Civic Intelligence

The Straighttalk Association for Financi

EIN 27-3840203 • 501(c)3 • Corning, NY

Profile

The mission of safe is to provide all members of our community with the knowledge, skills, and tools necessary for financial success throughout all phases of life.

14 East Market St 212Corning, NY 14830

www.financiallysafe.org

Siviq Scores

Precomputed percentiles relative to similar nonprofits. These scores are descriptive rather than judgmental.

Liabilities / Assets

62nd percentile

0.00x

Tied with the lowest-debt nonprofits in its peer group.

NTEE P • <$500k nonprofits • Source year 2024

Liabilities / Revenue

64th percentile

0.00x

Tied with the lowest-debt nonprofits in its peer group.

NTEE P • <$500k nonprofits • Source year 2024

Net Margin

4th percentile

-194%

Higher net margin than 4% of similar nonprofits.

NTEE P • <$500k nonprofits • Source year 2024

Top Officer Pay

83rd percentile

$0

Higher top officer pay than 83% of similar nonprofits.

Top officer pay equals 0.0% of source-year revenue.

NTEE P • <$500k nonprofits • Source year 2024

Asset Growth

30th percentile

-17%

Faster asset growth than 30% of similar nonprofits.

NTEE P • <$500k nonprofits • Annualized from 2023 to 2024

Revenue Growth

13th percentile

-61%

Faster revenue growth than 13% of similar nonprofits.

NTEE P • <$500k nonprofits • Annualized from 2023 to 2024

Balance Sheet
Liabilities / Assets62nd percentile

Assets

Down

$317,990

Down $64,102 (-17%) from 2023

Liabilities

Flat

$0

Flat from 2023

Net Assets

Down

$317,990

Down $64,102 (-17%) from 2023

Operations
Liabilities / Revenue64th percentileNet Margin4th percentile

Revenue

Down

$33,011

Down $51,578 (-61%) from 2023

Expenses

Down

$97,113

Down $21,969 (-18%) from 2023

Net Income

Down

-$64,102

Down $29,609 (-86%) from 2023

Trend Graphs

Balance Sheet Trend

Asset Growth30th percentile

Grouped bars show assets, liabilities, and net assets across loaded filings.

$600K$400K$200K$0Assets 2021: $252,632Liabilities 2021: $0Net Assets 2021: $252,6322021Assets 2022: $416,585Liabilities 2022: $0Net Assets 2022: $416,5852022Assets 2023: $382,092Liabilities 2023: $0Net Assets 2023: $382,0922023Assets 2024: $317,990Liabilities 2024: $0Net Assets 2024: $317,9902024

Highlighted filing

2024

Assets$317,990
Liabilities$0
Net Assets$317,990
Open 2024 Filing

Operations Trend

Revenue Growth13th percentile

Revenue, expenses, and net income by year, with the latest filing highlighted.

$300K$200K$100K$0-$100KRevenue 2021: $223,632Expenses 2021: $53,808Net Income 2021: $169,8242021Revenue 2022: $231,675Expenses 2022: $67,722Net Income 2022: $163,9532022Revenue 2023: $84,589Expenses 2023: $119,082Net Income 2023: -$34,4932023Revenue 2024: $33,011Expenses 2024: $97,113Net Income 2024: -$64,1022024

Highlighted filing

2024

Revenue$33,011
Expenses$97,113
Net Income-$64,102
Open 2024 Filing

Filings

Most recent year

2024 • Form 990Facts available. Structured filing facts are available, but richer extracted sections are limited.

Open filing
Assets
$317,990
Liabilities
$0
Net assets
$317,990
Revenue
$33,011
Expenses
$97,113
Net income
-$64,102
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Facts available. Structured filing facts are available, but richer extracted sections are limited.$3.18$0.00$3.18$0.33$0.97$0.64
2023Detailed filing. Detailed filing data is available for this year.$3.82$0.00$3.82$0.85$1.19$0.34
2022Detailed filing. Detailed filing data is available for this year.$4.17$0.00$4.17$2.32$0.68$1.64
2021Detailed filing. Detailed filing data is available for this year.$2.53$0.00$2.53$2.24$0.54$1.70
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
Nov 7, 2025
Return Version
2024v5.2
Gross Receipts
$33,011
Mission and Program Overview

Mission

The mission of safe is to provide all members of our community with the knowledge, skills, and tools necessary for financial success throughout all phases of life.

