Civic Intelligence

Bank Board Small Savers CDC Inc

990 • Fiscal year 2015 • EIN 52-1473769

Jul 01, 2014 to Jun 30, 2015 • Filed on Oct 26, 2015

Organization ProfileSMALLSAVERS.ORG

View Organization Page

1700 G Street NWWashington, DC 20552

(202) 906-6312

Siviq Scores

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

Liabilities / Assets

22nd percentile

0.01x

Higher debt load relative to assets than 22% of similar nonprofits.

2015 filings • 501(c)3 • $1M-$5M nonprofits • Source year 2015

Liabilities / Revenue

15th percentile

0.00x

Higher debt load relative to revenue than 15% of similar nonprofits.

2015 filings • 501(c)3 • $1M-$5M nonprofits • Source year 2015

Net Margin

25th percentile

-6.5%

Higher net margin than 25% of similar nonprofits.

2015 filings • 501(c)3 • $1M-$5M nonprofits • Source year 2015

Top Officer Pay

66th percentile

$93,892

Higher top officer pay than 66% of similar nonprofits.

Top officer pay equals 8.9% of source-year revenue.

2015 filings • 501(c)3 • $1M-$5M nonprofits • Source year 2015

Asset Growth

3rd percentile

-36%

Faster asset growth than 3% of similar nonprofits.

2015 filings • 501(c)3 • $1M-$5M nonprofits • Annualized from 2014 to 2015

Revenue Growth

35th percentile

-2.0%

Faster revenue growth than 35% of similar nonprofits.

2015 filings • 501(c)3 • $1M-$5M nonprofits • Annualized from 2014 to 2015

Balance Sheet
Liabilities / Assets22nd percentile

Assets

Down

$143,640

Down $81,507 (-36%) from 2014

Net Assets

Down

$142,726

Down $68,476 (-32%) from 2014

Liabilities

Down

$914

Down $13,031 (-93%) from 2014

Revenue And Expenses
Liabilities / Revenue15th percentileNet Margin25th percentile

Revenue

Down

$1,059,816

Down $22,095 (-2.0%) from 2014

Expenses

Up

$1,128,292

Up $42,778 (+3.9%) from 2014

Net Income

Down

-$68,476

Down $64,873 (-1801%) from 2014

Historical Trend

Balance Sheet Trend

Asset Growth3rd percentile

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

$2.0M$1.5M$1.0M$500K$0Assets 2010: $190,569Liabilities 2010: $81,067Net Assets 2010: $109,5022010Assets 2011: $207,995Liabilities 2011: $77,745Net Assets 2011: $130,2502011Assets 2012: $242,167Liabilities 2012: $82,369Net Assets 2012: $159,7982012Assets 2013: $290,493Liabilities 2013: $75,688Net Assets 2013: $214,8052013Assets 2014: $225,147Liabilities 2014: $13,945Net Assets 2014: $211,2022014Assets 2015: $143,640Liabilities 2015: $914Net Assets 2015: $142,7262015Assets 2016: $590,112Liabilities 2016: $64,096Net Assets 2016: $526,0162016Assets 2018: $208,519Liabilities 2018: $26,471Net Assets 2018: $182,0482018Assets 2019: $223,885Liabilities 2019: $165,305Net Assets 2019: $58,5802019Assets 2020: $407,504Liabilities 2020: $279,349Net Assets 2020: $128,1552020Assets 2021: $500,073Liabilities 2021: $201,833Net Assets 2021: $298,2402021Assets 2022: $633,986Liabilities 2022: $10,656Net Assets 2022: $623,3302022Assets 2023: $866,742Liabilities 2023: $720Net Assets 2023: $866,0222023Assets 2024: $1,349,407Liabilities 2024: $121Net Assets 2024: $1,349,2862024Assets 2025: $1,527,395Liabilities 2025: $6,445Net Assets 2025: $1,520,9502025

