Unsatisfied Claims & Judgement Fund
Unsatisfied Claims & Judgement Fund consistently operates with expenses exceeding revenue, maintaining significant liabilities.
EIN: 200500733 · Basking Ridge, NJ · NTEE: S41 · Updated: 2026-03-28
Is Unsatisfied Claims & Judgement Fund Legit?
Some Concerns
Assessment based on IRS 990 filings, spending patterns, and AI analysis. Not a guarantee of legitimacy. Full charity check →
Unsatisfied Claims & Judgement Fund directs 90% of its spending to programs. This exceeds the industry benchmark of 65%, indicating strong mission focus.
About Unsatisfied Claims & Judgement Fund
Unsatisfied Claims & Judgement Fund (EIN: 200500733) is a nonprofit organization based in Basking Ridge, NJ, classified under NTEE code S41. The organization reported total revenue of $327.4M and total assets of $83.2M according to its most recent IRS 990 filing. This transparency report provides an AI-powered analysis of Unsatisfied Claims & Judgement Fund's financial health, spending patterns, executive compensation, and overall mission effectiveness based on publicly available IRS data.
AI Transparency Report
Mission Effectiveness Score
NonprofitSpending's AI analysis rates Unsatisfied Claims & Judgement Fund 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: 8%
- programs: 90%
- fundraising: 2%
According to IRS 990 filings, Unsatisfied Claims & Judgement Fund allocates its expenses as follows: admin: 8%, programs: 90%, fundraising: 2%. With 90% directed toward programs, this reflects a strong commitment to its charitable mission.
Executive Compensation Analysis
The organization consistently reports 0% officer compensation across all available filings, indicating that no salaries or benefits are paid to its officers, which is highly unusual for an organization of its size with annual revenues often exceeding $80 million.
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 Unsatisfied Claims & Judgement Fund's IRS 990 filings:
- Consistent operational deficits (expenses exceeding revenue), as seen in 2023 ($87.8M expenses vs $80.0M revenue) and 2021 ($79.0M expenses vs $67.4M revenue).
- Significant and consistent negative net assets (liabilities exceeding assets), with liabilities of $95.2M against assets of $77.6M in 2023.
- Unusually low or zero reported officer compensation for an organization of this scale, which may obscure the true cost of leadership.
Strengths
The following positive indicators were identified for Unsatisfied Claims & Judgement Fund:
- High transparency regarding executive compensation, reporting 0% officer compensation across all filings.
- Consistent and substantial revenue generation, indicating a stable funding base for its mission.
Frequently Asked Questions about Unsatisfied Claims & Judgement Fund
Is Unsatisfied Claims & Judgement Fund a legitimate charity?
Based on AI analysis of IRS 990 filings, Unsatisfied Claims & Judgement Fund (EIN: 200500733) some concerns. Mission Score: 70/100. 3 red flags identified, 2 strengths noted.
How does Unsatisfied Claims & Judgement Fund spend its money?
Unsatisfied Claims & Judgement Fund directs 90% of its spending to programs and services. The remaining budget covers administration and fundraising costs.
Are donations to Unsatisfied Claims & Judgement Fund tax-deductible?
Unsatisfied Claims & Judgement Fund is registered as a tax-exempt nonprofit (EIN: 200500733). Donations to most 501(c)(3) organizations are tax-deductible. Consult a tax professional for your specific situation.
How does Unsatisfied Claims & Judgement Fund manage its consistent operational deficits, where expenses frequently exceed revenue?
The organization frequently reports expenses higher than revenue, for example, $87,879,797 in expenses versus $80,068,307 in revenue in 2023. This suggests a reliance on prior year surpluses or other funding sources to cover operational gaps.
What is the nature of the significant liabilities consistently reported by the organization?
The organization consistently reports liabilities significantly exceeding assets, such as $95,266,932 in liabilities against $77,655,346 in assets in 2023. Understanding the composition of these liabilities (e.g., claims payable, long-term debt) is crucial for assessing financial risk.
Given the large scale of operations, how does the organization function with 0% reported officer compensation?