Balance Sheet Detail
LineBeginningEndChange
Assets
Cash and Non-Interest-Bearing Accounts$382,092$317,990▼ $64,102
Total Assets$382,092$317,990▼ $64,102
Liabilities
Total Liabilities$0$0→ $0
Net Assets / Fund Balance
Net Assets Without Donor Restrictions$382,092$317,990▼ $64,102
Total Net Assets Fund Balance$382,092$317,990▼ $64,102
Total Liabilities and Net Assets / Fund Balance$382,092$317,990▼ $64,102
Compensation and Service Providers
Top Officer Pay83rd percentile

Board Members and Trustees

NameTitle
Beth HowardPresident and Treasurer
Carolyn ConnellyVice President
John WoodSecretary
Revenue and Support

Revenue Composition

Contributions and Grants
$32,500
Program Service Revenue
$0
Investment Income
$511
Other Revenue
$0
Change in Net Assets
$-64,102
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Grants and Similar Amounts Paid$84,250
Other Expenses$12,863
Professional Fundraising Fees$0
Salaries, Compensation, and Employee Benefits$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Grants to Domestic Individuals$55,000--$55,000
Grants to Domestic Orgs$29,250--$29,250
Fees for Services Other-$6,625-$6,625
Occupancy$2,887$321-$3,208
Insurance$1,378$153-$1,531
Other Expenses$1,283--$1,283
Office Expenses-$216-$216
Total Functional Expenses$89,798$7,315$0$97,113
International Activity

Grant and Assistance Recipients

RecipientLocationCategoryPurposeAmount
IncubatorworksPainted Post, NY501(c)3To Support Community Programs$21,000
Fundraising, Events, and Gaming
Fundraising activities
No
Gaming activities
No
Professional fundraiser used
No

Fundraising and Gaming Totals

Line ItemAmount
Professional Fundraising Fees$0
Political and Lobbying Activity
Political campaign activity
No
Lobbying activity
No
Subject to proxy tax
No
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
Yes
Annual disclosure for covered persons
Yes
Audit committee
No
Backup withholding compliance
Yes
Business relationship with 35% controlled entity
No
Business relationship with family members
No
Business relationship with organization members
No
Material changes to governing documents
No
Compensation from other sources disclosed
No
CEO compensation reviewed
No
Other officer compensation reviewed
No
Conflict-of-interest policy
Yes
Audited financial statements prepared
No
Key decisions subject to board approval
No
Management duties delegated
No

Governance Explanations

Form 990, Part VI, Section A, Line 6

“Membership in the association is open to members of the public who support the purposes of the association. Membership is subject to payment of annual dues.”

Form 990, Part VI, Section A, Line 7A

“Directors are elected by a majority of the members at an annual meeting of the members and the board.”

Form 990, Part VI, Section B, Line 11B

“The board of directors review the form 990 prior to filing.”

Form 990, Part VI, Section B, Line 12C

“If at any time during his or her term of service a related party acquires any financial interest or when any matter for decision or approval comes before the board in which a related party has a financial interest, the material facts of that financial interest or potential related party transaction must be promptly disclosed in writing by the related party to each member of the board. The board will then follow the procedures in article 4 of this policy. Any failure by a related party to disclose to the board a known financial interest or a known potential related party transaction may be grounds for removal of such person from the board and/or his or her termination from the association.”

Form 990, Part VI, Section C, Line 19

“The organization makes its governing documents, conflict of interest policy and financial statemetns available upon request.”

Filing and Contact Details

Filer

Filer Name
The Straighttalk Association for Financi
EIN
27-3840203
Phone
6077423890
Address
14 EAST MARKET ST 212, CORNING, NY 14830

Signing Officer

Name
Beth Howard
Title
President
Phone
6077423890
Signed
2025-11-07
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Beth Howard
Formed
2010
Legal Domicile
Ny
Voting Board Members
3
Independent Board Members
3
Employees
0
Volunteers
10

Preparer

Firm
Mengel Metzger Barr & Co Llp
Address
333 EAST WATER ST STE 200, ELMIRA, NY 14901
Preparer
Katherine E Stickler CPA
Phone
6077344183
Raw XML Appendix338 raw XML fields

This appendix keeps the raw XML leaves available for debugging and edge-case review. The human report above is the primary experience.

