3RD DECADE INC

EIN: 842298062 501(c)(3) Human Services

TUCSON, AZ

Total Revenue
$1,343,823
Total Expenses
$1,574,990
Total Assets
$655,496
Net Assets
$609,042
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Financial Vulnerability Assessment (Tuckman-Chang)

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Financial Trends

Organization Details

Formation Year
2019
Legal Domicile
DE
Principal Officer
JEFF LOCKE
Phone
5202024095
Tax Period
2025-01-01 to 2025-12-31

3RD DECADE INC, founded in 2019, is a community nonprofit in the Human Services sector that reported $1.3M in total revenue in fiscal year 2025. Revenue surged 23% from the prior year, signaling strong growth momentum. Expenses of $1.6M exceeded revenue, resulting in a 17% operating deficit.

Mission

CHANGING FINANCIAL FUTURES FOREVER STARTING NOW. 3RD DECADE IS AN AWARD-WINNING PROGRAM PROVIDING FINANCIAL EDUCATION AND MENTORSHIP TO YOUNG ADULTS AGES 18-40, WITH A FOCUS ON LOW TO MODERATE-INCOME INDIVIDUALS.

Program Service Accomplishments

Program 1
Expenses: $1,141,433 Revenue: $0

3RD DECADE IS A NATIONAL NONPROFIT ORGANIZATION DEDICATED TO EMPOWERING INDIVIDUALS TO ACHIEVE FINANCIAL STABILITY AND INDEPENDENCE. OUR COMPREHENSIVE PROGRAM FOCUSES ON BEHAVIORAL CHANGE, LONG-TERM...

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3RD DECADE IS A NATIONAL NONPROFIT ORGANIZATION DEDICATED TO EMPOWERING INDIVIDUALS TO ACHIEVE FINANCIAL STABILITY AND INDEPENDENCE. OUR COMPREHENSIVE PROGRAM FOCUSES ON BEHAVIORAL CHANGE, LONG-TERM FINANCIAL GOAL SETTING, AND EQUIPPING PARTICIPANTS WITH THE NECESSARY KNOWLEDGE AND TOOLS TO ACHIEVE A SECURE FINANCIAL FUTURE. WITH A GROWING TEAM AND 315 VOLUNTEERS, 3RD DECADE SERVES PARTICIPANTS THROUGH A TWO-PART PROGRAM OFFERED QUARTERLY. THE PROGRAM CONSISTS OF: FINANCIAL EDUCATION: A TEN-HOUR CURRICULUM DELIVERED THROUGH LIVE OR ON-DEMAND CLASSES COVERING ESSENTIAL FINANCIAL CONCEPTS. MENTORSHIP: TWO-YEAR ONE-ON-ONE GUIDANCE FROM A FINANCIAL MENTOR TO CREATE AND IMPLEMENT PERSONALIZED FINANCIAL PLANS. FINANCIAL JUMPSTART: TO ENCOURAGE LONG-TERM SAVINGS, 3RD DECADE CONTRIBUTES $250 TO PARTICIPANTS' ROTH IRAS. MENTORS FROM ACROSS THE COUNTRY DONATE THEIR TIME, EXPERTISE, AND PASSION TO GUIDE PARTICIPANTS ON THEIR FINANCIAL JOURNEYS.KEY IMPACTS:- PARTICIPANTS FROM 48 STATES PARTICIPATED IN THE 3RD DECADE PROGRAM- 912 NEW PARTICIPANTS ONBOARDED IN 2025 - 1,875 NUMBER OF INDIVIDUALS SERVED IN 2025, INCLUDING NEWLY ONBOARDED- 1,583 ALUMNI GRADUATED FROM THE FULL 2-YEAR MENTORING PROGRAM- AVERAGE AGE OF PARTICIPANTS: 29- 72.2% FEMALE PARTICIPANTS- 21% MALE PARTICIPANTS- 4.2% NON-BINARY-1% TRANGENDER- 1.7% PREFER NOT TO ANSWER- AVERAGE NET WORTH CHANGE OVER 2 YEARS: $68,792-MEDIAN CHANGE IN NET WORTH $52,264- AVERAGE GROSS INCOME: $44,1213RD DECADE OFFERS BOTH IN-PERSON AND VIRTUAL FINANCIAL EDUCATION WORKSHOPS TAILORED FOR BUSINESSES, SCHOOLS, NON-PROFITS, AND OTHER COMMUNITY ORGANIZATIONS. THESE WORKSHOPS ARE DESIGNED TO PROVIDE PARTICIPANTS WITH PRACTICAL KNOWLEDGE AND SKILLS IN PERSONAL FINANCE, INCLUDING BUDGETING, SAVING, CREDIT MANAGEMENT, INVESTING, AND RETIREMENT PLANNING. OUR SESSIONS AIM TO EMPOWER INDIVIDUALS TO MAKE INFORMED FINANCIAL DECISIONS, BUILD LONG-TERM FINANCIAL STABILITY, AND DEVELOP CONFIDENCE IN MANAGING THEIR MONEY. WORKSHOPS ARE CUSTOMIZED TO MEET THE NEEDS OF DIVERSE AUDIENCES, WITH CONTENT APPROPRIATE FOR DIFFERENT AGE GROUPS AND PROFESSIONAL BACKGROUNDS. THROUGH THESE WORKSHOPS, 3RD DECADE ADVANCES ITS MISSION OF IMPROVING FINANCIAL LITERACY AND FOSTERING ECONOMIC EMPOWERMENT IN THE COMMUNITIES WE SERVE. KEY IMPACTS:-24 ENGLISH WORKSHOPS-4 SPANISH WORKSHOPS-SERVED 343 PARTICIPANTS -AVERAGE AGED SERVED 36

