Ezra L Baker Educational Loan Fund
Nonprofit profile at a glance
- EIN
- 466018786
- IRS 990-EZ coverage
- 2010–2025
- Forms available
- Form 990 2023, Form 990-EZ 2025
- Location
- Aberdeen, SD, USA
- Phone
- 6053803980
- Rating
- 73
- Verdict
- SUPPORTED
- Rating confidence
- Moderate
- Affiliation
- Christianity
Reported finances
- Revenue
- $31,861
- Expenses
- $6,272
- Assets
- $382,831
- Liabilities
- $211
Source: IRS Form 990-EZ. Selected filing: tax year 2025. Amounts in USD.
Leadership & pay
4 people listed
People named in this filing
- Mark Englehart (Trustee)
- William O Edwards (Trustee)
- Pastor Gary Compton (Trustee)
Selected names, not a complete roster or a statement of current roles. Open leadership details for the complete filed list.
Source: IRS Form 990-EZ. Selected filing: tax year 2025. Names and roles reflect this filing, not necessarily current officeholders.
Overview
Mission
To provide student loans at low or modest rates of interest for selected college or university students who attend First Baptist Church of Aberdeen
What it reported doing in 2025
To administer student loans to deserving attendants of the First Baptist Church of Aberdeen for college or universitytraining. The organization issued $12,000 in new loans in 2025
Operating model
- Revenue model
- Investment-supported. 100% of the money available for current operations came from recurring investment income.
- Distribution model
- Cannot be determined from the filing. The filing does not provide enough consistent spending detail to tell whether the nonprofit works directly or through others.
The verdict
SUPPORTED - The filed numbers largely add up and a large share of total spending goes to programs. A relatively small share of available resources goes toward mission work and some filed totals do not add up.
Rating breakdown
- Financial Efficiency: 61
- Transparency & Controls: 82
- Sustainability: 85
- Growth: 100
Detailed rating inputs
Financial Efficiency
- Mission deployment rate: 37.7%; rating input score 38
- Program expense ratio: 100%; rating input score 100
Transparency & Controls
- Consistency checks: 100%; rating input score 100; 51st percentile among comparable filings
- Major donor itemization: Limited
Sustainability
- Operating margin: 80.3%; rating input score 97; 97th percentile among comparable filings
- Total-asset coverage ratio: 61.04; rating input score 98; 98th percentile among comparable filings
- Liabilities to assets ratio: 0; rating input score 31; 31st percentile among comparable filings
- Officer compensation ratio: 0%; rating input score 56; 56th percentile among comparable filings
Growth
- Program expense growth: 37.5% per year; rating input score 100; 89th percentile among comparable filings
- Revenue growth: 14.9% per year; rating input score 100; 86th percentile among comparable filings
- Asset growth: 3.2% per year; rating input score 100; 50th percentile among comparable filings
Details
- Where the money goes: 37.7% of revenue deployed · 100% of spending went to programs
- Governance: Filed governance answers
- Accomplishments: 1 filed program accomplishment · $12K in reported program spending
- Leadership: top reported pay $0 · 4 people listed
- Consistency: 6 of 7 current checks pass · 1 finding to review
- Schedules: 2 filed schedules
- Filing history: 14 filing years from 2010 to 2025
- Contacts: How to reach this organization
- Money network: 2 filed money-flow records
- Grant readiness: Federal tax and exclusion status, award history, and grant-maker relationships.
- People: Everyone the filings name, and which of them the filings identify by more than a name.
Key Signals
Signals prioritize questions for review. They are not findings of misconduct.
- Moderate — Financial Efficiency: Mission deployment rate scored 38/100.
- Moderate — Transparency & Controls: Part III program expenses within total did not reconcile in the filed values.
- Moderate — Sustainability: Liabilities to assets ratio scored 31/100.
- Review — Sustainability: Officer compensation ratio scored 56/100.