The 2009-2010 Assets & Opportunity Scorecard describes and measures the many forces that impact the financial strength of households, and outlines the centrality of building and protecting assets to the financial success of families and individuals. It offers the most comprehensive, timely assessment available of the financial security of households and individuals at the state level – and allows comparison by state and, where possible, race, gender and income. Its scope and framework give a useful, strategic view of economic drivers and of the policies that can accelerate and expand asset building and economic opportunity.

The Scorecard assesses all states on their relative ability to provide opportunities for residents to build and retain assets. The state outcome grades are a measure of financial prosperity and how well that prosperity is shared and safeguarded. The Scorecard ranks the 50 states and the District of Columbia on 58 performance measures in five Issue Areas: Financial Assets & Income, Businesses & Jobs, Housing & Homeownership, Health Care and Education. The overall state outcome grade is determined by the rankings each state receives for outcome measures within each Issue Area. The outcome grades in the Scorecard are distributed on a curve, based on how each state fares compared with all other states.

The Scorecard also separately assesses states on the strength of their policies to expand economic opportunity. The Scorecard includes a detailed assessment of 12 policy priorities, as well as information on 22 additional policies. Taken together, these 34 policies provide a comprehensive view of what states can do to help residents build and protect assets in the Issue Areas described above and in one additional category related to community investment and accountability policies. Unlike the outcome measures, the strength of a state's policies is assessed based on fixed criteria arrived at through consultation with issue experts and CFED's own knowledge of asset policies that are promising, proven or effective in helping families build and protect assets. These policy assessments do not factor into the state outcome grades.

All of the data used in the 2009-2010 Scorecard, as well as data from previous editions in 2007, 2005 and 2002, are available in downloadable Excel files:
2009-2010 Scorecard Data
2007-2008 Scorecard Data
2005 Scorecard Data
2002 State Asset Development Report Card (SADRC) Data

All previous editions of the Scorecard are available for download: 2007, 2005 (coming soon!) and 2002. The previous Scorecard PDFs should be downloaded and viewed on your computer because of their length and file size.

In this section, you’ll find information on the Scorecard including methodology and Frequently Asked Questions:

Main Findings: Visit this section for a brief overview of the main findings of the 2009-2010 Assets & Opportunity Scorecard.

Methodology/Errata: Here you will find information on the framework of the 2009-2010 Scorecard, the methodology for assigning outcome grades and policy ratings, and other information on the data.

Glossary of Measures: Download the measure definitions, descriptions and sources for the measures in the 2009-2010 Scorecard.

Acknowledgements: CFED thanks the many people and organizations that helped make the 2009-2010 Scorecard possible.

FAQ: If you have questions about the 2009-2010 Scorecard, the data, policies, or our methodology, please visit our Frequently Asked Questions.

If you have any other questions not found on this Web site, please email us at scorecard@cfed.org.

About CFED

CFED (Corporation for Enterprise Development) expands economic opportunity by helping Americans start and grow businesses, go to college, own a home, and save for their children's and own economic futures. We identify promising ideas, test and refine them in communities to find out what works, craft policies and products to help good ideas reach scale, and develop partnerships to promote lasting change. We bring together community practice, public policy and private markets in new and effective ways to achieve greater economic impact.