The consistent reporting of 0% officer compensation is highly unusual for an organization with annual revenues in the tens of millions. This could imply that executive functions are performed by volunteers, by staff whose roles are not classified as 'officer,' or through other arrangements not reflected in this specific line item.
Filing History
IRS 990 filing history for Unsatisfied Claims & Judgement Fund showing financial trends over 13 years of public records:
Over 13 years of IRS 990 filings (2011–2023), Unsatisfied Claims & Judgement Fund's revenue has grown by 14.1%, moving from $70.2M to $80.1M. Total assets increased by 240.5% over the same period, from $22.8M to $77.7M. Total functional expenses rose by 26.7%, from $69.4M to $87.9M. In its most recent filing year (2023), Unsatisfied Claims & Judgement Fund reported a deficit of $7.8M, with expenses exceeding revenue. The organization holds $95.3M in liabilities against $77.7M in assets (debt-to-asset ratio: 122.7%), resulting in net assets of $-17,611,586.
| Year | Revenue | Expenses | Assets | Liabilities | Officer Comp. | |
|---|---|---|---|---|---|---|
| 2023 | $80.1M | $87.9M | $77.7M | $95.3M | — | — |
| 2022 | $82.2M | $66.2M | $78.5M | $88.3M | — | View 990 |
| 2021 | $67.4M | $79.1M | $69.0M | $94.8M | — | View 990 |
| 2020 | $80.5M | $78.2M | $71.3M | $85.4M | — | — |
| 2019 | $90.6M | $97.2M | $63.9M | $80.4M | — | View 990 |
| 2018 | $95.1M | $71.0M | $55.7M | $65.6M | — | View 990 |
| 2017 | $91.4M | $79.4M | $32.0M | $66.0M | — | View 990 |
| 2016 | $87.7M | $71.4M | $30.2M | $76.1M | — | View 990 |
| 2015 | $86.7M | $89.2M | $33.2M | $95.5M | — | View 990 |
| 2014 | $85.4M | $87.8M | $30.2M | $90.0M | — | View 990 |
| 2013 | $81.8M | $81.1M | $27.7M | $85.0M | — | View 990 |
| 2012 | $79.1M | $86.5M | $34.1M | $92.1M | — | View 990 |
| 2011 | $70.2M | $69.4M | $22.8M | $73.3M | — | View 990 |
Year-by-Year Financial Summary
- 2023: Revenue of $80.1M, expenses of $87.9M, and assets of $77.7M (revenue -2.6% year-over-year).
- 2022: Revenue of $82.2M, expenses of $66.2M, and assets of $78.5M (revenue +21.9% year-over-year).
- 2021: Revenue of $67.4M, expenses of $79.1M, and assets of $69.0M (revenue -16.3% year-over-year).
- 2020: Revenue of $80.5M, expenses of $78.2M, and assets of $71.3M (revenue -11.1% year-over-year).
- 2019: Revenue of $90.6M, expenses of $97.2M, and assets of $63.9M (revenue -4.6% year-over-year).
- 2018: Revenue of $95.1M, expenses of $71.0M, and assets of $55.7M (revenue +4.1% year-over-year).
- 2017: Revenue of $91.4M, expenses of $79.4M, and assets of $32.0M (revenue +4.1% year-over-year).
- 2016: Revenue of $87.7M, expenses of $71.4M, and assets of $30.2M (revenue +1.3% year-over-year).
- 2015: Revenue of $86.7M, expenses of $89.2M, and assets of $33.2M (revenue +1.5% year-over-year).
- 2014: Revenue of $85.4M, expenses of $87.8M, and assets of $30.2M (revenue +4.3% year-over-year).
- 2013: Revenue of $81.8M, expenses of $81.1M, and assets of $27.7M (revenue +3.5% year-over-year).
- 2012: Revenue of $79.1M, expenses of $86.5M, and assets of $34.1M (revenue +12.7% year-over-year).
- 2011: Revenue of $70.2M, expenses of $69.4M, and assets of $22.8M.
Data Sources and Methodology
This transparency report for Unsatisfied Claims & Judgement Fund 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.