The Ywca Retirement Fund Inc
Ywca Retirement Fund consistently distributes more in expenses than it generates in revenue, maintaining a substantial asset base.
EIN: 131624231 · New York, NY · NTEE: Y430 · Updated: 2026-03-28
Is The Ywca Retirement Fund Inc Legit?
Some Concerns
Assessment based on IRS 990 filings, spending patterns, and AI analysis. Not a guarantee of legitimacy. Full charity check →
The Ywca Retirement Fund Inc directs 90% of its spending to programs. This exceeds the industry benchmark of 65%, indicating strong mission focus.
About The Ywca Retirement Fund Inc
The Ywca Retirement Fund Inc (EIN: 131624231) is a nonprofit organization based in New York, NY, classified under NTEE code Y430. The organization reported total revenue of $399.4M and total assets of $407.2M according to its most recent IRS 990 filing. This transparency report provides an AI-powered analysis of The Ywca Retirement Fund Inc's financial health, spending patterns, executive compensation, and overall mission effectiveness based on publicly available IRS data.
Organization Overview
The Ywca Retirement Fund Inc is a major nonprofit that has been operating for 84 years, with 13 years of IRS 990 filings on record (2011–2023). Revenue has grown at a compound annual rate of 3.6%.
Key Financial Metrics (2023)
From the most recent IRS 990 filing on record:
| Total Revenue | $22.2M |
| Total Expenses | $38.1M |
| Surplus / Deficit | $-15,951,235 |
| Total Assets | $386.7M |
| Total Liabilities | $7.5M |
| Net Assets | $379.2M |
| Operating Margin | -72.0% |
| Debt-to-Asset Ratio | 1.9% |
| Months of Reserves | 121.7 months |
Financial Health Grade: B
In 2023, The Ywca Retirement Fund Inc reported a deficit of $16.0M with expenses exceeding revenue, holds 121.7 months of operating reserves (strong position), has a debt-to-asset ratio of 1.9% (very low leverage).
Financial Trends
Over 13 years of filings (2011–2023), The Ywca Retirement Fund Inc's revenue has grown at a compound annual growth rate (CAGR) of 3.6%.
| Year | Revenue Change | Expense Change | Asset Change |
|---|---|---|---|
| 2023 | +19.0% | +10.2% | +4.3% |
| 2022 | -15.0% | -3.6% | -8.3% |
| 2021 | +50.5% | +9.2% | +1.9% |
| 2020 | -38.0% | -15.1% | +3.8% |
| 2019 | -68.5% | -9.1% | +3.9% |
IRS Tax-Exempt Classification
| IRS Classification Codes | 1000 |
| IRS Ruling Date | 1942 |
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 The Ywca Retirement Fund Inc with a Mission Score of 85 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: 90%
- fundraising: 0%
According to IRS 990 filings, The Ywca Retirement Fund Inc allocates its expenses as follows: admin: 10%, programs: 90%, fundraising: 0%. With 90% 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 $16.0M, with expenses exceeding revenue.
- Debt-to-asset ratio: 1.9%.
Executive Compensation Analysis
The organization consistently reports 0% officer compensation across all available filings, indicating that no direct compensation is paid to officers from the fund's operational budget, or it is not reported as such on the 990.
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 The Ywca Retirement Fund Inc's IRS 990 filings:
- Consistent operational deficit (expenses exceeding revenue) in recent years, e.g., $38.1M expenses vs. $22.1M revenue in 2023, which, while potentially normal for a retirement fund, warrants understanding of its long-term sustainability model.
Strengths
The following positive indicators were identified for The Ywca Retirement Fund Inc:
- Strong asset base consistently over $350 million, indicating financial stability and capacity to meet obligations.
- Consistent reporting of 0% officer compensation, suggesting transparency or alternative compensation structures.
- Clear mission as a retirement fund (NTEE Y430), indicating a focused purpose.
Frequently Asked Questions about The Ywca Retirement Fund Inc
Is The Ywca Retirement Fund Inc a legitimate charity?
Based on AI analysis of IRS 990 filings, The Ywca Retirement Fund Inc (EIN: 131624231) some concerns. Mission Score: 85/100. 1 red flag identified, 3 strengths noted.
How does The Ywca Retirement Fund Inc spend its money?
The Ywca Retirement Fund Inc directs 90% of its spending to programs and services. The remaining budget covers administration and fundraising costs.
Are donations to The Ywca Retirement Fund Inc tax-deductible?
The Ywca Retirement Fund Inc is registered as a tax-exempt nonprofit (EIN: 131624231). Donations to most 501(c)(3) organizations are tax-deductible. Consult a tax professional for your specific situation.
