DELAWARE COMMUNITY REINVESTMENT ACTION COUNCIL INC
EIN 51-0329119 WILMINGTON, DE
- Revenue 2024
- $900,419
- Expenses 2024
- $1,719,427
Program services were 95.8% of total expenses calculated — Part IX's program-services column over total expenses, both as filed.
As filed
- Subsection
- 03
- NTEE code
- S20Z
- Classification
- 1000
- Street
- 600 S HARRISON ST
These codes are the IRS's own and are shown exactly as filed. What each one means is in the Business Master File documentation (opens in a new tab).
Mission and programs · 2024
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.
Activities or mission (Part I)
DCRAC TRANSFORMS FINANCIAL LIVES BY ADVOCATING FOR FAIR CONSUMER FINANCE AND BANKING PRACTICES, AND PROVIDING HIGH QUALITY LEGAL SERVICES AND FINANCIAL EDUCATION FOR LOW OR NO COST TO ITS CLIENTS.
-
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.
Expenses $156,647
-
STEPPTING 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.
Expenses $1,161,526 · Grants $1,000,000
-
DCRAC 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.
Expenses $176,555 · Revenue $61,441
-
THE 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.
Expenses $151,670
As filed on the 2024 return. The filer continues this part on Schedule O, which is not shown here.
Officers and directors · 2024
As listed in Part VII of the 2024 return, in the order the filer printed them. Each return names its own; this is not a roster the organization keeps with us.
-
Albert GriffithALBERT GRIFFITH
CHAIR
- Total calculated
- $0
- Hours/week
- 1 + 1 related
-
Eric SmithERIC SMITH
VICE CHAIR
- Total calculated
- $0
- Hours/week
- 1 + 1 related
-
Joel AminJOEL AMIN
DIRECTOR
- Total calculated
- $0
- Hours/week
- 1 + 1 related
-
Dr Aubrey BlumeDR AUBREY BLUME
DIRECTOR
- Total calculated
- $0
- Hours/week
- 1 + 1 related
-
Eric EvansERIC EVANS
DIRECTOR
- Total calculated
- $0
- Hours/week
- 1 + 1 related
-
Lillian HarrisonLILLIAN HARRISON
DIRECTOR
- Total calculated
- $0
- Hours/week
- 1 + 1 related
-
Domenic PedanteDOMENIC PEDANTE
DIRECTOR
- Total calculated
- $0
- Hours/week
- 1 + 1 related
-
Luly SantosLULY SANTOS
DIRECTOR
- Total calculated
- $0
- Hours/week
- 1 + 1 related
-
Lisa SpellmanLISA SPELLMAN
DIRECTOR
- Total calculated
- $0
- Hours/week
- 1 + 1 related
-
Vernon Vassallo EsqVERNON VASSALLO ESQ
DIRECTOR
- Total calculated
- $0
- Hours/week
- 1 + 1 related
-
Rashmi RanganRASHMI RANGAN
EXECUTIVE DIRECTOR
- Total calculated
- $133,120
- From this org
- $133,120
- From related orgs
- $0
- Other
- $0
- Hours/week
- 40 + 20 related
-
Jaclyn QuinnJACLYN QUINN
DEPUTY DIRECTOR
- Total calculated
- $131,040
- From this org
- $131,040
- From related orgs
- $0
- Other
- $0
- Hours/week
- 40 + 1 related
Compensation is as filed in Part VII: reportable pay from this organization and from related organizations, other compensation, and hours per week. The total, marked calculated, is our sum of the three dollar columns, with a blank column counted as $0; the form itself has no total. On a Form 990-EZ the columns are Part IV's instead, and on a Form 990-PF Part VIII's — compensation, contributions to benefit plans, and expense account — and the total sums those. Earlier years are each on their own filing page.
Filings
-
2024
- Revenue
- $900,419
- Expenses
- $1,719,427
- Contributions
- $799,252
- Grants paid
- $1,000,000
-
2023
- Revenue
- $1,036,894
- Expenses
- $1,261,935
- Contributions
- $949,475
- Grants paid
- $510,000
-
2022
- Revenue
- $944,161
- Expenses
- $844,286
- Contributions
- $888,654
- Grants paid
- $105,000
The four totals the IRS asks for on Part I of the Form 990, as filed. A dash means the figure was not present on the return — not that it was zero.
