DELAWARE FINANCIAL EDUCATION ALLIANCE INC (EIN 222549908) - Form 990 Financial Analysis & Trantor Score

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Financial Vulnerability Assessment (Tuckman-Chang)

4 risk indicators measuring financial stability and operational resilience

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Financial Trends

Organization Details

Formation Year

1983

Legal Domicile

Principal Officer

SARAH A LONG

Phone

3026740200

Tax Period

2023-06-01 to 2024-05-31

DELAWARE FINANCIAL EDUCATION ALLIANCE INC, founded in 1983, is a small nonprofit in the Public & Societal Benefit sector that reported $643K in total revenue in fiscal year 2023. The organization ran a surplus of $116K, a strong 18% operating margin.

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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Trantor Score

Financial Health Score (300–850) · Liquidity · Solvency · Sustainability · Efficiency

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Liquidity (40%) • Solvency (30%) • Sustainability (20%) • Efficiency (10%)

Financial Overview (2023)

Revenue Breakdown

Contributions & Grants $56,300

Program Service Revenue $547,000

Investment Income $40,124

Other Revenue $0

TOTAL REVENUE $643,424

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $461,311

Other Expenses $527,605

TOTAL EXPENSES $527,605

Year-over-Year Comparison

	2023	2022	Change
Revenue	$643,424	$674,551	0.0%
Expenses	$527,605	$495,104	+0.1%
Net Income	$115,819	$179,447	-0.4%

Key Indicators

✗ Grants to Organizations ✗ Grants to Individuals ✗ Lobbying ✗ Political Activity ✗ Foreign Activities ✗ Donor Advised Fund ✓ Schedule B Required

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Financial Health Indicators

Comprehensive financial analysis: Altman Z-Score, liquidity, solvency, sustainability, efficiency, and growth metrics

Financial Distress Indicator

Liquidity & Cash Position

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Altman Z-Score • Liquidity Ratios • Solvency Analysis • Growth Indicators • Efficiency Metrics

Governance

Voting Members

Independent Members

Employees

N/A

Volunteers

N/A

Governance Policies

✓ Conflict of Interest Policy

✓ Whistleblower Policy

✓ Document Retention Policy

Special Practices & Reported Activities

✗ Operated a School

✗ Operated a Hospital

✗ Provided First Class Travel

✗ Reported Conflict of Interest

✗ Reported Asset Diversion

✗ Excess Benefit Transaction

✗ Made Political Expenditures

✗ Engaged in Lobbying

✗ Operated Donor Advised Fund

✗ Maintained Art Collections

✗ Filed Form 720

Compensation of Officers, Directors & Key Employees

Total Officers

$563,012

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
TARRIE MILLER	CHAIR	0.50	Officer Director	$0	$0	$0
MATTHEW PARKS	CHAIR-ELECT	0.50	Officer Director	$0	$0	$0
DIANA CLIFT	DIRECTOR - AT - LARGE	0.50	Officer Director	$0	$0	$0
CAROLINE H DICKERSON	DIRECTOR - AT - LARGE	0.50	Officer Director	$0	$0	$0
NICOLAS JAFARIEH	DIRECTOR - AT - LARGE	0.50	Officer Director	$0	$0	$0
ISABEL R ARAUJO	DIRECTOR	0.50	Director	$0	$0	$0
MIKE DAMERON	DIRECTOR	0.50	Director	$0	$0	$0
CHRISTINE DAVIS	DIRECTOR	0.50	Director	$0	$0	$0
JASON GAUGHAN	DIRECTOR	0.50	Director	$0	$0	$0
JENNIFER GOLEK	DIRECTOR	0.50	Director	$0	$0	$0
GEORGE KERN	DIRECTOR	0.50	Director	$0	$0	$0
BILL LAFOND	DIRECTOR	0.50	Director	$0	$0	$0
DON MELL	DIRECTOR	0.50	Director	$0	$0	$0
GREG MIRAGLIA	DIRECTOR	0.50	Director	$0	$0	$0
JOEL SCHILLER	DIRECTOR	0.50	Director	$0	$0	$0
KATIE WILKINSON	DIRECTOR	0.50	Director	$0	$0	$0
SARAH A LONG	PRESIDENT, CEO & TREASURER	14.00	Officer	$0	$0	$335,724
MARGARET E CREGAN	VP, MEMBERSHIP & ADMINISTR	8.00	Officer	$0	$0	$115,745
GREGORY KOSELUK	VP MKTG & PUBLIC RELATIONS	26.00	Officer	$0	$0	$111,543

Note: Compensation data is self-reported by the organization on their Form 990. "Reportable Comp" includes salary, bonuses, and other reportable compensation from the organization and related organizations. "Other Comp" includes benefits, deferred compensation, and non-taxable benefits.

Historical Data

Year	Revenue	Expenses	Assets	Net Income
2025	No data	No data	No data	No data
2024	$643,424	$527,605	$856,264	$115,819
2023	$674,551	$495,104	$761,556	$179,447
2022	$568,013	$480,591	$619,519	$87,422
2021	$493,366	$493,041	$584,994	$325
2020	$688,652	$632,925	$608,641	$55,727
2019	$794,037	$671,043	$472,155	$122,994

DELAWARE FINANCIAL EDUCATION ALLIANCE INC