Susan L Lloyd Charitable Trust
Susan L Lloyd Charitable Trust shows strong asset growth and zero executive compensation.
EIN: 133630830 · E Greenwich, RI · Updated: 2026-03-28
| Metric | Value |
|---|---|
| Total Revenue | $115K |
| Total Expenses | $83K |
| Program Spending | 95% |
| CEO/Top Officer Pay | $2.6 |
| Net Assets | $2.6M |
| Transparency Score | 90/100 |
Is Susan L Lloyd Charitable Trust Legit?
Some Concerns
Assessment based on IRS 990 filings, spending patterns, and AI analysis. Not a guarantee of legitimacy. Full charity check →
Susan L Lloyd Charitable Trust directs 95% of its spending to programs. This exceeds the industry benchmark of 65%, indicating strong mission focus.
About Susan L Lloyd Charitable Trust
Susan L Lloyd Charitable Trust (EIN: 133630830) is a nonprofit organization based in E Greenwich, RI. The organization reported total revenue of $115K and total assets of $3.5M according to its most recent IRS 990 filing. This transparency report provides an AI-powered analysis of Susan L Lloyd Charitable Trust's financial health, spending patterns, executive compensation, and overall mission effectiveness based on publicly available IRS data.
Organization Overview
Susan L Lloyd Charitable Trust is a small nonprofit that has been operating for 34 years, with 9 years of IRS 990 filings on record (2011–2023). Revenue has grown at a compound annual rate of 46.6%.
Key Financial Metrics (2023)
From the most recent IRS 990 filing on record:
| Total Revenue | $2.1M |
| Total Expenses | $83K |
| Surplus / Deficit | +$2.1M |
| Total Assets | $2.6M |
| Total Liabilities | $1 |
| Net Assets | $2.6M |
| Operating Margin | 96.1% |
| Debt-to-Asset Ratio | 0.0% |
| Months of Reserves | 383.1 months |
Financial Health Grade: A
In 2023, Susan L Lloyd Charitable Trust reported a surplus of $2.1M with revenue exceeding expenses, holds 383.1 months of operating reserves (strong position), has a debt-to-asset ratio of 0.0% (very low leverage).
Financial Trends
Over 9 years of filings (2011–2023), Susan L Lloyd Charitable Trust's revenue has grown at a compound annual growth rate (CAGR) of 46.6%.
| Year | Revenue Change | Expense Change | Asset Change |
|---|---|---|---|
| 2023 | +11215.8% | +26.3% | +350.5% |
| 2022 | +16.8% | -0.3% | -7.4% |
| 2021 | -97.4% | -76.6% | -7.3% |
| 2020 | +836.7% | +425.7% | +70.4% |
| 2015 | +166.9% | +44.5% | +3.3% |
IRS Tax-Exempt Classification
| IRS Classification Codes | 1000 |
| IRS Ruling Date | 1992 |
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 Susan L Lloyd Charitable Trust with a Mission Score of 90 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: 5%
- programs: 95%
- fundraising: 0%
According to IRS 990 filings, Susan L Lloyd Charitable Trust allocates its expenses as follows: admin: 5%, programs: 95%, fundraising: 0%. With 95% 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 $2.1M, with revenue exceeding expenses.
- Debt-to-asset ratio: 0.0%.
Executive Compensation Analysis
Executive compensation is consistently reported as 0% across all available filings, indicating that no funds are allocated to officer salaries, which is highly commendable for an organization with assets exceeding $2.6 million in its latest period.
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 Susan L Lloyd Charitable Trust's IRS 990 filings:
- NTEE code is unknown, which limits understanding of specific programmatic focus.
Strengths
The following positive indicators were identified for Susan L Lloyd Charitable Trust:
- Consistently reports 0% officer compensation, indicating high efficiency and dedication to mission.
- Maintains extremely low liabilities ($1 across most filings), suggesting strong financial health and low risk.
- Significant asset growth, particularly in the 202309 period, demonstrating effective financial management.
- Expenses are consistently a small fraction of revenue in most periods, indicating efficient use of funds.
Frequently Asked Questions about Susan L Lloyd Charitable Trust
Is Susan L Lloyd Charitable Trust a legitimate charity?
Based on AI analysis of IRS 990 filings, Susan L Lloyd Charitable Trust (EIN: 133630830) some concerns. Mission Score: 90/100. 1 red flag identified, 4 strengths noted.
How does Susan L Lloyd Charitable Trust spend its money?
