- The document discusses data from Oregon's IDA program between 2012-2015. It provides statistics on who participated in the program (reach) and outcomes (graduation rates). - In terms of reach, the program enrolled nearly 5,000 participants from diverse backgrounds. Most common asset goals were education, home purchase, and business. Graduation rates varied between groups - those pursuing business goals and younger participants tended to graduate at higher rates than others. - The data helps understand impacts in communities and identify groups who could benefit most from targeted outreach and support to increase access and success in the IDA program.

1. IDA Data Roadshow
Neighborhood Partnerships
October 2015

2. Objectives of the Data Roadshow
•Share data-based report on
IDA’s reach and outcomes
•Reflect on what the data
means
•Discuss impacts seen in your
community

3. Agenda
•Welcome and Context
•Reach
•Graduation
•Financial habits
•Evaluation

4. IDAs
Investing in the personal and financial growth of
individuals to build strong communities throughout
Oregon
(Oregon Housing Council, 2013)

5. IDAs
•Established in 1999
•Now the largest state IDA Initiative in the US
•Account holders, ages 12 and up, save for approved
purposes
•Savings are matched when goal is reached, typically
$3 to $1
•Education and training is a critical component

6. Funding
•Contributions to the Initiative qualify for an Oregon
state tax credit
•Funds managed on a centralized basis, overseen by
an investment committee

8. Agenda
• Welcome and Context
• Reach
• Asset class
• Geography
• Age
• Race and ethnicity
• Educational attainment
• Income
• Family type
• Gender
• Graduation
• Financial habits
• Evaluation

9. Reach: Population
•Recorded in Outcome Tracker
•4986 individuals opened an IDA
January 2012 to May 2015
•Data on the number of Oregonians
at or below 200% FPL from US
Census—American Community
Survey and PUMS, 2013
•Some analyses use smaller subsets
of the data

10. 0
200
400
600
800
1000
1200
1400
1600
1800
2008 2009 2010 2011 2012 2013 2014
The number of new savers per year has nearly
doubled in 5 years.

11. Education has consistently been the largest asset class
savers enroll in, followed by Home Purchase and
Business.
0
100
200
300
400
500
600
700
2008 2009 2010 2011 2012 2013 2014
Ed Home Purchase Business Home Renov Assistive Technology

12. 19%
15%
9%
5%
18%
34%
38%
19%
10%
3%
12%
17%
0% 10% 20% 30% 40% 50%
Multnomah
Southern Oregon
Central Oregon
Eastern Oregon
Clackamas & Washington
Valley/North Coast
Region's proportion of Oregon's IDA Openings, 2012-2014, (n=4,513)
Region's proportion of Oregonians below 200% Poverty, 2013 (n=1,374,319)
IDA savers live in all regions of Oregon.
When compared to Oregon’s low-income population in those regions,
some regions appear overrepresented and others underrepresented.

13. 12%
11%
27%
27%
35%
43%
27%
19%
Oregonians
below 200%
FPL
(n=740,576)
IDA Openings
(n=4,640)
IDAs are distributed among youth and adults in
proportion to their share among Oregonians with
low incomes.
Age 12-17 Age 18-26 Age 27-39 Age 40-54
Comparison of Oregonians with household income below 200% poverty level in various age groups (2013) with those who opened an IDA in 2012-2014

14. Most Education savers are younger than age 27,
and most Home Purchase and Business Savers are
age 27 and older.
27%
11%
9%
16%
44%
25%
53%
56%
22%
40%
27%
23%
7%
18%
10%
6%
1%
7%
Business
Home
Purchase
Education
All
Age 12-17 Age 18-26 Age 27-39 Age 40-54 Age 55+
(N=4953)
(N=1933)
(N=1527)
(N=1145)

15. Comparison of Oregonians with household income below 200% poverty in various age groups with IDA savers
IDAs reach people of color in all age groups.
Asian Oregonians and younger Black Oregonians are underrepresented.
11%
23%
5%
17%
3%
11%
8%
1%
7%
6%
8%
3%
4%
2%
2%
5%
3%
10%
2%
3%
5%
5%
2%
4%
na
1%
na
1%
<1%
1%
76%
71%
81%
66%
86%
71%
OR Age 12-17
IDA Age 12-17
OR Age 18-26
IDA Age 18-26
OR Age 27-55
IDA Age 27-55
(N=85,786)
(N=519)
(N=198,326)
(N=1,236)
(N=477,247)
(N=2,925)
Multi/
Other Asian Black
Am. Indian
/Alaska
Native
Native HI
/Other PI White

