Moaa Charities

Nonprofit profile at a glance

EIN
541659039
IRS 990 coverage
2010–2025
Forms available
Form 990 2025
Location
Alexandria, VA, USA
Phone
7035492311
Rating
87
Verdict
STRONG
Rating confidence
Standard

Official website

Reported finances

Revenue
$12,665,198
Expenses
$8,842,114
Assets
$185,111,489
Liabilities
$1,284,135

Source: IRS Form 990. Selected filing: tax year 2025. Amounts in USD.

Leadership & pay

11 people listed

Executive titles in this filing

  • LT GEN BRIAN T KELLY (PRESIDENT/CEO)
  • COL JAMES O'BRIEN (EXECUTIVE VICE PRESIDENT/COO)
  • REGINA D CHAVIS (EXECUTIVE VICE PRESIDENT/CFO)

Highest reported compensation

  • LT GEN BRIAN T KELLY (PRESIDENT/CEO): $694,915 total reported compensation
  • COL JAMES O'BRIEN (EXECUTIVE VICE PRESIDENT/COO): $389,746 total reported compensation
  • REGINA D CHAVIS (EXECUTIVE VICE PRESIDENT/CFO): $348,093 total reported compensation

Source: IRS Form 990. Selected filing: tax year 2025. Names and roles reflect this filing, not necessarily current officeholders.

Overview

Mission

Provide interest-free loans and grants for undergraduate education to children of former, active, and retired commissioned or warrant officers of the seven uniformed services, and to children of active or retired enlisted members of the armed forces.

What it reported doing in 2025

Provided approximately $9.9 million in interest-free loans and $6.4 million in grants for undergraduate education to children of uniformed service members. Interest-free loans were for $7,000 or $7,500 each. Grants ranged from $500 to $12,000.

Operating model

Revenue model
Donor-supported. 89% of the money available for current operations came from contributions and gifts.
Distribution model
Grant intermediary. The nonprofit sent 89% of its reported program spending out as grants.

The verdict

STRONG - A large share of available resources goes toward mission work and the filed numbers largely add up. Few specific pay-setting methods are documented in the filing; unanswered boxes are not proof of absence and fundraising costs are high for each dollar raised.

Rating breakdown

  • Financial Efficiency: 88
  • Transparency & Controls: 76
  • Accountability: 100
  • Sustainability: 87
  • Growth: 100

Detailed rating inputs

Financial Efficiency

  • Mission deployment rate: 100%; rating input score 100
  • Program expense ratio: 85.4%; rating input score 85
  • Fundraising efficiency: $10.83 raised per $1 spent on fundraising; rating input score 35; 35th percentile among comparable filings

Transparency & Controls

  • Consistency checks: 100%; rating input score 100; 64th percentile among comparable filings
  • Pay-setting controls: 0 of 6 controls in place; rating input score 0
    • Compensation committee: Missing
    • Independent consultant: Missing
    • Other Form 990s reviewed: Missing
    • Written employment contract: Missing
    • Compensation survey or study: Missing
    • Board or committee approval: Missing
  • Foreign activity oversight: Limited
  • Grant itemization coverage: 100%; rating input score 100; 76th percentile among comparable filings
  • Major donor itemization: Yes; rating input score 100
  • Related-party transparency: Yes; rating input score 100

Accountability

  • Independent voting board: 100%; rating input score 100; 64th percentile among comparable filings
  • Governance controls: 9 of 9 controls in place; rating input score 100
    • Conflict-of-interest policy: Pass
    • Whistleblower policy: Pass
    • Document-retention policy: Pass
    • CEO compensation review process: Pass
    • Other executive compensation review process: Pass
    • Form 990 shared with the board: Pass
    • Board meeting minutes documented: Pass
    • Audit committee oversight: Pass
    • Independent financial-statement audit: Pass

Sustainability

  • Operating margin: 30.2%; rating input score 84; 84th percentile among comparable filings
  • Total-asset coverage ratio: 20.94; rating input score 95; 95th percentile among comparable filings
  • Liabilities to assets ratio: 0.01; rating input score 90; 90th percentile among comparable filings
  • Officer compensation ratio: 2.1%; rating input score 79; 79th percentile among comparable filings

Growth

  • Program expense growth: 19.9% per year; rating input score 100; 88th percentile among comparable filings
  • Revenue growth: 2.5% per year; rating input score 100; 18th percentile among comparable filings
  • Asset growth: 6.8% per year; rating input score 100; 49th percentile among comparable filings

Details

  • Where the money goes: 100% of revenue deployed · 85.4% of spending went to programs
  • Governance: 6 of 6 board members independent · 9 of 9 filing controls reported
  • Programs: 2 filed program accomplishments · $7.5M in reported program spending
  • Leadership: top reported pay $695K · 11 people listed · 0 of 6 pay-setting controls reported
  • Consistency: 35 of 35 current checks pass
  • Schedules: 8 filed schedules · includes major donors, grants, and executive pay
  • Filing history: 16 filing years from 2010 to 2025
  • Contacts: How to reach this organization
  • Money network: Resolved incoming and outgoing counterparties from filed money flows.
  • Related organizations: 2 filed related-organization links
  • 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.

  • High — Transparency & Controls: Pay-setting controls scored 0/100.
  • Moderate — Financial Efficiency: Fundraising efficiency scored 35/100.