Civic Intelligence

Delaware Financial Literacy Institute

EIN 51-0411299 • 501(c)3 • Claymont, DE

Profile

To help individuals, especially those of low and moderate income, develop the financial skills and tools to become self-sufficient and enjoy financial well-being over time.

3301 Green StreetClaymont, DE 19703

www.dfli.org

Siviq Scores

Precomputed percentiles relative to similar nonprofits. These scores are descriptive rather than judgmental.

Liabilities / Assets

85th percentile

0.27x

Higher debt load relative to assets than 85% of similar nonprofits.

501(c)3 • <$500k nonprofits • Source year 2018

Liabilities / Revenue

78th percentile

0.04x

Higher debt load relative to revenue than 78% of similar nonprofits.

501(c)3 • <$500k nonprofits • Source year 2018

Net Margin

20th percentile

-28%

Higher net margin than 20% of similar nonprofits.

501(c)3 • <$500k nonprofits • Source year 2018

Top Officer Pay

98th percentile

$97,185

Higher top officer pay than 98% of similar nonprofits.

Top officer pay equals 25.8% of source-year revenue.

501(c)3 • <$500k nonprofits • Source year 2017

Asset Growth

16th percentile

-65%

Faster asset growth than 16% of similar nonprofits.

501(c)3 • <$500k nonprofits • Annualized from 2017 to 2018

Revenue Growth

56th percentile

2.5%

Faster revenue growth than 56% of similar nonprofits.

501(c)3 • <$500k nonprofits • Annualized from 2017 to 2018

Balance Sheet
Liabilities / Assets85th percentile

Assets

Down

$64,330

Down $122,037 (-65%) from 2017

Liabilities

Down

$17,252

Down $11,251 (-39%) from 2017

Net Assets

Down

$47,078

Down $110,786 (-70%) from 2017

Operations
Liabilities / Revenue78th percentileNet Margin20th percentile

Revenue

Up

$386,229

Up $9,392 (+2.5%) from 2017

Expenses

Down

$495,563

Down $29,439 (-5.6%) from 2017

Net Income

Up

-$109,334

Up $38,831 (+26%) from 2017

Trend Graphs

Balance Sheet Trend

Asset Growth16th percentile

Grouped bars show assets, liabilities, and net assets across loaded filings.

$1.5M$1.0M$500K$0Assets 2010: $639,083Liabilities 2010: $10,893Net Assets 2010: $628,1902010Assets 2011: $1,166,279Liabilities 2011: $44,794Net Assets 2011: $1,121,4852011Assets 2012: $977,442Liabilities 2012: $31,037Net Assets 2012: $946,4052012Assets 2013: $885,315Liabilities 2013: $19,550Net Assets 2013: $865,7652013Assets 2014: $885,259Liabilities 2014: $107,507Net Assets 2014: $777,7522014Assets 2015: $613,381Liabilities 2015: $24,163Net Assets 2015: $589,2182015Assets 2016: $321,509Liabilities 2016: $13,966Net Assets 2016: $307,5432016Assets 2017: $186,367Liabilities 2017: $28,503Net Assets 2017: $157,8642017Assets 2018: $64,330Liabilities 2018: $17,252Net Assets 2018: $47,0782018

Highlighted filing

2018

Assets$64,330
Liabilities$17,252
Net Assets$47,078
Open 2018 Filing

Operations Trend

Revenue Growth56th percentile

Revenue, expenses, and net income by year, with the latest filing highlighted.

$1.0M$500K$0-$500KExpenses 2010: $512,2042010Expenses 2011: $508,8762011Expenses 2012: $693,1422012Revenue 2013: $562,767Expenses 2013: $636,509Net Income 2013: -$73,7422013Revenue 2014: $582,153Expenses 2014: $659,168Net Income 2014: -$77,0152014Revenue 2015: $446,103Expenses 2015: $636,617Net Income 2015: -$190,5142015Revenue 2016: $279,826Expenses 2016: $560,493Net Income 2016: -$280,6672016Revenue 2017: $376,837Expenses 2017: $525,002Net Income 2017: -$148,1652017Revenue 2018: $386,229Expenses 2018: $495,563Net Income 2018: -$109,3342018

Highlighted filing

2018

Revenue$386,229
Expenses$495,563
Net Income-$109,334
Open 2018 Filing

Filings

Most recent year

2018 • Form 990Summary only. Only limited summary data is available for this year.