16. 29%
48%
14%
34%
18%
17%
71%
51%
86%
66%
82%
81%
Oregonians Age 12-17
IDA Age 12-17
Oregonians Age 18-26
IDA Age 18-26
Oregonians Age 27-55
IDA Age 27-55
Hispanic or Latino/a Non-Hispanic/Non-Latino
Comparison of Oregon's population below 200% poverty in various age groups with IDA account openings in 2012-2014
IDA programs have been effective in enrolling
participants of Hispanic ethnicity.
(N=85,786)
(N=514)
(N=198,326)
(N=1231)
(N=477,247)
(N=2884)

17. 12%
14%
9%
25%
10%
11%
9%
6%
6%
5%
2%
2%
8%
16%
3%
6%
1%
2%
2%
2%
1%
2%
1%
3%
2%
1%
1%
1%
1%
1%
68%
60%
82%
62%
85%
82%
Multnomah
IDA Multnomah
Wash. & Clack.
IDA Wash. & Clack.
Valley/North Coast
IDA Valley/N Coast
(N=1722)
(N=558)
(N=779)
Multi/
Other Asian Black
Am. Indian
/Alaska
Native
Native HI/
Pacific Is
Comparison of Oregonians with low household incomes to IDA savers in each region
IDAs reach people of color in all regions of the
state.
White
(N=277,899)
(N=257,970)
(N=480,476)

18. 5%
6%
5%
8%
10%
13%
1%
1%
3%
<1%
<1%
1%
2%
2%
<1%
1%
1%
2%
2%
4%
4%
18%
5%
4%
<1%
1%
1%
<1%
1%
<1%
90%
86%
87%
73%
84%
79%
Southern Oregon
IDA Southern Ore.
Central Oregon
IDA Central Ore.
Eastern Oregon
IDA Eastern Ore.
(N=869)
(N=322)
(N=252)
(N=196,971)
(N=107,310)
(N=94,657)
Multi/
Other Asian Black
Am. Indian
/Alaska
Native
Native HI/
Pacific Is
Comparison of Oregonians with low household incomes to IDA savers in each region
IDAs reach people of color in all regions of the
state.
White

19. 19%
23%
27%
43%
20%
27%
81%
77%
73%
57%
81%
73%
Multnomah
IDA Multnomah
Wash. & Clack.
IDA Wash. & Clack.
Valley/North Coast
IDA Valley/North Coast
Hispanic or Latino/a Non-Hispanic/Non-Latino
Participants of Hispanic or Latino/a ethnicity
are found in all regions of the state.
(N=775)
(N=480,476)
(N=554)
(N=257,970)
(N=1,701)
(N=277,899)

20. 12%
19%
17%
12%
22%
21%
88%
81%
83%
88%
78%
79%
Southern OR
IDA Southern OR
Central OR
IDA Central OR
Eastern OR
IDA Eastern OR
HNspanic or Latino/a
(N=94,657)
(N=252)
(N=315)
(N=107,310)
(N=863)
(N=196,971)
Non-Hispanic/Non-Latino

21. 11
10
18
13
2
3
6
4
7
12
5
8
4
5
4
4
1
1
1
1
75
69
67
71
0% 10% 20% 30% 40% 50% 60% 70% 80% 90% 100%
Business
Home
Education
All
(N=4986)
(N=1935)
(N=1547)
(N=1147)
Racial diversity varies among savers for different
assets.
Multi/Other
Asian
Black
American Indian/Alaska Native
Native Hawaiian/Pacific Islander
White

22. One quarter of savers are people of Hispanic or
Latino ethnicity.
Nearly 4 in 10 education savers are people of Hispanic or
Latino ethnicity.
24%
38%
18%
16%
76%
62%
82%
84%
All
Education
Home Purchase
Business
(N=4940)
(N=1922)
(N=1529
(N=1141)
Hispanic or Latino Non-Hispanic/Non-Latino

