Delaware · Nonprofit
DELAWARE COMMUNITY REINVESTMENT ACTION COUNCIL INC
DELAWARE COMMUNITY REINVESTMENT ACTION COUNCIL INC (Delaware) receives grants from 16 organizations whose IRS filings report $1,823,721 to it, the largest being TD CHARITABLE FOUNDATION ($620,000). 11 of them have funded it in more than one year.
- Revenue FY2025
- $900k
- Funders on record
- 16
- Grants received
- $1.8M
- Net assets
- $1.5M
What Delaware Community Reinvestment Action Council Inc does
Mission
Founded to realize the promise of a community-centric financial system, dcrac provides low- and no-cost services that enable delawareans to untangle and take charge of their financial lives.we integrate legal and financial services with community education and advocacy so that low- to modest-wealth clients can secure their own financial futures and thrive within mainstream banking and legal systems. We proudly work with community members to serve their needs, ensuring everyone who walks through our doors has the necessary services, resources, and knowledge to access credit, capital, and legal support. In delaware, we're also the only group making sure that banks around which our state economy is built give back to the communityand we've been doing that since 1987.all our work transforms the financial lives of our clients through targeted outreach, customized education, tailored products, and strategic legal care to preserve the wealth we help our families create.
As stated on its FY2025 Form 990.
Programs
Dcrac law: tax practice aka low income taxpayer clinic (litc) is a free legal service to support taxpayers in dealing with the irs ensuring that low- and moderate-income households have a fair change in resolving tax issues and accessing credits to which they are entitled.
$156,647 spent10% of program spendingSteppting stones community federal credit union: found by dcrac in 2011, steping stones is now a fully independent credit union that provides access to safe, affordable financial products to all comers.
$1,161,526 spentof which $1,000,000 as grants71% of program spendingDcrac law: estate practice: affordale legal servcies to protect homeownershipand preserve generational wealth, we provide willis, probate, and title-clearing services so families can stay in their homes, prevent tangled titles, and transfer asets securely and efficiently.
$176,555 spent$61,441 earned by the program11% of program spendingThe money school: most adults need to manage financial matters better, but not everyone gets the same education growing up. With free classes taught by volunteer professionals, we equip delawareans with the skills to budget, save and invest, so they can achieve financial stability.
$151,670 spent9% of program spending
The 4 programs described on its FY2024 Form 990, listed largest first by expense. Program spending in total: $1,646,398.
The organization over time
Each line starts at 100 in 2017, so what you read is the shape rather than the size: 150 means half as much again as 2017, 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.
Balance sheet
Total assets and total liabilities at each year end, in dollars. The largest one-year move in total assets was 2018 to 2019, from $870k to $1.7M (+98%).
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.
Government-grant reliance: 2017 10% · 2018 22% · 2019 13% · 2020 14% · 2021 49% · 2022 8% · 2023 19% · 2024 19% · 2025 23%. Grants only. Government contracts and fees sit inside program revenue.
89% of DELAWARE COMMUNITY REINVESTMENT ACTION COUNCIL INC’s revenue is contributions — more donation-reliant than the typical peer (62% for the typical peer).
Surplus & reserves
Operating surplus or deficit each year, and months of liquidity in hand. 3 of the last 9 reported years ran a deficit.
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
Rashmi Rangan
Executive director
Board chair
Albert Griffith
Chair
As listed on its FY2025 Form 990.
Who funds it, year by year
2017 → 2023: the base broadened from 4 funders to 6 funders, grant income rose $90k → $142k.
5 of 16 of your funders are donor-advised or pass-through sponsors (tagged DAF) — 21% 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 DELAWARE COMMUNITY REINVESTMENT ACTION COUNCIL 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
DELAWARE COMMUNITY REINVESTMENT ACTION COUNCIL INC leans on a few funders — its largest provides 34% of grant income and the top three 72%; half comes from just 2 funders.
the vertical line marks half of all grant income — 2 funders to its left
30% 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 DELAWARE COMMUNITY REINVESTMENT ACTION COUNCIL INC.
Largest funder’s share by year: 2017 44% · 2018 100% · 2019 86% · 2020 61% · 2021 45% · 2022 28% · 2023 49% — growing more concentrated.
“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
45% of DELAWARE COMMUNITY REINVESTMENT ACTION COUNCIL INC's funders are still giving 3 years after their first grant; 69% give in more than one year at all.
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
DELAWARE COMMUNITY REINVESTMENT ACTION COUNCIL INC draws 76% of its grant income from funders outside Delaware, across 7 states in all.
In-state vs out-of-state, by year
Funder states come from each funder’s own filing. $376k arriving through sponsors registered in 5 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.
Against its field
DELAWARE COMMUNITY REINVESTMENT ACTION COUNCIL INC's funding base is broadening — from 4 funders to 6 as grant income climbed.
this organization peer median middle 50% of peers· 7,175 community improvement nonprofits $100k–$1M, FY2025
Government funding DELAWARE COMMUNITY REINVESTMENT ACTION COUNCIL INC receives
Grants and contracts to this organization from federal (USASpending) and state checkbooks, reconciled to its EIN. $1.5M on record.
- Department of the Treasury$969k
- Department of Housing and Urban Development$500k
Federal grants vs contracts are distinguished; state line items keep their reported category. Matched by name + geography (the BMF), so coverage is partial and precision-first.
Organizations like DELAWARE COMMUNITY REINVESTMENT ACTION COUNCIL 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 Delaware
Nationally
Read directly from this organization’s own Form 990, as neutral context.
Where the money goes
96% of spending goes to programs.
Governance
Public support
54%
Share of support from the public (Schedule A) — the basis for its public-charity status.
Footprint & structure
Part of a family of 2 related entities
- Dcrac Economic Development Fundllc · disregarded
- Stepping Stones Community Federal Credit Union · exempt
Screen this organization
A dated, signed PDF of the compliance screen for DELAWARE COMMUNITY REINVESTMENT ACTION COUNCIL 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.
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 DELAWARE COMMUNITY REINVESTMENT ACTION COUNCIL INC?
- DELAWARE COMMUNITY REINVESTMENT ACTION COUNCIL INC (Delaware) receives grants from 16 organizations whose IRS filings report $1,823,721 to it, the largest being TD CHARITABLE FOUNDATION ($620,000). 11 of them have funded it in more than one year.
- How many funders does DELAWARE COMMUNITY REINVESTMENT ACTION COUNCIL INC have?
- IRS filings report 16 organizations giving $1,823,721 in grants to DELAWARE COMMUNITY REINVESTMENT ACTION COUNCIL INC, 11 of which have funded it in more than one year.
- Who is the largest funder of DELAWARE COMMUNITY REINVESTMENT ACTION COUNCIL INC?
- TD CHARITABLE FOUNDATION is the largest funder on record, with $620,000 in grants. The full list of funders is on this page.
- How can an organization like DELAWARE COMMUNITY REINVESTMENT ACTION COUNCIL INC find more funders?
- Start with the funders already giving here, then look at the foundations that back similar organizations in Delaware. The funding by cause and by state pages list the largest funders for a given area and how to approach them.
These figures are read directly from IRS Form 990 / 990-PF e-file XML: this organization’s own return for FY2025 (financials across 2017–2025), and the filings of 16 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