Other returns filed
-
2021 · 990
- Revenue
- $1,423,732
- Expenses
- $1,133,277
- Assets (EOY)
- $2,405,248
-
2020 · 990
- Revenue
- $1,772,114
- Expenses
- $1,629,455
- Assets (EOY)
- $2,134,204
-
2019 · 990
- Revenue
- $991,623
- Expenses
- $740,760
- Assets (EOY)
- $1,989,815
-
2018 · 990
- Revenue
- $1,901,812
- Expenses
- $1,048,212
- Assets (EOY)
- $1,723,396
-
2017 · 990
- Revenue
- $616,386
- Expenses
- $668,397
- Assets (EOY)
- $870,435
-
2016 · 990
- Revenue
- $712,364
- Expenses
- $615,865
- Assets (EOY)
- $938,215
-
2015 · 990
- Revenue
- $885,081
- Expenses
- $560,083
- Assets (EOY)
- $889,177
-
2014 · 990
- Revenue
- $509,104
- Expenses
- $628,651
- Assets (EOY)
- $556,458
Nonprofiteer parses Forms 990, 990-EZ and 990-PF, in a window of recent tax years. These returns are recorded from the IRS e-file index, so their figures were extracted by that index rather than read from the return here — treat them as a different source from the filings above, not as more of the same record. A dash means the index carries no figure; Form 990-T listings carry none at all.
Grants made
-
STEPPING STONES COMMUNITY FEDERAL CREDIT UNION
$1,000,000
2024 STEPPING STONES COMMUNITY FEDERAL CREDIT UNION WAS ENVISIONED, CREATED, SPONSORED AND OPERATED BY DCRAC. ALTHOUGH A SEPARATE LEGAL ENTITY, STEPPING STONES SERVES THE LOW-INCOME COMMUNITY IN CONSONANCE WITH AND COMPLEMENTING THE DCRAC MISSION.
-
STEPPING STONES COMMUNITY FEDERAL CREDIT UNION
$510,000
2023 STEPPING STONES COMMUNITY FEDERAL CREDIT UNION WAS ENVISIONED, CREATED, SPONSORED AND OPERATED BY DCRAC. ALTHOUGH A SEPARATE LEGAL ENTITY, STEPPING STONES SERVES THE LOW-INCOME COMMUNITY IN CONSONANCE WITH AND COMPLEMENTING THE DCRAC MISSION.
-
STEPPING STONES COMMUNITY FEDERAL CREDIT UNION
$105,000
2022 STEPPING STONES COMMUNITY FEDERAL CREDIT UNION WAS ENVISIONED, CREATED, SPONSORED AND OPERATED BY DCRAC. ALTHOUGH A SEPARATE LEGAL ENTITY, STEPPING STONES SERVES THE LOW-INCOME COMMUNITY IN CONSONANCE WITH AND COMPLEMENTING THE DCRAC MISSION.
Grants received
-
$50,000
2023 LEGAL AID
-
2022 FOR GENERAL SUPPORT
-
$10,000
2024 UNRESTRICTED SUPPORT
-
2022 UNRESTRICTED
-
$5,284
2022 DEGIVES.ORG DONATIONS
Related organizations
From Schedule R Part II, where a filer lists the tax-exempt organizations it is related to by control. It does not record shared board members or money.
Declared on its 2024 return
-
STEPPING STONES COMMUNITY FEDERAL CREDIT UNION
501(C)(1) · CREDIT UNION PROVIDING FINANCIAL SERVICES TO UNDERSERVED POPULATIONS. · DE
Taxable family
From Schedule R Parts I, III and IV: entities that legally are the filer, and taxable partnerships, corporations and trusts it is related to. These record ownership and control, not shared board members or money.
Disregarded entities on its 2024 return
-
DCRAC ECONOMIC DEVELOPMENT FUNDLLC
RECEIVING PROCEEDS FROM DONATED LOANS · DE · income $76,441 · assets $263,445
Other IRS files
Auto-Revocation List
Not listed. The IRS publishes this list for organizations whose exemption was automatically revoked for failing to file for three consecutive years.
Publication 78
Listed as of 13 October 2026, under deductibility PC.
These are two separate IRS files on two separate schedules, shown as published and not reconciled with each other. Neither is a statement about whether a contribution is deductible today: 19,245 organizations appear in Publication 78 while the IRS's own revocation file lists them as currently revoked, more than half of those revoked before 2019. Absence from Publication 78 is evidence of nothing, and presence is not evidence either. Verify current status with the IRS before relying on it.
What this page reflects
The registration facts above come from the IRS Business Master File published 13 October 2026 and read 1 November 2026, for every organization at once. Returns through tax year 2024, the newest we have parsed for this organization.