Civic Intelligence

Delaware Financial Education Alliance Inc

990 • Fiscal year 2016 • EIN 22-2549908

Jun 01, 2015 to May 31, 2016 • Filed on Oct 04, 2016

Organization ProfileWWW.DEBANKERS.COM
P O Box 494Dover, DE 19903

(302) 674-0202

Siviq Scores

Precomputed percentiles for this filing year versus similar nonprofits in the same peer cohort.

Liabilities / Assets

60th percentile

0.09x

Higher debt load relative to assets than 60% of similar nonprofits.

2016 filings • 501(c)3 • $500k-$1M nonprofits • Source year 2016

Liabilities / Revenue

51st percentile

0.04x

Higher debt load relative to revenue than 51% of similar nonprofits.

2016 filings • 501(c)3 • $500k-$1M nonprofits • Source year 2016

Net Margin

48th percentile

2.4%

Higher net margin than 48% of similar nonprofits.

2016 filings • 501(c)3 • $500k-$1M nonprofits • Source year 2016

Top Officer Pay

95th percentile

$174,488

Higher top officer pay than 95% of similar nonprofits.

Top officer pay equals 32.8% of source-year revenue.

2016 filings • 501(c)3 • $500k-$1M nonprofits • Source year 2016

Asset Growth

63rd percentile

6.6%

Faster asset growth than 63% of similar nonprofits.

2016 filings • 501(c)3 • $500k-$1M nonprofits • Annualized from 2015 to 2016

Revenue Growth

77th percentile

23%

Faster revenue growth than 77% of similar nonprofits.

2016 filings • 501(c)3 • $500k-$1M nonprofits • Annualized from 2015 to 2016

Balance Sheet
Liabilities / Assets60th percentile

Assets

Up

$226,707

Up $13,977 (+6.6%) from 2015

Net Assets

Up

$205,697

Up $12,532 (+6.5%) from 2015

Liabilities

Up

$21,010

Up $1,445 (+7.4%) from 2015

Revenue And Expenses
Liabilities / Revenue51st percentileNet Margin48th percentile

Revenue

Up

$532,669

Up $100,268 (+23%) from 2015

Expenses

Up

$520,137

Up $131,901 (+34%) from 2015

Net Income

Down

$12,532

Down $31,633 (-72%) from 2015

Historical Trend

Balance Sheet Trend

Asset Growth63rd percentile

The highlighted filing sits inside the broader history for assets, liabilities, and net assets.

$1.0M$500K$0Assets 2011: $121,677Liabilities 2011: $68,358Net Assets 2011: $53,3192011Assets 2012: $102,229Liabilities 2012: $43,336Net Assets 2012: $58,8932012Assets 2013: $116,675Liabilities 2013: $12,634Net Assets 2013: $104,0412013Assets 2014: $172,305Liabilities 2014: $23,305Net Assets 2014: $149,0002014Assets 2015: $212,730Liabilities 2015: $19,565Net Assets 2015: $193,1652015Assets 2016: $226,707Liabilities 2016: $21,010Net Assets 2016: $205,6972016Assets 2017: $343,981Liabilities 2017: $89,418Net Assets 2017: $254,5632017Assets 2018: $306,949Liabilities 2018: $22,515Net Assets 2018: $284,4342018Assets 2019: $472,155Liabilities 2019: $64,727Net Assets 2019: $407,4282019Assets 2020: $608,641Liabilities 2020: $145,486Net Assets 2020: $463,1552020Assets 2021: $584,994Liabilities 2021: $121,514Net Assets 2021: $463,4802021Assets 2022: $619,519Liabilities 2022: $68,617Net Assets 2022: $550,9022022Assets 2023: $761,556Liabilities 2023: $31,207Net Assets 2023: $730,3492023Assets 2024: $856,264Liabilities 2024: $10,096Net Assets 2024: $846,1682024Assets 2025: $959,116Liabilities 2025: $24,017Net Assets 2025: $935,0992025

Highlighted filing

2016

Assets$226,707
Liabilities$21,010
Net Assets$205,697
Open 2016 Filing

Operations Trend

Revenue Growth77th percentile

Revenue, expenses, and net income across loaded years, with this filing highlighted.