23. 16%
31%
7%
6%
18%
20%
17%
16%
29%
32%
28%
23%
9%
6%
13%
9%
27%
11%
33%
46%
All
Education
Home Purchase
Business
Less than
HS
HS
Grad/
GED
Some
College
2-yr
Degree
4-yr
Degree+
Many savers have had at least some college
education when they open an IDA.
(N=4829)
(N=1918)
(N=1481)
(N=1103)

24. 91%
10%
6%
24%
3%
42% 8% 15%
Education
Youth
Education
Adults
Most adult education savers have at least some
college education when they open their IDA.
Less than
HS
HS
Grad/
GED
Some
College
2-yr
Degree
4-yr
Degree+
(N=1407)
(N=510)

25. 5%
6%
3%
4%
28%
35%
15%
37%
29%
28%
29%
35%
33%
27%
50%
21%
4%
5%
4%
3%
All
Education
Home Purchase
Business
Negative
1%-30%
50%-80% >80% AMI
Participants’ household incomes range from
extremely low income to low income.
Incomes for most Home Purchase savers are greater than 50% AMI,
but a sizeable number have extremely low household incomes.
Negative
or 0
1%-30%
AMI
30%-50%
AMI
50%-80%
AMI
80% AMI-
200% FPL
(N=4940)
(N=1914)
(N=1541)
(N=1133)

26. 11%
4%
20%
40%
30%
27%
31%
25%
8%
4%
Education
Youth
Education
Adults
Negative
or 0
1%-30%
AMI
30%-50%
AMI
50%-80%
AMI
80% AMI-
200% FPL
Among Education savers, more adults have
extremely low household incomes than youth.
(N=1398)
(N=512)

27. Two
parent
Single
mother
Single
father
Two+
adults,
no kids
Single
person
Other
Savers most commonly reside in two parent, single
mother, or single person households.
About 4 in 10 Business savers are single non-parents.
31%
32%
37%
32%
11%
27%
20%
20%
3%
3%
2%
2%
11%
10%
5%
8%
42%
26%
34%
34%
2%
2%
3%
3%
Business
Home
Purchase
Education
All
(N=4975)
(N=1933)
(N=1541)
(N=1147)

28. Two
parent
Single
mother
Single
father
Two+
adults,
no kids
Single
person
Other
Adult education savers are split about evenly
between parents and non-parents.
57%
29%
27%
17%
3%
1%
0%
6%
9%
42%
4%
3%
Education
Youth
Education
Adults
(N=1418)
(N=512)

29. Two-thirds of savers are women.
Men make up a slightly larger proportion of business savers.
64%
64%
66%
59%
36%
36%
34%
41%
All
Education
Home Purchase
Business
Women Men
(N=4935)
(N=1933)
(N=1522)
(N=1136)

30. Reach: Discussion
• Who is and is not being enrolled?
• What successes and challenges do programs
experience in reaching out to different
demographics?
• What factors should be considered when reaching
out to potential savers?
• What more would you like to know about who the
IDA is reaching?

31. Agenda
• Welcome and Context
• Reach
• Graduation
• Exit reasons
• Age
• Race and ethnicity
• Educational attainment
• Income
• Family type
• Gender
• Financial habits
• Evaluation

32. Graduation: Population
•Recorded in Outcome Tracker
•3611 individuals closed IDAs
January 2012 to May 2015
•Graduation = At least one
matched withdrawal
•Non-completion = No matched
withdrawals

33. Graduated
Voluntarily withdrew
Violated rules
Could not meet requirements
Unable to make deposits
Moved out of state/area
0%
10%
20%
30%
40%
50%
60%
70%
80%
90%
100%
2009 2010 2011 2012 2013 2014
(N=314) (N=455) (N=699) (N=856) (N=878) (N=1258)
Graduates make up about 70% of exits in recent years.
About 15% of exits each year are savers who voluntarily
withdrew.