Highlighted filing

2015

Assets$143,640
Liabilities$914
Net Assets$142,726
Open 2015 Filing

Operations Trend

Revenue Growth35th percentile

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

$2.0M$1.0M$0-$1.0MExpenses 2010: $1,039,6612010Expenses 2011: $1,069,7652011Expenses 2012: $1,061,9302012Expenses 2013: $1,089,5672013Revenue 2014: $1,081,911Expenses 2014: $1,085,514Net Income 2014: -$3,6032014Revenue 2015: $1,059,816Expenses 2015: $1,128,292Net Income 2015: -$68,4762015Revenue 2016: $1,539,586Expenses 2016: $1,089,777Net Income 2016: $449,8092016Revenue 2018: $950,459Expenses 2018: $1,110,691Net Income 2018: -$160,2322018Revenue 2019: $1,185,656Expenses 2019: $1,173,622Net Income 2019: $12,0342019Revenue 2020: $1,097,264Expenses 2020: $1,163,191Net Income 2020: -$65,9272020Revenue 2021: $1,004,162Expenses 2021: $834,077Net Income 2021: $170,0852021Revenue 2022: $1,293,707Expenses 2022: $968,617Net Income 2022: $325,0902022Revenue 2023: $1,316,304Expenses 2023: $1,073,612Net Income 2023: $242,6922023Revenue 2024: $1,879,705Expenses 2024: $1,396,441Net Income 2024: $483,2642024Revenue 2025: $1,697,060Expenses 2025: $1,525,396Net Income 2025: $171,6642025

Highlighted filing

2015

Revenue$1,059,816
Expenses$1,128,292
Net Income-$68,476
Open 2015 Filing
Jump To
Filing Snapshot
Filing Period
Jul 1, 2014 to Jun 30, 2015
Signed
Oct 26, 2015
Return Version
2014v5.0
Gross Receipts
$1,059,816
Mission and Program Overview

Mission

Childcare services

Balance Sheet Detail
LineBeginningEndChange
Assets
Cash and Non-Interest-Bearing Accounts$113,001$80,059▼ $32,942
Savings and Temporary Cash Investments$112,146$63,581▼ $48,565
Total Assets$225,147$143,640▼ $81,507
Liabilities
Other Liabilities$13,945$914▼ $13,031
Total Liabilities$13,945$914▼ $13,031
Net Assets / Fund Balance
Unrestricted Net Assets$211,202$142,726▼ $68,476
Total Net Assets Fund Balance$211,202$142,726▼ $68,476
Total Liabilities and Net Assets / Fund Balance$225,147$143,640▼ $81,507

Asset Categories

AssetBook ValueDepreciationBasis
Equipment-$38,644$38,644
Compensation and Service Providers
Top Officer Pay66th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Carolyn MackeyExecutive DirectorFT$73,379$20,513$93,892

Board Members and Trustees

NameTitle
Jean Healey-DippoldPresident
Melissa KeppelVice President
Jeff CampioneMember
Jen HowardMember
Matthew AdinolfiMember
Jennie MasseySecretary
Bill PiervincenziTresurer
Revenue and Support

Revenue Composition

Contributions and Grants
$168,950
Program Service Revenue
$889,663
Investment Income
$634
Other Revenue
$569
All Other Contributions
$168,950
Change in Net Assets
$-68,476
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$997,395
Other Expenses$120,634
Grants and Similar Amounts Paid$10,263
Total Fundraising Expense$2,132
Professional Fundraising Fees$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages$666,662$17,094-$683,756
Other Employee Benefits$125,624$18,580$396$144,600
Current Officers, Directors, Trustees, and Key Employees$14,676$57,235$1,468$73,379
Payroll Taxes$52,968$5,875$117$58,960
Insurance$42,993$3,508-$46,501
Pension Plan Contributions$29,922$6,627$151$36,700
Grants to Domestic Individuals$10,263--$10,263
Other Expenses$54,558$5,242-$5,242
All Other Expenses$889$2,452-$3,341
Fees for Service Investment Mgmnt Fees-$2,653-$2,653
Office Expenses-$2,601-$2,601
Fees for Services Accounting-$1,250-$1,250
Fees for Services Other-$1,104-$1,104
Fees for Services Legal-$1,076-$1,076
Total Functional Expenses$1,000,805$125,355$2,132$1,128,292
Fundraising, Events, and Gaming
Fundraising activities
No
Gaming activities
No
Professional fundraiser used
No