$800K$600K$400K$200K$0Expenses 2011: $549,5462011Expenses 2012: $364,1552012Expenses 2013: $333,4382013Revenue 2014: $362,046Expenses 2014: $317,087Net Income 2014: $44,9592014Revenue 2015: $432,401Expenses 2015: $388,236Net Income 2015: $44,1652015Revenue 2016: $532,669Expenses 2016: $520,137Net Income 2016: $12,5322016Revenue 2017: $753,040Expenses 2017: $704,174Net Income 2017: $48,8662017Revenue 2018: $746,982Expenses 2018: $717,111Net Income 2018: $29,8712018Revenue 2019: $794,037Expenses 2019: $671,043Net Income 2019: $122,9942019Revenue 2020: $688,652Expenses 2020: $632,925Net Income 2020: $55,7272020Revenue 2021: $493,366Expenses 2021: $493,041Net Income 2021: $3252021Revenue 2022: $568,013Expenses 2022: $480,591Net Income 2022: $87,4222022Revenue 2023: $674,551Expenses 2023: $495,104Net Income 2023: $179,4472023Revenue 2024: $643,424Expenses 2024: $527,605Net Income 2024: $115,8192024Revenue 2025: $685,429Expenses 2025: $596,498Net Income 2025: $88,9312025

Highlighted filing

2016

Revenue$532,669
Expenses$520,137
Net Income$12,532
Open 2016 Filing
Jump To
Filing Snapshot
Filing Period
Jun 1, 2015 to May 31, 2016
Signed
Oct 4, 2016
Return Version
2015v2.1
Gross Receipts
$532,669
Mission and Program Overview

Mission

To provide financial literacy training designed for and targeted to persons of low and moderate income in the state of delaware through a variety of educational programs and to provide quality training programs to employees of member banks in the financial services industry in delaware.

Balance Sheet Detail
LineBeginningEndChange
Assets
Savings and Temporary Cash Investments$187,811$157,071▼ $30,740
Cash and Non-Interest-Bearing Accounts$13,337$46,447▲ $33,110
Accounts Receivable$730$14,844▲ $14,114
Prepaid Expenses and Deferred Charges$5,000$6,133▲ $1,133
Inventories for Sale or Use$5,246$2,193▼ $3,053
Land, Buildings, and Equipment, Net$606$19▼ $587
Total Assets$212,730$226,707▲ $13,977
Liabilities
Accounts Payable and Accrued Expenses$12,425$12,560▲ $135
Deferred Revenue$7,140$8,450▲ $1,310
Total Liabilities$19,565$21,010▲ $1,445
Net Assets / Fund Balance
Unrestricted Net Assets$142,759$150,954▲ $8,195
Temporarily Rstr Net Assets$50,406$54,743▲ $4,337
Total Net Assets Fund Balance$193,165$205,697▲ $12,532
Total Liabilities and Net Assets / Fund Balance$212,730$226,707▲ $13,977

Asset Categories

AssetBook ValueDepreciationBasis
Equipment$19$8,017$8,036
Compensation and Service Providers
Top Officer Pay95th percentile

Employees

NameTitleFull / Part TimeOtherTotal
Sarah a LongPresident, CFT$174,488$174,488
David G BakerianPresident, CPT$125,597$125,597

Board Members and Trustees

NameTitle
Rodger LevensonChairman
Mark a GrahamChairman-ele
David E GillanPast Chairma
David G BakerianPresident, CEO, Trea
Sarah a LongPresident, CEO, Trea
Cynthia Dm BrownDirector
David M HargadonDirector
Donna G MitchellDirector
Elizabeth D AlbanoDirector
James J RoszkowskiDirector
John J CoaneDirector
Nicholas M Marsini JrDirector
Thomas M ForrestDirector
William S WallaceDirector
P Randolph TaylorDirector-at-
Revenue and Support

Revenue Composition

Contributions and Grants
$66,137
Program Service Revenue
$465,272
Investment Income
$1,260
Other Revenue
$0
All Other Contributions
$66,137
Change in Net Assets
$12,532
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$512,637
Grants and Similar Amounts Paid$7,500
Professional Fundraising Fees$0
Salaries, Compensation, and Employee Benefits$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Fees for Services Management$225,458$25,051-$250,509
Conferences and Meetings$103,642--$103,642
Occupancy$3,564$14,257-$17,821
Fees for Services Accounting$5,626$8,440-$14,066
Grants to Domestic Individuals$7,500--$7,500
Office Expenses$966$6,501-$7,467
All Other Expenses$1,554$3,449-$5,003
Other Expenses$951$2,850-$3,801
Information Technology$579$2,315-$2,894
Depreciation Depletion-$588-$588
Insurance$66$7-$73
Total Functional Expenses$455,988$64,149$0$520,137
Fundraising, Events, and Gaming
Fundraising activities
No
Gaming activities
No
Professional fundraiser used
No

