CAPITAL AREA ASSET BUILDING CORPORATION

EIN: 522002672 501(c)(3) Community Improvement

WASHINGTON, DC

Total Revenue
$2,179,542
Total Expenses
$3,444,356
Total Assets
$3,474,274
Net Assets
$1,082,050
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Financial Trends

Organization Details

Formation Year
1996
Legal Domicile
DC
Principal Officer
KATHRYN STEPHENS
Phone
2024191440
Tax Period
2024-01-01 to 2024-12-31

CAPITAL AREA ASSET BUILDING CORPORATION, founded in 1996, is a community nonprofit in the Community Improvement sector that reported $2.2M in total revenue in fiscal year 2024. Revenue fell 27% from the prior year — a significant decline worth monitoring. Expenses of $3.4M exceeded revenue, resulting in a 58% operating deficit.

Mission

TO CREATE OPPORTUNITIES FOR LOW- AND MODERATE-INCOME INDIVIDUALS IN THE GREATER DC REGION TO BUILD FINANCIAL SECURITY, SAVINGS, AND WEALTH FOR THE FUTURE.

Program Service Accomplishments

Program 1
Expenses: $1,697,434

SAVINGS PROGRAMS - CAAB ENCOURAGES PEOPLE TO SAVE MONEY THROUGH ITS SAVINGS PROGRAMS. THESE PROGRAMS ARE OFFERED TO ELIGIBLE PARTICIPANTS WHO MEET PROGRAM GUIDELINES. THE PROGRAM IS A WAY FOR...

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SAVINGS PROGRAMS - CAAB ENCOURAGES PEOPLE TO SAVE MONEY THROUGH ITS SAVINGS PROGRAMS. THESE PROGRAMS ARE OFFERED TO ELIGIBLE PARTICIPANTS WHO MEET PROGRAM GUIDELINES. THE PROGRAM IS A WAY FOR INDIVIDUALS TO SAVE MONEY AND INVEST IN THEIR FUTURE OR THE FUTURE OF THEIR FAMILY AND YOUTH. USE OF FUNDS CAN BE FOR HOME PURCHASE, SMALL BUSINESS, EDUCATION, AND CHILDREN SAVINGS ACCOUNTS AS WELL AS MEDICAL AND BURIAL EXPENSES.

Program 2
Expenses: $4,957 Revenue: $145,492

FINANCIAL EDUCATION - CAAB PROVIDES CREDIT COUNSELING SESSIONS, AND SPONSORS SEMINARS AND WORKSHOPS ON A WIDE RANGE OF FINANCIAL TOPICS SUCH AS: SETTING FINANCIAL GOALS, DEVELOPING AND MANAGING A...

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FINANCIAL EDUCATION - CAAB PROVIDES CREDIT COUNSELING SESSIONS, AND SPONSORS SEMINARS AND WORKSHOPS ON A WIDE RANGE OF FINANCIAL TOPICS SUCH AS: SETTING FINANCIAL GOALS, DEVELOPING AND MANAGING A SPENDING PLAN, CHOOSING FINANCIAL PRODUCTS AND SERVICES, UNDERSTANDING CREDIT, MANAGING DEBT, SAVING FOR COLLEGE, UNDERSTANDING THE BASICS OF INVESTING, AND SAVING FOR RETIREMENT. CAAB REQUIRES THAT IDA ENROLLEES COMPLETE THE MONEY MANAGEMENT 101 CURRICULUM BEFORE MATRICULATING INTO THE MATCHED SAVINGS PROGRAM. CAAB BELIEVES THIS WILL INCREASE SAVINGS PARTICIPATION AND RENTENTION RATES, AS WELL AS BETTER INFORM SAVERS ON THE USAGE OF THEIR ASSETS.