Susan L Lloyd Charitable Trust directs 95% of its spending to programs and services. The remaining budget covers administration and fundraising costs.
Are donations to Susan L Lloyd Charitable Trust tax-deductible?
Susan L Lloyd Charitable Trust is registered as a tax-exempt nonprofit (EIN: 133630830). Donations to most 501(c)(3) organizations are tax-deductible. Consult a tax professional for your specific situation.
How much does the Susan L Lloyd Charitable Trust CEO make?
Susan L Lloyd Charitable Trust's highest-compensated officer earns $2.6 annually. The organization reported $115K in total revenue. Executive compensation data is disclosed in IRS 990 filings.
Where is Susan L Lloyd Charitable Trust located?
Susan L Lloyd Charitable Trust is headquartered in E Greenwich, Rhode Island and files with the IRS under EIN 133630830.
How many years of IRS 990 filings does Susan L Lloyd Charitable Trust have?
Susan L Lloyd Charitable Trust has 9 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 $115K in total revenue.
Is the Susan L Lloyd Charitable Trust financially stable?
Yes, the trust appears very financially stable, especially with assets growing to $2,640,889 in 202309 and consistently low liabilities of $1 across all reported periods.
How efficient is the Susan L Lloyd Charitable Trust with its spending?
The trust demonstrates high spending efficiency. For example, in 202309, expenses were only $82,731 against revenue of $2,137,448, and there is no reported officer compensation.
Does the Susan L Lloyd Charitable Trust pay its executives?
No, the trust consistently reports 0% officer compensation across all nine available IRS 990 filings, indicating no executive salaries are paid.
What is the trend in the trust's assets?
The trust's assets have shown significant growth, particularly from $586,172 in 202209 to $2,640,889 in 202309, indicating effective asset management and/or substantial contributions.
Filing History
IRS 990 filing history for Susan L Lloyd Charitable Trust showing financial trends over 9 years of public records:
Over 9 years of IRS 990 filings (2011–2023), Susan L Lloyd Charitable Trust's revenue has grown by 9773.7%, moving from $22K to $2.1M. Total assets increased by 658.3% over the same period, from $348K to $2.6M. Total functional expenses fell by 40.2%, from $138K to $83K. In its most recent filing year (2023), Susan L Lloyd Charitable Trust reported a surplus of $2.1M, with revenue exceeding expenses. The organization holds $1 in liabilities against $2.6M in assets (debt-to-asset ratio: 0.0%), resulting in net assets of $2.6M.
| Year | Revenue | Expenses | Assets | Liabilities | Officer Comp. % | |
|---|---|---|---|---|---|---|
| 2023 | $2.1M | $83K | $2.6M | $1 | — | View 990 |
| 2022 | $19K | $65K | $586K | $1 | — | View 990 |
| 2021 | $16K | $66K | $633K | $1 | — | View 990 |
| 2020 | $620K | $280K | $682K | $1 | — | — |
| 2015 | $66K | $53K | $400K | $1 | — | View 990 |
| 2014 | $25K | $37K | $387K | $0 | — | View 990 |
| 2013 | $68K | $36K | $400K | $1 | — | View 990 |
| 2012 | $32K | $12K | $368K | $1 | — | View 990 |
| 2011 | $22K | $138K | $348K | $1 | — | View 990 |
Year-by-Year Financial Summary
- 2023: Revenue of $2.1M, expenses of $83K, and assets of $2.6M (revenue +11215.8% year-over-year).
- 2022: Revenue of $19K, expenses of $65K, and assets of $586K (revenue +16.8% year-over-year).
- 2021: Revenue of $16K, expenses of $66K, and assets of $633K (revenue -97.4% year-over-year).
- 2020: Revenue of $620K, expenses of $280K, and assets of $682K (revenue +836.7% year-over-year).
- 2015: Revenue of $66K, expenses of $53K, and assets of $400K (revenue +166.9% year-over-year).
- 2014: Revenue of $25K, expenses of $37K, and assets of $387K (revenue -63.3% year-over-year).
- 2013: Revenue of $68K, expenses of $36K, and assets of $400K (revenue +109.8% year-over-year).
- 2012: Revenue of $32K, expenses of $12K, and assets of $368K (revenue +48.8% year-over-year).
- 2011: Revenue of $22K, expenses of $138K, and assets of $348K.
View Individual Filing Years
Explore detailed financial data from each IRS 990 filing year for Susan L Lloyd Charitable Trust:
Data Sources and Methodology
This transparency report for Susan L Lloyd Charitable Trust 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.