34. Business Graduates
Education Graduates
Home Purchase Graduates
0%
10%
20%
30%
40%
50%
60%
70%
80%
90%
2009 2010 2011 2012 2013 2014
Business Savers have the highest grad rates.
Home Purchase Savers have the lowest graduation rates of
the three major asset classes.

35. ‘Voluntarily withdrew’ is the most common reason
for non-completion.
8%
13%
21%
6%
10%
5%
2%
4%
7%
2%
3% 3%
0%
5%
10%
15%
20%
25%
Business Education Home Purchase
Withdrew Violated rule Could not meet req Unable to deposit
Exits in 2012-2014
(N=802) (N=1053) (N=973)

36. 70
72
68
61
52
59
63
67
67
80
83
81
65
71
73
69
61
0 10 20 30 40 50 60 70 80 90 100
All Age 12-17
All Age 18-26
All Age 27-39
All Age 40-54
All Age 55+
Business Age 18-26
Business Age 27-39
Business Age 40-54
Home Age 27-39
Education Age 18-26
Education Age 27-39
Education Age 40-54
Business Age 55+
Home Age 18-26
Home Age 40-54
Home Age 55+
Education Age 12-17
(N=300)
(N=852)
(N=1544)
(N=650)
(N=236)
(N=196)
(N=626)
(N=239)
(N=71)
The youngest and oldest savers appear to have lower
graduation rates.
(N=96)
(N=559)
(N=237)
(N=91)
(N=290)
(N=538)
(N=294)
(N=114)

37. 72
69
62
75
55
0 10 20 30 40 50 60 70 80 90 100
American Indian/
Alaska Native
Asian
Black
Multi/Other
White
(N=131)
Graduation rates among people of different races
vary.
(N=96)
(N=244)
(N=498)
(N=2610)

38. Savers of Hispanic ethnicity have a lower rate of
graduation than Non-Hispanic savers.
The differences are greater among Education savers than
among Home Purchase savers.
63
72
63
70
59
63
0 10 20 30 40 50 60 70 80 90 100
Hispanic
Non Hispanic
Home Hispanic
Home Non Hispanic
Education Hispanic
Education Non Hispanic
(N=695)
(N=2885)
(N=395)
(N=846)
(N=176)
(N=957)

39. 85
71
59
69
57
56
87
74
72
80
68
61
0 10 20 30 40 50 60 70 80 90 100
HS or less
Some College
2-yr Degree +
Business HS or less
Business Some College
Business 2-yr Degree +
Home HS or less
Home Some College
Home 2-yr Degree +
Education HS or less
Education Some College
Education 2-yr Degree +
(N=180)
(N=246)
(N=551)
(N=573)
(N=452)
(N=221)
Savers with more education upon starting the IDA
graduate at higher rates.
(N=1118)
(N=287)
(N=350)
(N=492)
(N=1110)
(N=1335)

40. 60
84
71
57
0 10 20 30 40 50 60 70 80 90 100
Education Adult HS or less
Education Adult Some College
Education Adult 2-yr Degree +
Education Youth HS or less
Among Education savers, adults with more education
upon opening an IDA graduate at higher rates.
(N=295)
(N=441)
(N=220)
(N=278)

41. 64
63
62
61
60
50
78
82
80
66
70
68
0 10 20 30 40 50 60 70 80 90 100
1%-30% AMI
30%-50% AMI
50%-80% AMI
Business 1%-30% AMI
Business 30%-50% AMI
Business 50%-80% AMI
Home 1%-30% AMI
Home 30%-50% AMI
Home 50%-80% AMI
Education 1%-30% AMI
Education 30%-50% AMI
Education 50%-80% AMI
(N=173)
(N=137)
(N=110)
(N=72)
(N=123)
(N=264)
(N=466)
(N=450)
(N=500)
Graduation rates do not generally vary by household
income.
Home Purchase savers with extremely low incomes have
slightly lower graduation rates.
(N=193)
(N=162)
(N=95)
*Includes savers who exited in January 2014-May 2015 only

