Pearl Lowrie Student Loan Fund U W
501(c)(3) Donations tax-deductible
Only null% goes to programs Strong reserves Declining revenue
Pearl Lowrie Student Loan Fund U W is a 501(c)(3) organization based in Hannibal, Missouri, registered in 1980, with $19,288 in FY2024 revenue. CharityIndex grades it F.
2903 Palmyra Rd, Hannibal, MO, 63401 EIN 43-6029573 Since 1980
Revenue (FY2024)
$19K
▲ 19.9% vs prior year
Expenses (FY2024)
$72K
Net assets
$718K
Employees
—
CharityIndex rating
One independent A+ to F grade from four published criteria, each scored separately from IRS filings and combined by weight.
F
—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 Pearl Lowrie Student Loan Fund U W— this filing type doesn't report it, and the rating simply skips it (never counts it against the organization). See the exact thresholds →
FFinancial health25% of the rating119 mo reserves · -275% 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 Pearl Lowrie Student Loan Fund U W: 119 mo reserves · -275% margin earns a F 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 Pearl Lowrie Student Loan Fund U W— 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 Pearl Lowrie Student Loan Fund U W: 1 of 5 disclosure signals earns a D on this criterion. See the exact thresholds →
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Contact & location
Financial trends
Revenue declined from $23K (FY2013) to $19K (FY2024) across 12 reported years.
Financial snapshot
Financial health & position (FY2024)
Liabilities $0Net assets $718K
Operating margin
-275.1%
Spent more than it raised in the latest fiscal year.
Total assets
$718K
Total liabilities
$0
Net assets
$718K
Financials by year
| Fiscal year | Revenue | Expenses | Net assets | Total assets | Form |
|---|---|---|---|---|---|
| 2024 | $19,288▲19.9% | $72,349▲12.3% | $717,655▲1.3% | $717,655▲1.2% | 990PF |
| 2023 | $16,091▼6.0% | $64,416▼55.1% | $708,216▲1.3% | $709,216 | 990PF |
| 2022 | $17,114▼66.0% | $143,605▲226% | $698,981▼1.2% | $708,981▲0.2% | 990PF |
| 2021 | $50,339▲105% | $44,108▼5.0% | $707,689▲5.4% | $707,689▲5.4% | 990PF |
| 2020 | $24,554▲39.0% | $46,433▼21.3% | $671,333▲3.5% | $671,333▲3.5% | 990PF |
| 2019 | $17,671▼44.0% | $58,970▼17.7% | $648,915▲2.4% | $648,915▲2.4% | 990PF |
| 2018 | $31,574▲62.1% | $71,635▲14.3% | $633,414▲3.9% | $633,414▲3.9% | 990PF |
| 2017 | $19,475▲64.8% | $62,677▼8.5% | $609,850▲3.1% | $609,850▲3.1% | 990PF |
| 2016 | $11,820▼75.8% | $68,463▲22.8% | $591,427▼0.6% | $591,427▼0.6% | 990PF |
| 2015 | $48,930▲135% | $55,763▲6.4% | $595,136▲8.3% | $595,136▲8.3% | 990PF |
| 2014 | $20,814▼10.2% | $52,402▼16.6% | $549,572▲2.5% | $549,572▲2.5% | 990PF |
| 2013 | $23,183 | $62,824▲12.7% | $536,234▲2.0% | $536,234▲2.0% | 990PF |
| 2012 | — | $55,764▲21.3% | $525,775▲2.5% | $525,775▲2.5% | 990PF |
| 2011 | — | $45,984 | $512,825 | $512,825 | 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 Pearl Lowrie Student Loan Fund U W a legitimate nonprofit?
- Yes. Pearl Lowrie Student Loan Fund U W is a 501(c)(3) organization registered with the U.S. Internal Revenue Service under EIN 43-6029573, based in Hannibal, Missouri. Donations are tax-deductible.
- What is Pearl Lowrie Student Loan Fund U W's EIN?
- Pearl Lowrie Student Loan Fund U W's Employer Identification Number (EIN) is 43-6029573.
- How much revenue does Pearl Lowrie Student Loan Fund U W report?
- Pearl Lowrie Student Loan Fund U W reported $19,288 in total revenue on its fiscal year 2024 IRS Form 990 filing.
- What financial grade does Pearl Lowrie Student Loan Fund U W have?
- CharityIndex grades Pearl Lowrie Student Loan Fund U W F, based on financial health (reserves and operating margin).
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Data for Pearl Lowrie Student Loan Fund U W (EIN 43-6029573) 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.