Fundraising and Gaming Totals

Line ItemAmount
Fundraising Gross Income$569
Professional Fundraising Fees$0
Political and Lobbying Activity
Political campaign activity
No
Lobbying activity
No
Subject to proxy tax
No
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Parent deposits$914
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
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
No
Audited financial statements prepared
No
Key decisions subject to board approval
No
Management duties delegated
No

Governance Explanations

Members or stockholder classes and rights Part VI line 6

“The organization has members”

Member election for additional members Part VI line 7A

“Members elect the governing board.”

Form 990 governing body review Part VI line 11

“Form 990 is reviewed by the Treasurer and Executive Director before filing.”

CEO executive director top management comp Part VI line 15A

“Compensation committee reviews salaries annually and makes recommendation to the Board.”

Governing documents etc available to public Part VI line 19

“Documents are available upon request.”

Filing and Contact Details

Filer

Filer Name
Bank Board Small Savers CDC Inc
EIN
52-1473769
Address
1700 G Street NW, Washington, DC 20552

Signing Officer

Name
Matthew Adinolfi
Title
Treasurer
Phone
2029066312
Signed
2015-10-26
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Carolyn Mackey
Formed
1986
Legal Domicile
Dc
Voting Board Members
7
Independent Board Members
7
Employees
20
Volunteers
30