Program 3
Expenses: $280,705

EITC - THE DC EARNED INCOME TAX CREDIT (EITC) CAMPAIGN RECRUITS AND TRAINS HUNDREDS OF VOLUNTEERS TO PREPARE TAX RETURNS, PROVIDE SAVINGS AND FINANCIAL EDUCATION INFORMATION, AND EDUCATE LOW-WAGE...

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EITC - THE DC EARNED INCOME TAX CREDIT (EITC) CAMPAIGN RECRUITS AND TRAINS HUNDREDS OF VOLUNTEERS TO PREPARE TAX RETURNS, PROVIDE SAVINGS AND FINANCIAL EDUCATION INFORMATION, AND EDUCATE LOW-WAGE WORKERS DURING THE TAX SEASON. MANY LOW-INCOME FAMILIES RECEIVE FREE TAX FILING ASSISTANCE AT DC CAMPAIGN TAX SITES, ENABLING THEM TO ACCESS TAX REFUNDS RESULTING FROM TAX CREDITS FOR LOWER INCOME WORKERS.

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

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Financial Overview (2024)

Revenue Breakdown

Contributions & Grants $1,967,144
Program Service Revenue $145,492
Investment Income $66,906
Other Revenue $0
TOTAL REVENUE $2,179,542

Expense Breakdown

Grants Paid $458,202
Salaries & Benefits $1,560,420
Fundraising Expenses $20,567
Program Expenses $1,983,096
Other Expenses $1,425,734
TOTAL EXPENSES $3,444,356

Year-over-Year Comparison

2024 2023 Change
Revenue $2,179,542 $3,000,582 -0.3%
Expenses $3,444,356 $3,764,655 -0.1%
Net Income $-1,264,814 $-764,073 +0.7%
Key Indicators
Grants to Organizations Grants to Individuals Lobbying Political Activity Foreign Activities Donor Advised Fund Schedule B Required
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Governance

Voting Members
10
Independent Members
10
Employees
17
Volunteers
10

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
5
$273,223
Total Directors
10
$0
Key Employees
0
$0
Highest Compensated
1
reported
Name Title Hours/Week Role Reportable Comp Other Comp Total
JOSEPH LEITMANN-SANTA CRUZ EXECUTIVE DIRECTOR THROUGH JUNE 2024 40.00
Officer
$131,627 $49,096 $180,723
KATHRYN STEPHENS INTERIM EXECUTIVE DIRECTOR FROM JULY 2024 40.00
Officer
$92,500 $0 $92,500
NICOLE JONES DIRECTOR OF MATCH SAVINGS 40.00
Highest
$108,762 $2,348 $111,110
JOSEPH VAUGHAN PRESIDENT 4.00
Officer Director
$0 $0 $0
GAIL REISMAN SECRETARY 4.00
Officer Director
$0 $0 $0
WILLIAM SPINNELL TREASURER 4.00
Officer Director
$0 $0 $0
GABRIEL LAZARUS DIRECTOR 1.00
Director
$0 $0 $0
SHEIDA ELMI DIRECTOR 1.00
Director
$0 $0 $0
MICHELLE LEVISTER DIRECTOR 1.00
Director
$0 $0 $0
SHAE HARRIS DIRECTOR 1.00
Director
$0 $0 $0
PAUL HARRIS JR DIRECTOR 1.00
Director
$0 $0 $0
RYAN PALMER DIRECTOR 1.00
Director
$0 $0 $0
WAYNE CHOPUS DIRECTOR 1.00
Director
$0 $0 $0
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
2024 $2,179,542 $3,444,356 $3,474,274 $-1,264,814
2023 $3,000,582 $3,764,655 $19,254,357 $-764,073
2022 $3,549,789 $2,597,779 $9,210,791 $952,010
2021 $2,444,972 $1,910,549 $6,254,812 $534,423
2020 $3,577,464 $2,657,517 $3,584,279 $919,947
2019 $2,562,824 $2,162,872 $2,260,592 $399,952
2018 $2,355,562 $2,549,321 $1,601,918 $-193,759
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