Open filing
Assets
$64,330
Liabilities
$17,252
Net assets
$47,078
Revenue
$386,229
Expenses
$495,563
Net income
-$109,334
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2018Summary only. Only limited summary data is available for this year.$0.06$0.02$0.05$0.39$0.50$0.11
2017Detailed filing. Detailed filing data is available for this year.$0.19$0.03$0.16$0.38$0.53$0.15
2016Detailed filing. Detailed filing data is available for this year.$0.32$0.01$0.31$0.28$0.56$0.28
2015Detailed filing. Detailed filing data is available for this year.$0.61$0.02$0.59$0.45$0.64$0.19
2014Detailed filing. Detailed filing data is available for this year.$0.89$0.11$0.78$0.58$0.66$0.08
2013Detailed filing. Detailed filing data is available for this year.$0.89$0.02$0.87$0.56$0.64$0.07
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$0.98$0.03$0.95$0.69
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$1.17$0.04$1.12$0.51
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$0.64$0.01$0.63$0.51
Latest Detailed Filing

The latest 2018 filing currently has summary financial data only. Showing the latest detailed filing from 2017 below.

Jump To
Filing Snapshot
Filing Period
Jan 1, 2017 to Dec 31, 2017
Signed
Nov 7, 2018
Return Version
2017v2.3
Gross Receipts
$487,060
Mission and Program Overview

Mission

To help individuals, especially those of low and moderate income, develop the financial skills and tools to become self-sufficient and enjoy financial well-being over time.

Promote financial literacy education

Balance Sheet Detail
LineBeginningEndChange
Assets
Savings and Temporary Cash Investments$308,201$176,285▼ $131,916
Land, Buildings, and Equipment, Net$8,779$6,728▼ $2,051
Pledges and Grants Receivable$3,600$3,040▼ $560
Total Assets$321,509$186,367▼ $135,142
Other Assets Total$929$314▼ $615
Liabilities
Accounts Payable and Accrued Expenses$13,966$28,503▲ $14,537
Total Liabilities$13,966$28,503▲ $14,537
Net Assets / Fund Balance
Temporarily Rstr Net Assets$266,614$196,274▼ $70,340
Unrestricted Net Assets$40,929$-38,410▼ $79,339
Total Net Assets Fund Balance$307,543$157,864▼ $149,679
Total Liabilities and Net Assets / Fund Balance$321,509$186,367▼ $135,142

Asset Categories

AssetBook ValueDepreciationBasis
Equipment$6,728$111,969$118,697
Compensation and Service Providers
Top Officer Pay98th percentile

Employees

NameTitleFull / Part TimeBaseTotal
Ronni K CohenExecutive DirectorFT$97,185$97,185

Board Members and Trustees

NameTitle
Joel SchillerPresident
Terri KeeneVice President
Annie NormanDirector
Brandy NaumanDirector
Denita ThomasDirector
Gus CheathamDirector
JOHN O'CONNORDirector
KEVIN O'DAYDirector
Kamysha MartinDirector
Lillie CrawfordDirector
Lynette Khalfani-coxDirector
Mark ParsellsDirector
Rod HausmannDirector
Scott BaconDirector
Stephen BriggsDirector
Whitney SweeneyDirector
YVETTE O'DONNELLDirector
Jack MarkellFounder
Yvonne SavilleSecretary
Renee RobertsTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$360,325
Program Service Revenue
$7,291
Investment Income
$1,252
Other Revenue
$7,969
All Other Contributions
$289,212
Change in Net Assets
$-148,165

