.
- Declining asset base over time, from $5.38 million in 2015 to $4.21 million in 2023, suggesting reliance on reserves to cover deficits.
Strengths
The following positive indicators were identified for St Louis Life:
- Consistent reporting of 0% officer compensation, indicating efficient use of funds at the executive level.
- Relatively low and well-managed liabilities, with the highest being $15,344 in 2019.
- Consistent revenue generation of approximately $1 million annually.
Frequently Asked Questions about St Louis Life
Is St Louis Life a legitimate charity?
Based on AI analysis of IRS 990 filings, St Louis Life (EIN: 202372696) some concerns. Mission Score: 70/100. 2 red flags identified, 3 strengths noted.
How does St Louis Life spend its money?
St Louis Life directs 85% of its spending to programs and services. The remaining budget covers administration and fundraising costs.
Are donations to St Louis Life tax-deductible?
St Louis Life is registered as a tax-exempt nonprofit (EIN: 202372696). Donations to most 501(c)(3) organizations are tax-deductible. Consult a tax professional for your specific situation.
What percentage of St Louis Life's spending goes to programs?
St Louis Life directs 85% to programs, 5% to fundraising. This exceeds the 65% industry benchmark for efficient nonprofits.
How does St Louis Life compare to similar nonprofits?
With a transparency score of 70/100 (Good), St Louis Life is above average for NTEE category L22 nonprofits. The score reflects financial transparency, program spending efficiency, and governance quality based on IRS 990 data.
Where is St Louis Life located?
St Louis Life is headquartered in O Fallon, Missouri and files with the IRS under EIN 202372696. It is classified under NTEE code L22.
How many years of IRS 990 filings does St Louis Life have?
St Louis Life 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 $1.1M in total revenue.
Is St Louis Life a good charity?
St Louis Life exhibits strengths in executive compensation transparency (0% reported) and relatively low liabilities. However, the consistent operational deficits (e.g., $1,443,725 expenses vs. $1,171,223 revenue in 2023) and declining asset base suggest potential long-term financial sustainability concerns. Donors should consider these factors.
Why are St Louis Life's assets declining?
St Louis Life's assets have declined from $5,381,915 in 2015 to $4,212,626 in 2023. This decline likely stems from the organization consistently spending more than its revenue, covering the deficits by drawing down its reserves.
What is the trend in St Louis Life's financial performance?
St Louis Life has consistently generated around $1 million in revenue annually. However, since 2016, expenses have frequently exceeded revenue, leading to operational deficits in most years, such as in 2023 ($1,443,725 expenses vs. $1,171,223 revenue).
How does St Louis Life manage its liabilities?
St Louis Life generally maintains low liabilities, with the highest reported being $15,344 in 2019 and $13,574 in 2023, indicating responsible management of its debts.
Filing History
IRS 990 filing history for St Louis Life showing financial trends over 13 years of public records:
Over 13 years of IRS 990 filings (2011–2023), St Louis Life's revenue has grown by 25.1%, moving from $936K to $1.2M. Total assets decreased by 19.6% over the same period, from $5.2M to $4.2M. Total functional expenses rose by 41.4%, from $1.0M to $1.4M. In its most recent filing year (2023), St Louis Life reported a deficit of $273K, with expenses exceeding revenue. The organization holds $14K in liabilities against $4.2M in assets (debt-to-asset ratio: 0.3%), resulting in net assets of $4.2M.
| Year | Revenue | Expenses | Assets | Liabilities | Officer Comp. % | |
|---|---|---|---|---|---|---|
| 2023 | $1.2M | $1.4M | $4.2M | $14K | — | — |
| 2022 | $1.1M | $1.4M | $4.5M | $0 | — | View 990 |
| 2021 | $1.2M | $1.2M | $4.8M | $0 | — | View 990 |
| 2020 | $1.1M | $1.1M | $4.8M | $650 | — | — |
| 2019 | $983K | $1.2M | $4.8M | $15K | — | View 990 |
| 2018 | $988K | $1.1M | $5.0M | $506 | — | View 990 |
| 2017 | $1.0M | $1.1M | $5.1M | $4K | — | View 990 |
| 2016 | $971K | $1.1M | $5.2M | $3K | — | View 990 |
| 2015 | $1.1M | $1.0M | $5.4M | $9K | — | View 990 |
| 2014 | $1.1M | $963K | $5.3M | $14K | — | View 990 |
| 2013 | $957K | $1.1M | $5.2M | $25K | — | View 990 |
| 2012 | $1.1M | $1.0M | $5.3M | $31K | — | View 990 |
| 2011 | $936K | $1.0M | $5.2M | $60K | — | View 990 |
Year-by-Year Financial Summary
- 2023: Revenue of $1.2M, expenses of $1.4M, and assets of $4.2M (revenue +11.0% year-over-year).
- 2022: Revenue of $1.1M, expenses of $1.4M, and assets of $4.5M (revenue -9.3% year-over-year).
- 2021: Revenue of $1.2M, expenses of $1.2M, and assets of $4.8M (revenue +3.0% year-over-year).
- 2020: Revenue of $1.1M, expenses of $1.1M, and assets of $4.8M (revenue +15.0% year-over-year).
- 2019: Revenue of $983K, expenses of $1.2M, and assets of $4.8M (revenue -0.5% year-over-year).
- 2018: Revenue of $988K, expenses of $1.1M, and assets of $5.0M (revenue -4.4% year-over-year).
- 2017: Revenue of $1.0M, expenses of $1.1M, and assets of $5.1M (revenue +6.4% year-over-year).
- 2016: Revenue of $971K, expenses of $1.1M, and assets of $5.2M (revenue -13.6% year-over-year).
- 2015: Revenue of $1.1M, expenses of $1.0M, and assets of $5.4M (revenue +3.6% year-over-year).
- 2014: Revenue of $1.1M, expenses of $963K, and assets of $5.3M (revenue +13.3% year-over-year).
- 2013: Revenue of $957K, expenses of $1.1M, and assets of $5.2M (revenue -11.2% year-over-year).
- 2012: Revenue of $1.1M, expenses of $1.0M, and assets of $5.3M (revenue +15.0% year-over-year).
- 2011: Revenue of $936K, expenses of $1.0M, and assets of $5.2M.
View Individual Filing Years
Explore detailed financial data from each IRS 990 filing year for St Louis Life:
Data Sources and Methodology
This transparency report for St Louis Life 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.