Civic Intelligence

Delaware Financial Education Alliance Inc

990 • Fiscal year 2019 • EIN 22-2549908

Jun 01, 2018 to May 31, 2019 • Filed on Sep 23, 2019

Organization ProfileWWW.DEBANKERS.COM
PO 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

68th percentile

0.14x

Higher debt load relative to assets than 68% of similar nonprofits.

2019 filings • 501(c)3 • $500k-$1M nonprofits • Source year 2019

Liabilities / Revenue

64th percentile

0.08x

Higher debt load relative to revenue than 64% of similar nonprofits.

2019 filings • 501(c)3 • $500k-$1M nonprofits • Source year 2019

Net Margin

72nd percentile

15%

Higher net margin than 72% of similar nonprofits.

2019 filings • 501(c)3 • $500k-$1M nonprofits • Source year 2019

Top Officer Pay

98th percentile

$344,911

Higher top officer pay than 98% of similar nonprofits.

Top officer pay equals 43.4% of source-year revenue.

2019 filings • 501(c)3 • $500k-$1M nonprofits • Source year 2019

Asset Growth

89th percentile

54%

Faster asset growth than 89% of similar nonprofits.

2019 filings • 501(c)3 • $500k-$1M nonprofits • Annualized from 2018 to 2019

Revenue Growth

55th percentile

6.3%

Faster revenue growth than 55% of similar nonprofits.

2019 filings • 501(c)3 • $500k-$1M nonprofits • Annualized from 2018 to 2019

Balance Sheet
Liabilities / Assets68th percentile

Assets

Up

$472,155

Up $165,206 (+54%) from 2018

Net Assets

Up

$407,428

Up $122,994 (+43%) from 2018

Liabilities

Up

$64,727

Up $42,212 (+187%) from 2018

Revenue And Expenses
Liabilities / Revenue64th percentileNet Margin72nd percentile

Revenue

Up

$794,037

Up $47,055 (+6.3%) from 2018

Expenses

Down

$671,043

Down $46,068 (-6.4%) from 2018

Net Income

Up

$122,994

Up $93,123 (+312%) from 2018

Historical Trend

Balance Sheet Trend

Asset Growth89th 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

2019

Assets$472,155
Liabilities$64,727
Net Assets$407,428
Open 2019 Filing

Operations Trend

Revenue Growth55th 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

2019

Revenue$794,037
Expenses$671,043
Net Income$122,994
Open 2019 Filing
Jump To
Filing Snapshot
Filing Period
Jun 1, 2018 to May 31, 2019
Signed
Sep 23, 2019
Return Version
2018v3.1
Gross Receipts
$794,037
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$194,591$262,810▲ $68,219
Cash and Non-Interest-Bearing Accounts$86,390$162,906▲ $76,516
Prepaid Expenses and Deferred Charges$13,746$25,046▲ $11,300
Accounts Receivable$9,983$20,178▲ $10,195
Inventories for Sale or Use$2,239$1,215▼ $1,024
Total Assets$306,949$472,155▲ $165,206
Liabilities
Deferred Revenue-$52,735-
Accounts Payable and Accrued Expenses$22,515$11,992▼ $10,523
Total Liabilities$22,515$64,727▲ $42,212
Net Assets / Fund Balance
Unrestricted Net Assets$243,254$343,685▲ $100,431
Temporarily Rstr Net Assets$41,180$63,743▲ $22,563
Total Net Assets Fund Balance$284,434$407,428▲ $122,994
Total Liabilities and Net Assets / Fund Balance$306,949$472,155▲ $165,206

Asset Categories

AssetBook ValueDepreciationBasis
Equipment-$6,254$6,254
Compensation and Service Providers
Top Officer Pay98th percentile

Employees

NameTitleFull / Part TimeOtherTotal
Sarah a LongPresident, CPT$344,911$344,911
Margaret E CreganVP, MembershPT$104,384$104,384

Board Members and Trustees

NameTitle
Cynthia Dm BrownChairman
Elizabeth D AlbanoChairman Ele
Sarah a LongPresident, CEO, Trea
Bruce H ColbournDirector
Dominic C CanusoDirector
Eric G HoernerDirector
Joe WestcottDirector
Larry DrexlerDirector
Leslie G GillinDirector
Lisa P KirkwoodDirector
Nicholas P LambrowDirector
Thomas M ForrestDirector
Donna G MitchellDirector-at-
James J RoszkowskiDirector-at-
Revenue and Support