Audited Revenue Reconciliation

Revenue per Audited Statements
$376,837
Revenue Not Reported on Financial Statements
$0
Revenue Not Reported on Form 990
$59,892
Total Revenue per Audited Statements
$436,729
Total Revenue per Form 990
$376,837
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$263,767
Other Expenses$261,235
Total Fundraising Expense$28,063
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Fees for Services Other$113,604$20,649$5,838$140,091
Other Salaries and Wages$100,338$22,465$9,382$132,185
Comp Disqual Persons$73,771$16,517$6,897$97,185
Occupancy$28,970$2,995$1,789$33,754
Conferences and Meetings$25,756$1,444$80$27,280
Office Expenses$22,277$2,042-$24,319
Payroll Taxes$13,802$4,322$1,265$19,389
Other Employee Benefits-$15,008-$15,008
Advertising$9,460$567$2,150$12,177
Information Technology$6,616$4,809-$11,425
Insurance-$6,205-$6,205
Depreciation Depletion$1,597$356$98$2,051
Other Expenses$450$198$7$450
Travel$136$28-$164
Total Functional Expenses$397,699$99,240$28,063$525,002

Audited Expense Reconciliation

Line ItemAmount
Total Expenses per Audited Statements$586,408
Expenses per Audited Statements$525,002
Total Expenses per Form 990$525,002
Expenses Not Reported on Form 990$61,406
Expenses Not Reported on Financial Statements$0
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
No
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
No
Conflict-of-interest policy
Yes
Audited financial statements prepared
No
Key decisions subject to board approval
No
Management duties delegated
No

Governance Explanations

Form 990, Part VI, Section B, Line 11B

“The 990 is reviewed by the board president prior to filing.”

Form 990, Part VI, Section B, Line 12C

“The board of directors reviews conflict of interest disclosures annually and board members affirm there are none.”

Form 990, Part VI, Section B, Line 15A

“Compensation is determined and approved by the board of directors based on comparative data from other not for profits of similar size as delaware financial literacy institute.”

Form 990, Part VI, Section C, Line 19

“All governing and organizational documents are made available upon request.”

Filing and Contact Details

Filer

Filer Name
Delaware Financial Literacy Institute
EIN
51-0411299
Phone
3027921200
Address
3301 GREEN STREET, CLAYMONT, DE 19703

Signing Officer

Name
Joel Schiller
Title
President
Phone
3027921200
Signed
2018-11-07
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Ronni Cohen
Formed
2001
Legal Domicile
De
Voting Board Members
19
Independent Board Members
19
Employees
9
Volunteers
75

Preparer

Firm
Albero Kupferman & Associates LLC
Address
1701 SHALLCROSS AVE STE D, WILMINGTON, DE 19806
Preparer
Michael a Albero CPA Mst
Phone
3022307171
Supplemental Narrative

Additional Explanations

Form 990, Part IX, Line 11G

“Professional fees: program service expenses 113,604. Management and general expenses 20,649. Fundraising expenses 5,838. Total expenses 140,091.”

Financial Statement Notes

PART X, LINE 2:

“Dfli accounts for the effect of any uncertain tax positions based on a "more likely than not" threshold to the recognition of the tax positions being sustained based on the technical merits of the position under scrutiny by the applicable taxing authority. Dfli recognizes accrued interest and penalties associated with uncertain tax positions, if any, as a component of operating expenses. Dfli did not have any income tax uncertainties that were considered greater than remote.”

Raw XML AppendixShowing 400 of 546 raw XML fields

This appendix keeps the raw XML leaves available for debugging and edge-case review. The human report above is the primary experience.