Preparer

Firm
Bechanan & Company LLC
Address
22226 Creekview Drive, Gaithersburg, MD 20882
Preparer
Nancy Bechanan
Phone
3018693747
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IRS990ScheduleA/GrossReceiptsAdmissionsGrp/CurrentTaxYearAmt0889663
IRS990ScheduleA/GrossReceiptsAdmissionsGrp/CurrentTaxYearMinus1YearAmt01062413
IRS990ScheduleA/GrossReceiptsAdmissionsGrp/CurrentTaxYearMinus2YearsAmt01131720
IRS990ScheduleA/GrossReceiptsAdmissionsGrp/CurrentTaxYearMinus3YearsAmt01080714
IRS990ScheduleA/GrossReceiptsAdmissionsGrp/CurrentTaxYearMinus4YearsAmt01080833
IRS990ScheduleA/GrossReceiptsAdmissionsGrp/TotalAmt05245343
IRS990ScheduleA/InvestmentIncomeAndUBTIGrp/CurrentTaxYearAmt0634
IRS990ScheduleA/InvestmentIncomeAndUBTIGrp/CurrentTaxYearMinus1YearAmt05667
IRS990ScheduleA/InvestmentIncomeAndUBTIGrp/CurrentTaxYearMinus2YearsAmt0521
IRS990ScheduleA/InvestmentIncomeAndUBTIGrp/CurrentTaxYearMinus3YearsAmt0618
IRS990ScheduleA/InvestmentIncomeAndUBTIGrp/CurrentTaxYearMinus4YearsAmt0220
IRS990ScheduleA/InvestmentIncomeAndUBTIGrp/TotalAmt07660
IRS990ScheduleA/InvestmentIncomeCYPct00.00000
IRS990ScheduleA/InvestmentIncomePYPct00.00130
IRS990ScheduleA/PubliclySupportedOrg509a2Ind0X
IRS990ScheduleA/PublicSupportCY509Pct00.99860
IRS990ScheduleA/PublicSupportPY509Pct00.99870
IRS990ScheduleA/PublicSupportTotal509Amt05455728
IRS990ScheduleA/ThirtyThrPctSuprtTestsCY509Ind0X
IRS990ScheduleA/Total509Grp/CurrentTaxYearAmt01058613
IRS990ScheduleA/Total509Grp/CurrentTaxYearMinus1YearAmt01076244
IRS990ScheduleA/Total509Grp/CurrentTaxYearMinus2YearsAmt01140515
IRS990ScheduleA/Total509Grp/CurrentTaxYearMinus3YearsAmt01090204
IRS990ScheduleA/Total509Grp/CurrentTaxYearMinus4YearsAmt01090152
IRS990ScheduleA/Total509Grp/TotalAmt05455728
IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearAmt01059247
IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearMinus1YearAmt01081911
IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearMinus2YearsAmt01141036
IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearMinus3YearsAmt01090822
IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearMinus4YearsAmt01090372
IRS990ScheduleA/TotalSupportCalendarYearGrp/TotalAmt05463388
IRS990ScheduleB/ContributorInformationGrp/ContributorBusinessName/BusinessNameLine10RESTRICTED
IRS990ScheduleB/ContributorInformationGrp/ContributorNum0RESTRICTED
IRS990ScheduleB/ContributorInformationGrp/ContributorUSAddress/AddressLine10RESTRICTED
IRS990ScheduleB/ContributorInformationGrp/ContributorUSAddress/AddressLine20RESTRICTED
IRS990ScheduleB/ContributorInformationGrp/ContributorUSAddress/City0RESTRICTED
IRS990ScheduleB/ContributorInformationGrp/ContributorUSAddress/State0RESTRICTED
IRS990ScheduleB/ContributorInformationGrp/ContributorUSAddress/ZIPCode0RESTRICTED
IRS990ScheduleB/ContributorInformationGrp/TotalContributionsAmt0RESTRICTED
IRS990/ScheduleBRequiredInd0true
IRS990ScheduleD/EquipmentGrp/DepreciationAmt038644
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt038644
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt0914
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0Parent deposits
IRS990ScheduleD/TotalLiabilityAmt0914
IRS990ScheduleI/GrantRecordsMaintainedInd0true
IRS990ScheduleI/GrantsOtherAsstToIndivInUSGrp/CashGrantAmt010263
IRS990ScheduleI/GrantsOtherAsstToIndivInUSGrp/GrantTypeTxt0Program scholarships
IRS990ScheduleI/GrantsOtherAsstToIndivInUSGrp/RecipientCnt01
IRS990ScheduleI/GrantsOtherAsstToIndivInUSGrp/ValuationMethodUsedDesc0Program cost
IRS990ScheduleI/SupplementalInformationDetail/ExplanationTxt0Scholarships were awarded to families based on need.
IRS990ScheduleI/SupplementalInformationDetail/FormAndLineReferenceDesc0Monitoring procedures (Part I, line 2)
IRS990/ScheduleJRequiredInd0false
IRS990/ScheduleORequiredInd0true
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0The organization has members
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1Members elect the governing board.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2Form 990 is reviewed by the Treasurer and Executive Director before filing.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3Compensation committee reviews salaries annually and makes recommendation to the Board.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4Documents are available upon request.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Members or stockholder classes and rights Part VI line 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Member election for additional members Part VI line 7a
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2Form 990 governing body review Part VI line 11
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3CEO executive director top management comp Part VI line 15a
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4Governing documents etc available to public Part VI line 19
IRS990/SchoolOperatingInd0false
IRS990/SignificantChangeInd0false
IRS990/SignificantNewProgramSrvcInd0false
IRS990/SubjectToProxyTaxInd0false
IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TempOrPermanentEndowmentsInd0false
IRS990/TerminateOperationsInd0false
IRS990/TotalAssetsBOYAmt0225147
IRS990/TotalAssetsEOYAmt0143640
IRS990/TotalAssetsGrp/BOYAmt0225147
IRS990/TotalAssetsGrp/EOYAmt0143640
IRS990/TotalCompGreaterThan150KInd0false
IRS990/TotalContributionsAmt0168950
IRS990/TotalEmployeeCnt020
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt02132
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt0125355
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt01000805
IRS990/TotalFunctionalExpensesGrp/TotalAmt01128292
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt013945
IRS990/TotalLiabilitiesEOYAmt0914
IRS990/TotalLiabilitiesGrp/BOYAmt013945
IRS990/TotalLiabilitiesGrp/EOYAmt0914
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt0211202
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt0142726
IRS990/TotalOtherCompensationAmt020513
IRS990/TotalProgramServiceExpensesAmt01000805
IRS990/TotalProgramServiceRevenueAmt0889663
IRS990/TotalReportableCompFromOrgAmt073379
IRS990/TotalRevenueGrp/ExclusionAmt0569
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt0890297
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt01059816
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/TotalVolunteersCnt030
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt0225147
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt0143640
IRS990/TotReportableCompRltdOrgAmt00
IRS990/TransactionWithControlEntInd0false
IRS990/TrnsfrExmptNonChrtblRltdOrgInd0false
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd0false
IRS990/UnrestrictedNetAssetsGrp/BOYAmt0211202
IRS990/UnrestrictedNetAssetsGrp/EOYAmt0142726
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt01700 G Street NW
IRS990/USAddress/CityNm0Washington
IRS990/USAddress/StateAbbreviationCd0DC
IRS990/USAddress/ZIPCd020552
IRS990/VotingMembersGoverningBodyCnt07
IRS990/VotingMembersIndependentCnt07
IRS990/WhistleblowerPolicyInd0false
ReturnHeader/BuildTS02016-02-25 16:41:14Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0Matthew Adinolfi
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0Treasurer
ReturnHeader/BusinessOfficerGrp/PhoneNum02029066312
ReturnHeader/BusinessOfficerGrp/SignatureDt02015-10-26
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0Bank Board Small Savers CDC Inc
ReturnHeader/Filer/BusinessNameControlTxt0BANK
ReturnHeader/Filer/EIN0521473769
ReturnHeader/Filer/USAddress/AddressLine1Txt01700 G Street NW
ReturnHeader/Filer/USAddress/CityNm0Washington
ReturnHeader/Filer/USAddress/StateAbbreviationCd0DC
ReturnHeader/Filer/USAddress/ZIPCd020552