How does the Ywca Retirement Fund Inc generate revenue if expenses consistently exceed it?
As a retirement fund, its 'revenue' often includes investment income and contributions, while 'expenses' include benefit payments and administrative costs. The consistent deficit in operational revenue vs. expenses suggests it draws from its substantial asset base to fulfill its obligations, which is typical for a mature retirement fund.
What is the nature of the 'programs' for a retirement fund?
For a retirement fund, 'programs' primarily refer to the administration, management, and distribution of retirement benefits to eligible participants, which is its core mission.
Is the 0% officer compensation truly indicative of no executive pay?
While the 990s report 0% officer compensation, it's possible that executive services are provided by an affiliated entity, or compensation is structured in a way not captured under 'officer compensation' on the 990. Further investigation into related party transactions or management agreements would be needed for full clarity.
Filing History
IRS 990 filing history for The Ywca Retirement Fund Inc showing financial trends over 13 years of public records:
Over 13 years of IRS 990 filings (2011–2023), The Ywca Retirement Fund Inc's revenue has grown by 53.5%, moving from $14.4M to $22.2M. Total assets decreased by 12.3% over the same period, from $440.9M to $386.7M. Total functional expenses rose by 5.3%, from $36.2M to $38.1M. In its most recent filing year (2023), The Ywca Retirement Fund Inc reported a deficit of $16.0M, with expenses exceeding revenue. The organization holds $7.5M in liabilities against $386.7M in assets (debt-to-asset ratio: 1.9%), resulting in net assets of $379.2M.
| Year | Revenue | Expenses | Assets | Liabilities | Officer Comp. % | |
|---|---|---|---|---|---|---|
| 2023 | $22.2M | $38.1M | $386.7M | $7.5M | — | View 990 |
| 2022 | $18.6M | $34.6M | $370.5M | $8.4M | — | View 990 |
| 2021 | $21.9M | $35.9M | $403.9M | $2.3M | — | View 990 |
| 2020 | $14.6M | $32.9M | $396.5M | $2.1M | — | — |
| 2019 | $23.5M | $38.7M | $382.2M | $1.1M | — | View 990 |
| 2018 | $74.6M | $42.6M | $368.0M | $1.2M | — | View 990 |
| 2017 | $22.2M | $41.6M | $409.8M | $920K | — | View 990 |
| 2016 | $40.7M | $35.8M | $406.2M | $1.2M | — | View 990 |
| 2015 | $46.9M | $38.2M | $404.5M | $926K | — | View 990 |
| 2014 | $32.4M | $37.6M | $446.0M | $1.1M | — | View 990 |
| 2013 | $57.4M | $38.5M | $466.2M | $1.9M | — | View 990 |
| 2012 | $45.6M | $36.9M | $449.2M | $3.9M | — | View 990 |
| 2011 | $14.4M | $36.2M | $440.9M | $4.2M | — | View 990 |
Year-by-Year Financial Summary
- 2023: Revenue of $22.2M, expenses of $38.1M, and assets of $386.7M (revenue +19.0% year-over-year).
- 2022: Revenue of $18.6M, expenses of $34.6M, and assets of $370.5M (revenue -15.0% year-over-year).
- 2021: Revenue of $21.9M, expenses of $35.9M, and assets of $403.9M (revenue +50.5% year-over-year).
- 2020: Revenue of $14.6M, expenses of $32.9M, and assets of $396.5M (revenue -38.0% year-over-year).
- 2019: Revenue of $23.5M, expenses of $38.7M, and assets of $382.2M (revenue -68.5% year-over-year).
- 2018: Revenue of $74.6M, expenses of $42.6M, and assets of $368.0M (revenue +236.1% year-over-year).
- 2017: Revenue of $22.2M, expenses of $41.6M, and assets of $409.8M (revenue -45.5% year-over-year).
- 2016: Revenue of $40.7M, expenses of $35.8M, and assets of $406.2M (revenue -13.0% year-over-year).
- 2015: Revenue of $46.9M, expenses of $38.2M, and assets of $404.5M (revenue +44.7% year-over-year).
- 2014: Revenue of $32.4M, expenses of $37.6M, and assets of $446.0M (revenue -43.6% year-over-year).
- 2013: Revenue of $57.4M, expenses of $38.5M, and assets of $466.2M (revenue +26.1% year-over-year).
- 2012: Revenue of $45.6M, expenses of $36.9M, and assets of $449.2M (revenue +215.4% year-over-year).
- 2011: Revenue of $14.4M, expenses of $36.2M, and assets of $440.9M.
Data Sources and Methodology
This transparency report for The Ywca Retirement Fund Inc 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.