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IRS990/Form990PartVIISectionAGrp/TitleTxt1VICE PRESIDENT
IRS990/Form990PartVIISectionAGrp/TitleTxt2SECRETARY
IRS990/Form990PartVIISectionAGrp/TitleTxt3TREASURER
IRS990/Form990PartVIISectionAGrp/TitleTxt4DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt5DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt6DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt7DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt8DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt9DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt10DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt11DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt12DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt13DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt14DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt15DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt16DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt17DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt18DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt19EXECUTIVE DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt20FOUNDER
IRS990/Form990ProvidedToGvrnBodyInd00
IRS990/FormationYr02001
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IRS990/FSAuditedInd01
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IRS990/GrantToRelatedPersonInd00
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IRS990/GrossReceiptsAmt0487060
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IRS990/IndoorTanningServicesInd00
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IRS990/MissionDesc0TO HELP INDIVIDUALS, ESPECIALLY THOSE OF LOW AND MODERATE INCOME, DEVELOP THE FINANCIAL SKILLS AND TOOLS TO BECOME SELF-SUFFICIENT AND ENJOY FINANCIAL WELL-BEING OVER TIME.
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IRS990/MoreThan5000KToOrgInd00
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IRS990/OtherExpensesGrp/Desc0DUES AND SUBSCRIPTIONS
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IRS990/OtherRevenueMiscGrp/BusinessCd0541900
IRS990/OtherRevenueMiscGrp/Desc0OTHER INCOME
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IRS990/PartialLiquidationInd00
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IRS990/PrincipalOfficerNm0RONNI COHEN
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IRS990/ProgramServiceRevenueGrp/Desc0MICRO BUSINESS INCUBAT
IRS990/ProgramServiceRevenueGrp/Desc1MONEY SCHOOL INCOME
IRS990/ProgramServiceRevenueGrp/Desc2PURSES TO PORTFOLIOS I
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt04750
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt11600
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt2941
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt04750
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt11600
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt2941
IRS990/ProgSrvcAccomActy2Grp/Desc0MICRO BUSINESS INCUBATOR - A MIXED-USE INCUBATOR THAT WILL HOUSE AND PROVIDE RESOURCES FOR STARTUP AND EMERGING BUSINESSES.
IRS990/ProgSrvcAccomActy2Grp/ExpenseAmt0134346
IRS990/ProgSrvcAccomActy2Grp/RevenueAmt04750
IRS990/ProgSrvcAccomActy3Grp/Desc0PURSES TO PORTFOLIOS - A PROGRAM TO HELP WOMEN BETTER UNDERSTAND HOW TO MANAGE THEIR MONEY. THE PROGRAM PROVIDES ONGOING FINANCIAL EDUCATION AND THERE IS AN ANNUAL CELEBRATION EVENT AND AN ANNUAL "GIRLS NIGHT OUT" EVENT.
IRS990/ProgSrvcAccomActy3Grp/ExpenseAmt035315
IRS990/ProgSrvcAccomActy3Grp/RevenueAmt0941
IRS990/ProgSrvcAccomActyOtherGrp/Desc0BANK AT SCHOOL - PROGRAM DEVELOPS ETHIC OF SAVING BY BRINGING "BANKING" TO 3 - 8 GRADE STUDENTS AT 80 SCHOOLS. BANKS COME INTO SCHOOLS WEEKLY TO ACCEPT DEPOSITS.
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IRS990/PYOtherExpensesAmt0241833
IRS990/PYOtherRevenueAmt02032
IRS990/PYProgramServiceRevenueAmt09984
IRS990/PYRevenuesLessExpensesAmt0-280667
IRS990/PYSalariesCompEmpBnftPaidAmt0318660
IRS990/PYTotalExpensesAmt0560493
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt0279826
IRS990/QuidProQuoContributionsInd00
IRS990/ReconcilationRevenueExpnssAmt0-148165
IRS990/RegularMonitoringEnfrcInd01
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IRS990/ReportLandBuildingEquipmentInd01
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IRS990/ReportOtherLiabilitiesInd00
IRS990/ReportProgramRelatedInvstInd00
IRS990/RevenueAmt01600
IRS990/SavingsAndTempCashInvstGrp/BOYAmt0308201
IRS990/SavingsAndTempCashInvstGrp/EOYAmt0176285
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearAmt0206731
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IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearMinus3YearsAmt0150858
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IRS990ScheduleA/GrossInvestmentIncome170Grp/CurrentTaxYearMinus4YearsAmt015622

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