42. 68
66
69
64
56
64
83
69
81
73
64
71
0 10 20 30 40 50 60 70 80 90 100
Business Two Parent
Business Single Parent
Business No Children
Home Two Parent
Home Single Parent
Home No Children
Education Two Parent
Education Single Parent
Education No Children
(N=282)
(N=134)
(N=571)
(N=403)
(N=360)
(N=430)
(N=1102)
(N=876)
(N=1532)
Two Parent
Single Parent
No Children
Graduation rates are slightly lower for savers in
single parent households saving for Business or
Home Purchase.
(N=364)
(N=338)
(N=416)

43. 61
64
69
67
71
0 10 20 30 40 50 60 70 80 90 100
Education Adult Two Parent
Education Adult Single Parent
Education Adult No Children
Education Youth Two Parent
Education Youth Single Parent
(N=276)
(N=236)
(N=411)
(N=127)
(N=124)
For education savers, family type does not appear to
be strongly related to the likelihood of graduating.

44. 66
69
63
61
76
83
69
71
0 10 20 30 40 50 60 70 80 90 100
Female
Male
Business Female
Business Male
Home Purchase Female
Home Purchase Male
Education Female
Education Male
Graduation rates are similar for women and men.
Female business savers have slightly higher grad rates than male
business savers.
(N=632)
(N=360)
(N=868)
(N=383)
(N=771)
(N=372)
(N=2408)
(N=1193)

45. Graduation: Discussion
• Who is and is not graduating?
• What challenges do savers experience in reaching
graduation?
• What can support savers in reaching graduation?
• What more would you like to know about IDA
graduation?

46. Agenda
•Welcome and Context
•Reach
•Graduation
•Financial habits
• Budgeting, credit
knowledge, savings habits
• Savings goals
•Evaluation

47. Financial Habits: Population
•Surveys returned from
January 2012 to March 2015
•At exit
• Graduates n=1185
• Non completers n=388
•One year after follow up
• Graduates n=742
• Non completers n=209

48. Keep emergency fund
Know credit score
Deposit to savings acct
Deposit to retirement acct
Use budget
0%
10%
20%
30%
40%
50%
60%
70%
80%
12 months before
starting IDA
At Exit One Year Follow-
Up
Graduates report strong improvements in their
financial habits.
Habits reported at exit are sustained over time for many
participants. Some habits are better sustained than others.

49. 77%
64%
68%
70%
86%
46%
65%
67%
72%
53%
47%
57%
71%
56%
46%
57%
37%
11%
12%
21%
Home
Education
Business
Total
At exit, many graduates report ‘often’ practicing
good financial habits.
Use budget
Know
credit score
Keep
emergency
fund
Deposit to
savings acct
Deposit to
retirement
acct
(n=1109)
(n=397)
(n=253)
(n=383)

50. 59%
40%
33%
27%
Feel more confident
interacting with
financial services /
organizations.
Relationships within
family are stronger.
Social networks
include more people
with similar financial
goals.
Family is more
involved with
community.
(n=640; question added in 2013)
At exit, most graduates report feeling ‘very much’
more confident interacting with financial services
and organizations.
Graduates reported other social changes as well.

51. 0%
10%
20%
30%
40%
50%
60%
70%
Use budget Know credit
score
Keep
emergency
fund
Deposit to
savings acct
Deposit to
retirement acct
Graduates Non-completers
One year after exit, more graduates report
practicing good financial habits ‘often’ than
participants who did not complete their IDA.
In both groups, a minority report that they make deposits
into a savings account 'often'.

52. 53%
39%
One year after exit, significantly more graduates
than participants who did not complete felt ‘very
much’ more confident interacting with financial
services and organizations.
Graduates Non-completers

53. 64%
70%
63%
Purchase Goal: Gifts, Trips, Experiences,
Things
Saving Goal: Emergency Fund,
Retirement, Long-Term Savings
Asset Goal: Home, Business, Ed
One year after their IDA purchase, a majority of
graduates had at least one goal for which they were
saving.

54. Savings goals varied somewhat by the type of grad.
Business grads were more likely to have an asset-related
saving goal. Home purchase grads were more likely to have
a long-term savings goal.
0% 20% 40% 60% 80%
All grads
Home Purchase
Education
Business Asset Goal: Home,
Business, Ed
Saving Goal: Emergency
Fund, Retirement, Long-
Term Savings
Purchase Goal: Gifts,
Trips, Experiences,
Things

55. Financial Habits: Discussion
• What changes have you seen in savers?
• What impacts have you seen in your community?
• How would you describe the well-being of savers
after graduating?
• How might this data be used?
• What questions are you left with?

