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REFORMED BENEFITS ASSOCIATION

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Public IRS 990 nonprofit record

REFORMED BENEFITS ASSOCIATION

EIN 46-2975745 · Single Organization Support (E11)

What they do

Reformed Benefits Association (RBA) is A Not-for-profit Corporation Whose Purpose is for The Provision, Management, and Administration of Health and Welfare Benefit Plans for The Ministers, Lay Employees, and Retirees of The Christian Reformed Church In North America (CRCNA), and The Reformed Church In America (RCA), Their Agencies and Participating Churches, and Other Assemblies On A Joint Basis. Benefits Are Also Offered to Ministers and Lay Employees Within The Alliance of Reformed Churches (ARC), A Denomination Comprised of Former RCA Churches.

Before you give

Should I give to this charity?

Easy charity check
Look at where the money went

Of every $100 spent, about $95.00 was reported for mission work. Use the spending picture below and ask what results that work produced.

Plain answer: A tax form cannot prove that a charity is doing good. It can show how the charity says it spent its money—and point out questions you should ask.

Basic facts we verified

IRS warning checkNo IRS revocation warning appears in this data.

Money report from 2024The charity has a recent tax report to read.

They explain their jobThe charity tells us what it is trying to do.

They name their leaders9 people are listed in the latest report.

You can reach themThey list contact information, so you can ask questions.

Money made simple

103.02%of revenue went to mission work95.0% of expenses · Program services
$108.46spent for every $100 of revenueSpending was higher than revenue this year.
5.44%of revenue went to management and office costs5.0% of expenses
$0.63in assets for every $1 spent this yearSome assets cannot be spent right away.

Ask these three easy questions

  1. Who did you help? Ask for a recent story or report that shows real results.
  2. What will my money do? Ask exactly what your gift will pay for.
  3. Is this really the charity? Give only through its official website or confirmed phone number.

Worth asking: Expenses exceeded revenue by $1,100,190 this year. Ask whether that was planned or caused by a one-time event.

Pay context: The highest compensation shown in this filing is $140,325 for NICOLE HUTTENGA (DIRECTOR). Compare pay with organizations of similar size and complexity.

Bottom line: Do not decide from a name, mission statement, or tax status alone. Look at where the money went, then ask what changed, who was helped, and what your gift will do. YouCanGiveBack does not endorse or grade organizations.

Money

Financial picture

Tax year 2024

A plain-language look at the latest Form 990 figures available. These numbers help you ask better questions; they do not, by themselves, rate whether a charity is good or bad.

How each $100 of revenue was used

The large number compares each expense with revenue. The smaller number shows its share of total expenses.

Total reported revenue$13,001,702
Mission workProgram services$13,394,551103.02% of revenue95.0% of expenses
ManagementOffice and general costs$707,3415.44% of revenue5.0% of expenses
FundraisingAsking for donations0.00% of revenue0.0% of expenses
Total expenses$14,101,892108.46% of revenue

Expenses were greater than revenue, so the colored ring fills the available $100 and the total above 100% is shown below.

Has the pattern changed?

Colored bars = expense mix: how each year’s expenses were divided. Total expenses vs. revenue shows whether the charity spent less or more than it received. The current filing is first.

YearExpense mixDetails
2024CurrentExpense mix: 95.0% mission · 5.0% management · 0.0% fundraisingTotal expenses: 108.46% of revenue
2023Expense mix: 94.6% mission · 5.4% management · 0.0% fundraisingTotal expenses: 97.99% of revenue
2022Expense mix: 96.5% mission · 3.5% management · 0.0% fundraisingTotal expenses: 100.67% of revenue
2021Expense mix: 96.0% mission · 4.0% management · 0.0% fundraisingTotal expenses: 95.36% of revenue
2020Expense mix: 96.2% mission · 3.8% management · 0.0% fundraisingTotal expenses: 95.71% of revenue
2019Expense mix: 95.6% mission · 4.4% management · 0.0% fundraisingTotal expenses: 76.41% of revenue
2018Expense mix: 96.3% mission · 3.7% management · 0.0% fundraisingTotal expenses: 98.69% of revenue
2017Expense mix: 96.5% mission · 3.5% management · 0.0% fundraisingTotal expenses: 103.03% of revenue

Money in and money out

Revenue$13,001,702
Expenses$14,101,892
Annual shortfall $1,100,190 Expenses were higher than revenue for this filing year.

Reported spending amounts

Mission work means the Form 990 category called program services. These are reported accounting categories—not an independent measurement of results.

Mission work (program services)$13,394,551 · 95.0% of expenses
Management and office costs$707,341 · 5.0% of expenses
See all reported dollar amounts
Revenue$13,001,702
Expenses$14,101,892
Assets$8,883,361
Income$13,020,384
Mission work (program services)$13,394,551
Management and general$707,341
Executive compensation (total)$118,497
Stocks and bonds$1,283,270
Accounting fees$142,740
Investing fees$5,424
People

Leadership and board

Tax year 2024

Names, titles, time, and compensation below are reported by the organization on its Form 990.

People reported as paid

Person and titleCompensation
NICOLE HUTTENGADIRECTOR · 40 hrs/week $140,325Base $106,644 · Other $33,681
CAROL KOPPENAALBOARD MEMBER · 4 hrs/week $51,444Base · Other $51,444

Compensation alone does not tell whether pay is reasonable. Consider the charity’s size, work, location, and results.

See everyone listed on the board or leadership roster (9)

NICOLE HUTTENGADIRECTOR

CAROL KOPPENAALBOARD MEMBER

CORA TAITTBOARD MEMBER

DOUG STRUYKBOARD TREASURER

ERVIN ANDERSONBOARD MEMBER

JOEL VANDE WERKENBOARD MEMBER

KAREN WALKERBOARD MEMBER

KELLY OLIVEIRABOARD MEMBER

TREVOR DETERSBOARD PRESIDENT

About this charity

Recognized since
January 2014
Location
4500 60th Street SE, Grand Rapids, MI 49512
County
Kent
In care of
Nicole Huttenga
Primary officer
Nicole Huttenga, Director

How to reach them

Filing and classification

Latest tax year
2024
Tax period began
January 1, 2024
Return type
990
NTEE classification
Single Organization Support (E11)
IRS tax category
Single Organization Support

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About this report: Information comes from public nonprofit records and may show the latest filing available.

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