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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%)

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Financial Overview (2025)

Revenue Breakdown

Contributions & Grants $1,327,398
Program Service Revenue $0
Investment Income $11,353
Other Revenue $5,072
TOTAL REVENUE $1,343,823

Expense Breakdown

Grants Paid $108,251
Salaries & Benefits $910,994
Fundraising Expenses $139,182
Program Expenses $1,141,433
Other Expenses $544,495
TOTAL EXPENSES $1,574,990

Year-over-Year Comparison

2025 2024 Change
Revenue $1,343,823 $1,094,332 +0.2%
Expenses $1,574,990 $1,311,669 +0.2%
Net Income $-231,167 $-217,337 +0.1%
Key Indicators
Grants to Organizations Grants to Individuals Lobbying Political Activity Foreign Activities Donor Advised Fund Schedule B Required
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Liquidity & Cash Position

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Governance

Voting Members
10
Independent Members
10
Employees
14
Volunteers
315

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
4
$172,500
Total Directors
10
$0
Key Employees
0
$0
Highest Compensated
0
reported
Name Title Hours/Week Role Reportable Comp Other Comp Total
JOE'MAR HOOPER CHIEF EXECUTIVE OFFICER 40.00
Officer
$138,163 $34,337 $172,500
JEFF LOCKE PRESIDENT 1.00
Officer Director
$0 $0 $0
MAURICIO CORTES TREASURER 0.30
Officer Director
$0 $0 $0
ASHLEY ILARDO SECRETARY 0.30
Officer Director
$0 $0 $0
DESIREE CUNNINGHAM DIRECTOR 0.30
Director
$0 $0 $0
NICKOLAS MINARD DIRECTOR 0.30
Director
$0 $0 $0
TJ MITCHELL DIRECTOR 0.30
Director
$0 $0 $0
MARIA MAHANY DIRECTOR 0.30
Director
$0 $0 $0
ROBERT SWIFT DIRECTOR 1.00
Director
$0 $0 $0
SHERRI TROMBLY DIRECTOR 0.30
Director
$0 $0 $0
NATHALIA UNTIVEROS DIRECTOR 0.30
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
2025 $1,343,823 $1,574,990 $655,496 $-231,167
2024 $1,094,332 $1,311,669 $938,812 $-217,337
2023 $1,256,169 $1,521,968 $1,119,101 $-265,799
2022 $1,002,101 $1,084,554 $253,999 $-82,453
2021 $974,738 $885,705 $335,356 $89,033
2020 $912,547 $1,006,517 $254,405 $-93,970
2019 $334,423 $80 $334,343 $334,343
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