Revenue Composition

Contributions and Grants
$239,380
Program Service Revenue
$550,843
Investment Income
$3,814
Other Revenue
$0
All Other Contributions
$179,380
Change in Net Assets
$122,994
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$526,043
Grants and Similar Amounts Paid$145,000
Professional Fundraising Fees$0
Salaries, Compensation, and Employee Benefits$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Fees for Services Management$199,901$22,211-$222,112
Grants to Domestic Orgs$145,000--$145,000
Conferences and Meetings$105,860--$105,860
Office Expenses$2,097$17,309-$19,406
Fees for Services Accounting$7,003$10,506-$17,509
Occupancy$3,092$12,954-$16,046
Information Technology$612$2,447-$3,059
All Other Expenses$1,257$1,761-$3,018
Other Expenses$2,228$246-$2,474
Total Functional Expenses$602,860$68,183$0$671,043
International Activity

Grant and Assistance Recipients

RecipientLocationCategoryPurposeAmount
University of DelawareNewark, DE-Trust Minor Course$145,000
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 management 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
PO BOX 494, DOVER, DE 19903

Signing Officer

Name
Sarah a Long
Title
President, CEO, Trea
Phone
3026788600
Signed
2019-09-23
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
13

Preparer

Firm
Jefferson Urian Doane & Sterner Pa
Address
107 WOLF CREEK BLVD STE 1, DOVER, DE 19901
Preparer
Stacey E Mcnatt
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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IRS990/PrincipalOfficerNm0SARAH A LONG
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IRS990ScheduleA/GrossReceiptsAdmissionsGrp/CurrentTaxYearAmt0550843
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IRS990ScheduleA/GrossReceiptsAdmissionsGrp/CurrentTaxYearMinus3YearsAmt0465272
IRS990ScheduleA/GrossReceiptsAdmissionsGrp/CurrentTaxYearMinus4YearsAmt0375484
IRS990ScheduleA/GrossReceiptsAdmissionsGrp/TotalAmt02349101
IRS990ScheduleA/GrossReceiptsRltdActivitiesAmt02349101
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IRS990ScheduleA/InvestmentIncomePYPct00.00000
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IRS990ScheduleA/SubstAndDsqlfyPrsnsTotGrp/TotalAmt0655046
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IRS990ScheduleI/GrantRecordsMaintainedInd0true
IRS990ScheduleI/RecipientTable/CashGrantAmt0145000
IRS990ScheduleI/RecipientTable/PurposeOfGrantTxt0TRUST MINOR COURSE
IRS990ScheduleI/RecipientTable/RecipientBusinessName/BusinessNameLine1Txt0UNIVERSITY OF DELAWARE
IRS990ScheduleI/RecipientTable/RecipientEIN0516000297
IRS990ScheduleI/RecipientTable/USAddress/AddressLine1Txt024 E MAIN STREET
IRS990ScheduleI/RecipientTable/USAddress/CityNm0NEWARK
IRS990ScheduleI/RecipientTable/USAddress/StateAbbreviationCd0DE
IRS990ScheduleI/RecipientTable/USAddress/ZIPCd019716
IRS990ScheduleI/SupplementalInformationDetail/ExplanationTxt0THE ORGANIZATION RECEIVES STATUS REPORT ON AN ANNUAL BASIS, TO INCLUDE INFORMATION REGARDING THE PROGRESS OF THE TRUST AND WEALTH MANAGEMENT PROGRAM MILESTONES AND AN ACCOUNTING AS TO THE USE OF THE FUNDS.
IRS990ScheduleI/SupplementalInformationDetail/FormAndLineReferenceDesc0SCHEDULE I, PAGE 1, PART I, LINE 2
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IRS990ScheduleJ/BoardOrCommitteeApprovalInd0X

Document Assets

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Filings

Displayed year

2019 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$472,155
Liabilities
$64,727
Net assets
$407,428
Revenue
$794,037
Expenses
$671,043
Net income
$122,994
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
2019Detailed filing. Detailed filing data is available for this year.$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

Similar nonprofits based on the same Siviq industry and scale cohort. 2019 filings • 501(c)3 • $500k-$1M nonprofits