JUNIOR ACHIEVEMENT USA
Mission Statement
Since 1950, Junior Achievement of Northern California's mission has been to inspire and prepare young people to succeed in a global economy. Junior Achievement (JA) is the region's largest and fastest growing organization dedicated to educating young people about financial literacy, workforce readiness, and entrepreneurship. Through age-appropriate curricula, our programs begin at the elementary school level, teaching children how they can impact the world around them as individuals, workers, and consumers. JA programs continue through the middle and high school grades, preparing students for additional key economic and workforce issues they will face in the future.
Financial Overview — FY 2025
Compared with Peers
FY 2025| Ratio | This org | Peer median | Position (P10 → P90) | |
|---|---|---|---|---|
|
Program expense ratio
Program expenses / total expenses
· higher is better
|
79.8% | 84.1% |
P10P90
|
Below median |
|
Admin expense ratio
Management and general / total expenses
· lower is better
|
6.4% | 9.4% |
P10P90
|
Above median |
|
Fundraising expense ratio
Fundraising expenses / total expenses
· lower is better
|
13.8% | 3.9% |
P10P90
|
Bottom quarter |
|
Fundraising efficiency
Fundraising expenses / gross fundraising income
· lower is better
|
53.4% | 171.4% |
P10P90
|
Top quarter |
|
Operating reserve
Months of expenses covered by net assets
· higher is better
|
13.8 mo | 8.9 mo |
P10P90
|
Above median |
|
Liabilities to assets
Total liabilities / total assets
· lower is better
|
10.0% | 5.4% |
P10P90
|
Below median |
|
Revenue concentration
Share of revenue from the largest source
· lower is better
|
82.8% | 96.3% |
P10P90
|
Top quarter |
|
Revenue growth
Year over year revenue growth
|
-6.3% | 7.6% |
P10P90
|
|
|
Expense growth
Year over year expense growth
|
13.6% | 6.1% |
P10P90
|
|
|
Surplus margin
Surplus as a share of revenue
|
3.3% | 2.2% |
P10P90
|
Financial History
| Year | Revenue | Expenses | Net Assets | Program % | Staff |
|---|---|---|---|---|---|
| 2025 | $2.8M | $2.7M | $3.1M | 79.8% | 24 |
| 2024 | $3.0M | $2.4M | $3.0M | 76.4% | 28 |
| 2023 | $2.4M | $2.2M | $2.4M | 72.7% | 21 |
| 2022 | $2.7M | $2.6M | $1.6M | 77.7% | 22 |
| 2021 | $4.7M | $2.4M | N/A | — | 22 |
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