H A Richmond Trust Uw 12-2-0160 Fbo Teachers Relief Bank
501(c)(3) Donations tax-deductible
Only null% goes to programs Strong reserves Declining revenue
H A Richmond Trust Uw 12-2-0160 Fbo Teachers Relief Bank is a 501(c)(3) organization based in Norwich, New York, registered in 1970, with $35,229 in FY2024 revenue. CharityIndex grades it C.
C/o Nbt Bank Na 52 S Broad St, Norwich, NY, 13815 EIN 16-6021261 Since 1970
Revenue (FY2024)
$35K
▲ 33.3% vs prior year
Expenses (FY2024)
$43K
Net assets
$377K
Employees
—
CharityIndex rating
One independent A+ to F grade from four published criteria, each scored separately from IRS filings and combined by weight.
C
—Program efficiency40% of the ratingNo expense breakdown in filings
Measures how much of every dollar spent actually reaches programs, plus what it costs to raise $100 of donations. The worse of the two measures sets the letter (85%+ to programs is an A; under $15 to raise $100 is an A), averaged over the three most recent filings. Not scored for H A Richmond Trust Uw 12-2-0160 Fbo Teachers Relief Bank— this filing type doesn't report it, and the rating simply skips it (never counts it against the organization). See the exact thresholds →
C+Financial health25% of the rating105 mo reserves · -22% margin
Measures whether the organization is built to last: how many months its reserves would cover expenses (3+ months earns an A-range score, but hoarding 5+ years of budget is capped) and whether it runs a surplus or a deficit. For H A Richmond Trust Uw 12-2-0160 Fbo Teachers Relief Bank: 105 mo reserves · -22% margin earns a C+ on this criterion. See the exact thresholds →
—Governance25% of the ratingNot reported in this filing type
Checks how the organization is run, from its own Form 990: an independent board majority, a board of five or more, conflict-of-interest, whistleblower and document-retention policies, and independently audited financials. The share of disclosed checks that pass sets the letter. Not scored for H A Richmond Trust Uw 12-2-0160 Fbo Teachers Relief Bank— this filing type doesn't report it, and the rating simply skips it (never counts it against the organization). See the exact thresholds →
DTransparency10% of the rating1 of 5 disclosure signals
Counts five disclosure signals: a recent filing, a mission statement, program descriptions, a listed website, and the full expense breakdown. More disclosure, better letter. For H A Richmond Trust Uw 12-2-0160 Fbo Teachers Relief Bank: 1 of 5 disclosure signals earns a D on this criterion. See the exact thresholds →
Show this grade on your website
A live seal — it updates automatically when the grade changes and links donors to this verified profile.
Contact & location
Financial trends
Revenue grew from $15K (FY2013) to $35K (FY2024) across 11 reported years.
Financial snapshot
Financial health & position (FY2024)
Liabilities $0Net assets $377K
Operating margin
-21.7%
Spent more than it raised in the latest fiscal year.
Total assets
$377K
Total liabilities
$0
Net assets
$377K
Financials by year
| Fiscal year | Revenue | Expenses | Net assets | Total assets | Form |
|---|---|---|---|---|---|
| 2024 | $35,229▲33.3% | $42,879▲1.9% | $376,758▼2.0% | $376,758▼2.0% | 990PF |
| 2023 | $26,424▲44.1% | $42,060▲42.8% | $384,425▼3.9% | $384,425▼3.9% | 990PF |
| 2022 | $18,332▼61.3% | $29,456▼47.4% | $400,059▼2.7% | $400,059▼2.7% | 990PF |
| 2021 | $47,400▲77.3% | $55,994▲12.5% | $411,262▼2.1% | $411,262▼2.1% | 990PF |
| 2020 | $26,731▲20.1% | $49,759▲85.8% | $419,921▼5.2% | $419,921▼5.2% | 990PF |
| 2019 | $22,263▼39.5% | $26,784▼32.6% | $443,037▼1.0% | $443,037▼1.0% | 990PF |
| 2018 | $36,772▲73.2% | $39,755▲9.3% | $447,512▼0.7% | $447,512▼0.7% | 990PF |
| 2017 | $21,225▲31.9% | $36,373▼8.5% | $450,601▼7.0% | $450,601▼7.0% | 990PF |
| 2015 | $16,086▼45.4% | $39,752▲17.5% | $484,349▼4.6% | $484,349▼4.6% | 990PF |
| 2014 | $29,471▲100% | $33,834▼8.1% | $507,857▼0.9% | $507,857▼0.9% | 990PF |
| 2013 | $14,709 | $36,798▲72.7% | $512,220▼8.1% | $512,220▼8.1% | 990PF |
| 2011 | — | $21,313▲107% | $557,439▼2.6% | $557,439▼2.6% | 990PF |
| 2010 | — | $10,288 | $572,545 | $572,545 | 990PF |
Original Form 990 PDFs (the Form column) are served by ProPublica Nonprofit Explorer, as filed with the IRS. Create a free account to download the CSV report.
Frequently asked questions
- Is H A Richmond Trust Uw 12-2-0160 Fbo Teachers Relief Bank a legitimate nonprofit?
- Yes. H A Richmond Trust Uw 12-2-0160 Fbo Teachers Relief Bank is a 501(c)(3) organization registered with the U.S. Internal Revenue Service under EIN 16-6021261, based in Norwich, New York. Donations are tax-deductible.
- What is H A Richmond Trust Uw 12-2-0160 Fbo Teachers Relief Bank's EIN?
- H A Richmond Trust Uw 12-2-0160 Fbo Teachers Relief Bank's Employer Identification Number (EIN) is 16-6021261.
- How much revenue does H A Richmond Trust Uw 12-2-0160 Fbo Teachers Relief Bank report?
- H A Richmond Trust Uw 12-2-0160 Fbo Teachers Relief Bank reported $35,229 in total revenue on its fiscal year 2024 IRS Form 990 filing.
- What financial grade does H A Richmond Trust Uw 12-2-0160 Fbo Teachers Relief Bank have?
- CharityIndex grades H A Richmond Trust Uw 12-2-0160 Fbo Teachers Relief Bank C, based on financial health (reserves and operating margin).
More nonprofits in Norwich
Explore more
Data for H A Richmond Trust Uw 12-2-0160 Fbo Teachers Relief Bank (EIN 16-6021261) comes from the IRS Business Master File and e-filed Form 990 returns, via CharityIndex. Figures reflect what the organization reported to the IRS for each fiscal year.