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Arizona · Nonprofit

3RD DECADE INC

3RD DECADE INC (Arizona) receives grants from 18 organizations whose IRS filings report $944,610 to it, the largest being CHARLES SCHWAB FOUNDATION ($300,000). 5 of them have funded it in more than one year.

Revenue FY2025
$1.3M
Funders on record
18
Grants received
$945k
Net assets
$609k
5/18 repeat funderspeak grant-dependency 44%
01What it does

What 3rd Decade Inc does

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.

As stated on its FY2025 Form 990.

Program

  1. 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…

    $1,141,433 spentof which $108,251 as grants
    100% of program spending

The program described on its FY2025 Form 990. Program spending in total: $1,141,433.

02The organization over time

The organization over time

Each line starts at 100 in 2019, so what you read is the shape rather than the size: 150 means half as much again as 2019, 50 means half. The number beside each label in the key is where it ended. The shaded band is where the middle 50% of its peers' revenue would sit, given their growth.

100 = 20192019 Revenue 100 ($334k) Expenses 100 ($80) Net assets 100 ($334k)2020 Revenue 273 ($913k) Expenses 1258146 ($1.0M) Net assets 72 ($240k)2021 Revenue 291 ($975k) Expenses 1107131 ($886k) Net assets 99 ($329k)2022 Revenue 300 ($1.0M) Expenses 1355693 ($1.1M) Net assets 74 ($247k)2023 Revenue 376 ($1.3M) Expenses 1902460 ($1.5M) Net assets 317 ($1.1M)2024 Revenue 327 ($1.1M) Expenses 1639586 ($1.3M) Net assets 252 ($842k)2025 Revenue 402 ($1.3M) Expenses 1968738 ($1.6M) Net assets 182 ($609k)
2019202020212022202320242025
Revenue (402)Expenses (1968738)Net assets (182)Peer revenue range

Balance sheet

Total assets and total liabilities at each year end, in dollars. The largest one-year move in total assets was 2022 to 2023, from $254k to $1.1M (+341%).

$334k
$254k
$335k
$254k
$1.1M
$939k
$655k
2019202020212022202320242025
Total assetsTotal liabilities

How it's funded, over time

Each bar is one year's revenue split into where it came from, and every bar is the same height — these are shares, not amounts, so a year that raised twice as much looks the same size. Hover a bar for the split.

2019
2020
2021
2022
2023
2024
2025
ContributionsProgram revenueInvestmentOther

Government-grant reliance: 2020 6% · 2021 8% · 2024 1% · 2025 1%. Grants only. Government contracts and fees sit inside program revenue.

99% of 3RD DECADE INC’s revenue is contributions — more reliant on donations than three-quarters of its peers (81% for the typical peer).

This organization
Typical peer · 11,793 orgs

Surplus & reserves

Operating surplus or deficit each year, and months of liquidity in hand. 5 of the last 7 reported years ran a deficit.

$334k
’19
−$94k
’20
$89k
’21
−$82k
’22
−$266k
’23
−$217k
’24
−$231k
’25
1.3
months of
reserve

Leadership and staff

The officers, directors, trustees and key employees listed on each return. Joined and no longer listed compare each filing with the year before, matching people by surname and first initial; a year after a gap, or a roster under three people, has no comparison.

Chief executive

Joe'Mar Hooper

Chief executive officer

As listed on its FY2025 Form 990.

2019202020212022202320242025
Listed577861111
Joined·+2+0+2+1+5+1
No longer listed·001301
03Who funds it

Who funds it, year by year

2020 → 2023: the base held at 4 funders, grant income fell $398k → $135k.

4 of 18 of your funders are donor-advised or pass-through sponsors (tagged DAF) — 11% of grant dollars received. That money is really individual donors directing a sponsor; the institutions to cultivate are the non-DAF funders.

From the IRS filings of 3RD DECADE INC’s funders (the co-funder graph). Association, not causation. Trends are read to FY2023, the last fiscal year that has finished arriving. FY2024–FY2026 are still being filed and are shown unshaded; they do not move any figure on this page.

How concentrated its funding is

3RD DECADE INC has a broad base — no single funder exceeds 32% of grant income, and it takes 3 funders to reach half.

the vertical line marks half of all grant income — 3 funders to its left

32% of the income these shares are computed over arrives through pass-through sponsors or from payers whose filings do not say what kind of payment it is. Concentration is still measured over all of it, because the money is real; what it does not support is a claim about how many institutions have chosen to fund 3RD DECADE INC.

