Charity Navigator is a free, independent charity evaluator, working to advance a more efficient and responsive philanthropic marketplace by evaluating the financial health of more than 2500 of America's largest charities. Factors considered are: ORGANIZATIONAL EFFICIENCY (Fundraising Efficiency, Fundraising Expenses, Program Expenses, Administration Expenses) and ORGANIZATIONAL CAPACITY (Primary Revenue Growth, Program Expenses Growth, Working Capital Ratio) For example, some United Way agencies rate much higher (4 stars) than others (2 stars). Lower-rated charities spend more donation money on administration, while higher-rated ones spend less.