56. Agenda
•Welcome and Context
•Reach
•Graduation
•Financial habits
•Evaluation
• Asset class
• Geography
• Age
• Race and ethnicity
• Gender

57. 47%
47%
41%
40%
34%
28%
34%
30%
38%
19%
24%
34%
17%
17%
18%
33%
36%
32%
2%
6%
4%
7%
7%
7%
Non-C Follow Up Survey
Non-Completer Survey
Non-Completers
Grad Follow Up Survey
Grad Survey
Graduates
(N=2536)
(n=1185)
(n=742)
(N=1075)
(n=380)
(n=209)
Home
Purchase Education Business Other
Education savers, particularly education graduates,
are underrepresented among survey respondents.

58. 49%
43%
42%
53%
50%
51%
25%
20%
18%
24%
22%
19%
19%
23%
26%
14%
17%
19%
5%
11%
11%
8%
7%
8%
2%
2%
4%
1%
4%
3%
Non-C Follow Up Survey
Non-Completer Survey
Non-Completers
Grad Follow Up Survey
Grad Survey
Graduates
(N=2533)
(n=1106)
(n=691)
(N=1071)
(n=373)
(n=183)
Metro
Valley/
N Coast South Central East
Survey respondents are from every region of Oregon.

59. Survey respondents are generally representative of
participants with regard to age.
27%
23%
30%
16%
26%
24%
44%
46%
40%
54%
46%
46%
29%
31%
30%
30%
28%
30%
Non-C Follow Up Survey
Non-Completer Survey
Non-Completers
Grad Follow Up Survey
Grad Survey
Graduates
(N=2536)
(n=664)
(n=545)
(N=1074)
(n=329)
(n=150)
<27 years 27-39 years 40+ years

60. 14.6%
14.4%
14.4%
11.2%
12.1%
13.6%
2.2%
2.6%
2.1%
2.8%
8.6%
6.0%
8.7%
4.9%
5.8%
6.0%
5.5%
2.4%
2.6%
2.8%
Non-C Follow Up Survey
Non-Completer Survey
Non-Completers
Grad Follow Up Survey
Grad Survey
Graduates
Multi/
Other Asian Black
American
Indian/
Alaska
Native
Native
Hawaiian/
Pacific
Islander
Graduate people of color are slightly
underrepresented among survey respondents.
0.6%
0.9%
(N=2516)
(n=1084)
(n=697)
(N=1063)
(n=365)
(n=185)

61. Savers of Hispanic ethnicity are underrepresented
among survey respondents.
19%
19%
24%
10%
13%
17%
81%
81%
76%
90%
87%
83%
Non-C Follow Up Survey
Non-Completer Survey
Non-Completers
Grad Follow Up Survey
Grad Survey
Graduates
Hispanic Non Hispanic
(N=2519)
(n=1116)
(n=709)
(N=1061)
(n=385)
(n=183)

62. Women are slightly more likely than men to respond
to the surveys.
76%
72%
65%
73%
69%
67%
24%
27%
35%
26%
31%
33%
Non-C Follow Up Survey
Non-Completer Survey
Non-Completers
Grad Follow Up Survey
Grad Survey
Graduates
(N=2532)
(n=1129)
(n=719)
(N=1071)
(n=386)
(n=197)
Women Men

63. Evaluation: Discussion
• How might we expand the
voices that are informing
the evaluation?
• What questions do you
have about the IDA’s
reach, activities or
outcomes that were not
addressed today?

64. Takeaways
• What insights do we come
away with?
• What can we do with
these findings or
conclusions?
• Who do we need to share
them with?

65. Next steps
• Slides available—
OregonIDAInitiative.org/roadshow
• Debriefing
• Additional analysis
• Align outcomes to Initiative goals and activities
• Identify evaluation questions and indicators
• Align and streamline data collection methods

66. Thank you
Amy Stuczynski
astuczynski@neighborhoodpartnerships.org
503-226-3001 x101