32%
largest funder
54%
top three
~7
effective funders

Largest funder’s share by year: 2020 75% · 2021 48% · 2022 66% · 2023 74% — broadly stable.

“Effective funders” = inverse Herfindahl index (1 / Σ shareᵢ²) — the number of equal-sized funders that would give the same concentration. Trends are read to FY2023, the last fiscal year that has finished arriving. FY2024–FY2026 are still being filed and are shown unshaded; they do not move any figure on this page.

How long its funders stay

0% of 3RD DECADE INC's funders are still giving 3 years after their first grant; 28% give in more than one year at all.

first grant+1y+2y+3y

Share of funders still giving k years after their first recorded grant, pooled across every acquisition cohort. A funder counts as retained in a year only if it made a grant that year. Measured to FY2023, the last fiscal year that has finished arriving — a funder cannot be counted as lapsed in a year most filers have not reached.

Where its funders are

3RD DECADE INC draws 72% of its grant income from funders outside Arizona, across 9 states in all.

MA
OR
IA
CT
CA
CO
MD
AZ
DC

In-state vs out-of-state, by year

’20
’21
’22
’23
Arizona out of state home

Funder states come from each funder’s own filing. $100k arriving through sponsors registered in 2 states is excluded from the map and the split above: a sponsor holds money on a donor’s behalf, so its registered address would place those dollars somewhere no donor need ever have been. Trends are read to FY2023, the last fiscal year that has finished arriving. FY2024–FY2026 are still being filed and are shown unshaded; they do not move any figure on this page.

04Its place in the field

Against its field

3RD DECADE INC has grown faster than three-quarters of the 6,891 human services nonprofits its size.

Operating margin−17% · bottom quartile
Months of reserve1.3mo · below the median
Revenue growth (annualized)26% · top quartile

this organization peer median middle 50% of peers· 6,891 human services nonprofits $1M–$10M, FY2025

Organizations like 3RD DECADE INC

Organizations whose mission and program text most resemble this one, by semantic similarity over every organization in the US filings — the closest peers, and often the clearest route to shared or prospective funders.

In Arizona

Nationally

05Profile & governance

Read directly from this organization’s own Form 990, as neutral context.

Where the money goes

72% of spending goes to programs.

Program 72%Management 19%Fundraising 9%

Governance

10
board members
100%
independent
✓Conflict-of-interest policy✓Whistleblower policy✓Document retention✓Board reviewed the 990✓Audited financials

Public support

38%

Share of support from the public (Schedule A) — the basis for its public-charity status.

Footprint & structure

Files a return copy in 1 state

DE

Screen this organization

A dated, signed PDF of the compliance screen for 3RD DECADE INC: IRS status (Business Master File, Publication 78, auto-revocation), the OFAC sanctions lists, the Internal Revenue Bulletin, and California registration, with the Rev. Proc. 2018-32 §8.01 reliance elements stated element by element. Generated from the current files at the moment you download it.

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Screens are triage, not determinations; a source that cannot be read reports not screened, never clear. Screen this nonprofit · How the screen works · on the API as GET /api/screening/{ein}?format=pdf

Questions and answers

Who funds 3RD DECADE INC?
3RD DECADE INC (Arizona) receives grants from 18 organizations whose IRS filings report $944,610 to it, the largest being CHARLES SCHWAB FOUNDATION ($300,000). 5 of them have funded it in more than one year.
How many funders does 3RD DECADE INC have?
IRS filings report 18 organizations giving $944,610 in grants to 3RD DECADE INC, 5 of which have funded it in more than one year.
Who is the largest funder of 3RD DECADE INC?
CHARLES SCHWAB FOUNDATION is the largest funder on record, with $300,000 in grants. The full list of funders is on this page.
How can an organization like 3RD DECADE INC find more funders?
Start with the funders already giving here, then look at the foundations that back similar organizations in Arizona. The funding by cause and by state pages list the largest funders for a given area and how to approach them.

Play a game about who funds 3rd Decade →

These figures are read directly from IRS Form 990 / 990-PF e-file XML: this organization’s own return for FY2025 (financials across 2019–2025), and the filings of 18 funders that report grants to it. “On record” means captured in the filings we have parsed — a funder that does not e-file, or whose grant detail is not itemized, will not appear. Filings run roughly 12–24 months behind. Trends on this page end at FY2023, the last fiscal year that has finished arriving; later years are shown and marked, and move no figure. Data on this page was exported October 14, 2026. What this page cannot tell you · view filing