Fundraising and Gaming Totals

Line ItemAmount
Professional Fundraising Fees$0
Political and Lobbying Activity
Political campaign activity
No
Lobbying activity
No
Subject to proxy tax
No
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
Yes
Annual disclosure for covered persons
Yes
Audit committee
Yes
Backup withholding compliance
Yes
Business relationship with family members
No
Business relationship with organization members
No
Material changes to governing documents
No
Compensation from other sources disclosed
No
CEO compensation reviewed
Yes
Other officer compensation reviewed
Yes
Conflict-of-interest policy
Yes
Audited financial statements prepared
No
Key decisions subject to board approval
No
Management duties delegated
Yes

Governance Explanations

Form 990, Page 6, Part VI, Line 3

“Delaware financial education alliance engages delaware bankers association to provide managment services. Fees paid to delaware bankers association are listed in the supplemental information to this return.”

Form 990, Page 6, Part VI, Line 11B

“The organization's form 990 is distributed electronically to the governing body prior to submission.”

Form 990, Page 6, Part VI, Line 12C

“Per the written conflict of interest policy: the organization's president will monitor proposed or ongoing transactions for conflicts of interest and disclose them to the chairman of the board of directors in order to deal with potential or actual conflicts, whether discovered before or after the transaction has occurred.”

Form 990, Page 6, Part VI, Line 15A

“Delaware financial education alliance does not have compensation expense because they engage delaware bankers association to provide management services. The delaware bankers association's personnel committee uses data from a compensation survey provided by the ohio bankers league.”

Form 990, Page 6, Part VI, Line 15B

“Delaware financial education alliance does not have compensation expense because they engage delaware bankers association to provide management services. The delaware bankers association's personnel committee uses data from a compensation survey provided by the ohio bankers league.”

Form 990, Page 6, Part VI, Line 19

“Documents are available upon request.”

Filing and Contact Details

Filer

Filer Name
Delaware Financial Education
EIN
22-2549908
Phone
3026740202
Address
P O BOX 494, DOVER, DE 19903

Signing Officer

Name
Sarah a Long
Title
President, CEO, Trea
Phone
3026788600
Signed
2016-10-04
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Sarah a Long
Formed
1983
Legal Domicile
De
Voting Board Members
13
Independent Board Members
13
Employees
0
Volunteers
2

Preparer

Firm
Jefferson Urian Doane & Sterner Pa
Address
107 WOLF CREEK BLVD STE 1, DOVER, DE 19901
Preparer
Heidi a Metzger
Phone
3026781425
Supplemental Narrative

Additional Explanations

FORM 990 - ORGANIZATION'S MISSION

“To provide financial literacy training designed for and targeted to persons of low and moderate income in the state of delaware through a variety of educational programs and to provide quality training programs to employees of member banks in the financial services industry in delaware.”

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IRS990ScheduleI/SupplementalInformationDetail/ExplanationTxt0THE ORGANIZATION ACTIVELY SELECTS STUDENTS WHO MEET SPECIFIC ELIGIBILITY CRITERIA.
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Document Assets

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Filings

Displayed year

2016 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$226,707
Liabilities
$21,010
Net assets
$205,697
Revenue
$532,669
Expenses
$520,137
Net income
$12,532
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2025XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$9.59$0.24$9.35$6.85$5.96$0.89
2024Summary only. Only limited summary data is available for this year.$8.56$0.10$8.46$6.43$5.28$1.16
2023Summary only. Only limited summary data is available for this year.$7.62$0.31$7.30$6.75$4.95$1.79
2022Facts available. Structured filing facts are available, but richer extracted sections are limited.$6.20$0.69$5.51$5.68$4.81$0.87
2021XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$5.85$1.22$4.63$4.93$4.93$0.00
2020Summary only. Only limited summary data is available for this year.$6.09$1.45$4.63$6.89$6.33$0.56
2019XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$4.72$0.65$4.07$7.94$6.71$1.23
2018Facts available. Structured filing facts are available, but richer extracted sections are limited.$3.07$0.23$2.84$7.47$7.17$0.30
2017Facts available. Structured filing facts are available, but richer extracted sections are limited.$3.44$0.89$2.55$7.53$7.04$0.49
2016Detailed filing. Detailed filing data is available for this year.$2.27$0.21$2.06$5.33$5.20$0.13
2015Detailed filing. Detailed filing data is available for this year.$2.13$0.20$1.93$4.32$3.88$0.44
2014Detailed filing. Detailed filing data is available for this year.$1.72$0.23$1.49$3.62$3.17$0.45
2013Facts available. Structured filing facts are available, but richer extracted sections are limited.$1.17$0.13$1.04$3.33
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$1.02$0.43$0.59$3.64
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$1.22$0.68$0.53$5.50
Peer Organizations

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