Urban League for Bergen County Inc

Nonprofit profile at a glance

EIN
221487175
IRS 990 coverage
2009–2009
Forms available
Form 990 2009
Location
Englewood, NJ, USA
Phone
2015684988
Rating confidence
Limited
Sector
Human Services

Reported finances

Revenue
$634,678
Expenses
$339,178
Assets
$397,182
Liabilities
$123,500

Source: IRS Form 990. Selected filing: tax year 2009. Amounts in USD.

Leadership & pay

8 people listed

Source: IRS Form 990. Selected filing: tax year 2009. Names and roles reflect this filing, not necessarily current officeholders.

Overview

Mission

We are a historic civil rights organization founded in 1918 as a part of the National Urban League and dedicated to economic

What it reported doing in 2009

Housing: our housing group is presently consumed with foreclosure and default counseling which includes loan modification and foreclosure mitigation work, however as a hud certified agency we offer pre-purchase group and one on one counseling hecm/reverse mortgage counseling, budget, credit, and financial literacy counseling in group workshops and one to one sessions. As an agency we are rooted in the major financial decline assisting clients daily. Our housing area serves several hundred households per year. In our current fiscal year we have surpassed our expected goals and continue to meet the demands of todays housing and credit crisis.

Operating model

Revenue model
Grant-funded. 91% of the money available for current operations came from government grants.
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

- The available evidence is not sufficient to produce an overall rating for this filing. This is not a warning sign.

Rating breakdown

  • Financial Efficiency: NotEnoughData
  • Transparency & Controls: 86
  • Accountability: 94
  • Sustainability: 75
  • Growth: NotEnoughData

Detailed rating inputs

Financial Efficiency

  • Mission deployment rate: Limited
  • Program expense ratio: Limited
  • Fundraising efficiency: Limited

Transparency & Controls

  • Consistency checks: 88.9%; rating input score 89; 3rd percentile among comparable filings
  • Pay-setting controls: Limited
  • Foreign activity oversight: Limited
  • Grant itemization coverage: 100%; rating input score 100; 70th percentile among comparable filings
  • Major donor itemization: Limited
  • Related-party transparency: Limited

Accountability

  • Independent voting board: 100%; rating input score 100; 64th percentile among comparable filings
  • Governance controls: 6 of 7 controls in place; rating input score 86
    • Conflict-of-interest policy: Pass
    • Whistleblower policy: Pass
    • Document-retention policy: Pass
    • CEO compensation review process: NotApplicable
    • Other executive compensation review process: NotApplicable
    • Form 990 shared with the board: Pass
    • Board meeting minutes documented: Pass
    • Audit committee oversight: Missing
    • Independent financial-statement audit: Pass

Sustainability

  • Operating margin: 46.6%; rating input score 95; 95th percentile among comparable filings
  • Total-asset coverage ratio: 1.17; rating input score 53; 53rd percentile among comparable filings
  • Liabilities to assets ratio: 0.31; rating input score 39; 39th percentile among comparable filings
  • Officer compensation ratio: 0%; rating input score 87; 87th percentile among comparable filings

Growth

  • Program expense growth: Limited
  • Revenue growth: Limited
  • Asset growth: Limited

Details

  • Where the money goes: Financial trends and filed revenue, expense, asset, and liability detail
  • Governance: 8 of 8 board members independent · 6 of 7 filing controls reported
  • Programs: 3 filed program accomplishments · $238K in reported program spending
  • Leadership: top reported pay $0 · 8 people listed
  • Consistency: 21 of 22 current checks pass · 1 finding to review
  • Schedules: 4 filed schedules · includes grants
  • Grant readiness: Federal tax and exclusion status, award history, and grant-maker relationships.

Key Signals

Signals prioritize questions for review. They are not findings of misconduct.

Grant-readiness screening is separate from the live rating, not a measure of program quality. Review the source records before making a grant decision.

  • Moderate — Transparency & Controls: Schedule A contributions reconciliation did not reconcile in the filed values.
  • Review — Sustainability: Total-asset coverage ratio scored 53/100.
  • Moderate — Sustainability: Liabilities to assets ratio scored 39/100.
  • High — Grant Readiness: Automatic revocation: this organization had its federal tax-exempt status automatically revoked.