United Savings Credit Union
EIN: 450226667 · Fargo, ND
| Metric | Value |
|---|---|
| Total Expenses | $1.6M |
| Net Assets | $6.9M |
Is United Savings Credit Union Legit?
Insufficient Data
Assessment based on IRS 990 filings, spending patterns, and AI analysis. Not a guarantee of legitimacy. Full charity check →
About United Savings Credit Union
United Savings Credit Union (EIN: 450226667) is a nonprofit organization based in Fargo, ND. The organization reported total revenue of $0 and total assets of $0 according to its most recent IRS 990 filing. This transparency report provides an AI-powered analysis of United Savings Credit Union's financial health, spending patterns, executive compensation, and overall mission effectiveness based on publicly available IRS data.
Organization Overview
United Savings Credit Union is a mid-size nonprofit.
Key Financial Metrics (2011)
From the most recent IRS 990 filing on record:
| Total Revenue | $1.9M |
| Total Expenses | $1.6M |
| Surplus / Deficit | +$284K |
| Total Assets | $36.0M |
| Total Liabilities | $29.2M |
| Net Assets | $6.9M |
| Operating Margin | 14.8% |
| Debt-to-Asset Ratio | 80.9% |
| Months of Reserves | 263.7 months |
Financial Health Grade: A
In 2011, United Savings Credit Union reported a surplus of $284K with revenue exceeding expenses, holds 263.7 months of operating reserves (strong position), has a debt-to-asset ratio of 80.9% (high leverage).
AI Analysis Pending
AI enrichment for United Savings Credit Union has not yet been completed. Basic IRS 990 data is shown below. Check back later for a full transparency report including a Mission Score, spending breakdown, executive compensation analysis, and red flags assessment.
Mission Effectiveness Score
NonprofitSpending's AI analysis rates United Savings Credit Union with a Mission Score of 0 out of 100 (Very Poor). This score reflects the organization's overall financial transparency, program spending efficiency, and governance indicators derived from IRS 990 public filings.
Key Financial Metrics (2011)
From the most recent IRS 990 filing on record:
- The organization reported a surplus of $284K, with revenue exceeding expenses.
- Debt-to-asset ratio: 80.9%.
Frequently Asked Questions about United Savings Credit Union
Is United Savings Credit Union a legitimate charity?
United Savings Credit Union (EIN: 450226667) is a registered tax-exempt nonprofit based in North Dakota. No red flags identified. Financial health grade: A.
How does United Savings Credit Union spend its money?
United Savings Credit Union reported its financials in IRS 990 filings. 1 years of filing data available. Revenue exceeded expenses in the most recent year. Review the full spending breakdown on NonprofitSpending.
Are donations to United Savings Credit Union tax-deductible?
United Savings Credit Union is registered as a tax-exempt nonprofit (EIN: 450226667). Donations to most 501(c)(3) organizations are tax-deductible. Consult a tax professional for your specific situation.
Where is United Savings Credit Union located?
United Savings Credit Union is headquartered in Fargo, North Dakota and files with the IRS under EIN 450226667.
Filing History
IRS 990 filing history for United Savings Credit Union showing financial trends over 1 year of public records:
In its most recent filing year (2011), United Savings Credit Union reported a surplus of $284K, with revenue exceeding expenses. The organization holds $29.2M in liabilities against $36.0M in assets (debt-to-asset ratio: 80.9%), resulting in net assets of $6.9M.
| Year | Revenue | Expenses | Assets | Liabilities | Officer Comp. % | |
|---|---|---|---|---|---|---|
| 2011 | $1.9M | $1.6M | $36.0M | $29.2M | — | View 990 |
View Individual Filing Years
Explore detailed financial data from each IRS 990 filing year for United Savings Credit Union:
Data Sources and Methodology
This transparency report for United Savings Credit Union 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.