Document Assets

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Filings

Displayed year

2015 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$143,640
Liabilities
$914
Net assets
$142,726
Revenue
$1,059,816
Expenses
$1,128,292
Net income
-$68,476
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2025Detailed filing. Detailed filing data is available for this year.$1.53$0.01$1.52$1.70$1.53$0.17
2024Detailed filing. Detailed filing data is available for this year.$1.35$0.00$1.35$1.88$1.40$0.48
2023Detailed filing. Detailed filing data is available for this year.$0.87$0.00$0.87$1.32$1.07$0.24
2022Detailed filing. Detailed filing data is available for this year.$0.63$0.01$0.62$1.29$0.97$0.33
2021Detailed filing. Detailed filing data is available for this year.$0.50$0.20$0.30$1.00$0.83$0.17
2020Detailed filing. Detailed filing data is available for this year.$0.41$0.28$0.13$1.10$1.16$0.07
2019Detailed filing. Detailed filing data is available for this year.$0.22$0.17$0.06$1.19$1.17$0.01
2018Detailed filing. Detailed filing data is available for this year.$0.21$0.03$0.18$0.95$1.11$0.16
2016Detailed filing. Detailed filing data is available for this year.$0.59$0.06$0.53$1.54$1.09$0.45
2015Detailed filing. Detailed filing data is available for this year.$0.14$0.00$0.14$1.06$1.13$0.07
2014Detailed filing. Detailed filing data is available for this year.$0.23$0.01$0.21$1.08$1.09$0.00
2013Facts available. Structured filing facts are available, but richer extracted sections are limited.$0.29$0.08$0.21$1.09
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$0.24$0.08$0.16$1.06
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$0.21$0.08$0.13$1.07
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$0.19$0.08$0.11$1.04