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IRS990/Desc0WE OFFER OUR OWN PROGRAMS AND RESOURCES -- SUCH AS OUR SCHOLARSHIP PROGRAM -- AND ALSO PROVIDE FINANCIAL EDUCATION TO INDIVIDUALS AT A VARIETY OF AGES, INCOME LEVELS, AND LIFE STAGES BY PARTNERING WITH OTHER NON-PROFIT ORGANIZATIONS.MOST NOTABLY IN 2024, SAFE AWARDED A TOTAL OF $55,000 IN SCHOLARSHIPS TO 11 INDIVIDUALS WITH ESTABLISHED PLANS TO TAKE THE NEXT STEP IN THEIR EDUCATION, DEVELOPMENT, OR CAREER, INCLUDING VOCATIONAL STUDIES AND MILITARY ENROLLMENT. RECIPIENTS ARE CHOSEN BASED ON THEIR CONTRIBUTIONS TOWARD HELPING PEOPLE, SERVING THE UNDERSERVED, AND MAKING AN IMPACT IN AND GIVING BACK TO THEIR COMMUNITIES.
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IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt20
IRS990/Form990PartVIISectionAGrp/TitleTxt0PRESIDENT AND TREASURER
IRS990/Form990PartVIISectionAGrp/TitleTxt1VICE PRESIDENT
IRS990/Form990PartVIISectionAGrp/TitleTxt2SECRETARY
IRS990/Form990ProvidedToGvrnBodyInd01
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IRS990/GrantsToIndividualsInd01
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IRS990/IRPDocumentCnt00
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IRS990/LoanOutstandingInd00
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IRS990/LocalChaptersInd00
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IRS990/MembershipDuesAmt032500
IRS990/MembersOrStockholdersInd01
IRS990/MethodOfAccountingCashInd0X
IRS990/MinutesOfCommitteesInd01
IRS990/MinutesOfGoverningBodyInd01
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IRS990/NetUnrelatedBusTxblIncmAmt00
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IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/CurrentTaxYearMinus3YearsAmt0223540
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IRS990ScheduleI/RecipientTable/RecipientEIN0161322074
IRS990ScheduleI/RecipientTable/USAddress/AddressLine1Txt0109 CANADA ROAD
IRS990ScheduleI/RecipientTable/USAddress/CityNm0PAINTED POST
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IRS990ScheduleI/SupplementalInformationDetail/ExplanationTxt0THE ORGANIZATION RECEIVES PROGRAM UPDATES FROM THE GRANTEE AND THE BOARD REVIEWS.
IRS990ScheduleI/SupplementalInformationDetail/FormAndLineReferenceDesc0PART I, LINE 2:
IRS990/ScheduleJRequiredInd00
IRS990/ScheduleORequiredInd01
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0MEMBERSHIP IN THE ASSOCIATION IS OPEN TO MEMBERS OF THE PUBLIC WHO SUPPORT THE PURPOSES OF THE ASSOCIATION. MEMBERSHIP IS SUBJECT TO PAYMENT OF ANNUAL DUES.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1DIRECTORS ARE ELECTED BY A MAJORITY OF THE MEMBERS AT AN ANNUAL MEETING OF THE MEMBERS AND THE BOARD.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2THE BOARD OF DIRECTORS REVIEW THE FORM 990 PRIOR TO FILING.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3IF AT ANY TIME DURING HIS OR HER TERM OF SERVICE A RELATED PARTY ACQUIRES ANY FINANCIAL INTEREST OR WHEN ANY MATTER FOR DECISION OR APPROVAL COMES BEFORE THE BOARD IN WHICH A RELATED PARTY HAS A FINANCIAL INTEREST, THE MATERIAL FACTS OF THAT FINANCIAL INTEREST OR POTENTIAL RELATED PARTY TRANSACTION MUST BE PROMPTLY DISCLOSED IN WRITING BY THE RELATED PARTY TO EACH MEMBER OF THE BOARD. THE BOARD WILL THEN FOLLOW THE PROCEDURES IN ARTICLE 4 OF THIS POLICY. ANY FAILURE BY A RELATED PARTY TO DISCLOSE TO THE BOARD A KNOWN FINANCIAL INTEREST OR A KNOWN POTENTIAL RELATED PARTY TRANSACTION MAY BE GROUNDS FOR REMOVAL OF SUCH PERSON FROM THE BOARD AND/OR HIS OR HER TERMINATION FROM THE ASSOCIATION.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4THE ORGANIZATION MAKES ITS GOVERNING DOCUMENTS, CONFLICT OF INTEREST POLICY AND FINANCIAL STATEMETNS AVAILABLE UPON REQUEST.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990, PART VI, SECTION A, LINE 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990, PART VI, SECTION A, LINE 7A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2FORM 990, PART VI, SECTION B, LINE 11B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3FORM 990, PART VI, SECTION B, LINE 12C
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4FORM 990, PART VI, SECTION C, LINE 19
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IRS990/TotalAssetsGrp/BOYAmt0382092
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IRS990/TotalCompGreaterThan150KInd00
IRS990/TotalContributionsAmt032500
IRS990/TotalEmployeeCnt00
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt07315
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt089798
IRS990/TotalFunctionalExpensesGrp/TotalAmt097113
IRS990/TotalGrossUBIAmt00
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IRS990/TotalLiabilitiesGrp/BOYAmt00
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IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt0382092
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IRS990/TotalOtherCompensationAmt00
IRS990/TotalProgramServiceExpensesAmt089798
IRS990/TotalReportableCompFromOrgAmt00
IRS990/TotalRevenueGrp/ExclusionAmt0511
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt00
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt033011
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt00
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IRS990/TotReportableCompRltdOrgAmt00
IRS990/TrnsfrExmptNonChrtblRltdOrgInd00
IRS990/TypeOfOrganizationAssocInd0X
IRS990/UnrelatedBusIncmOverLimitInd00
IRS990/UponRequestInd0X
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IRS990/USAddress/CityNm0CORNING
IRS990/USAddress/StateAbbreviationCd0NY
IRS990/USAddress/ZIPCd014830
IRS990/VotingMembersGoverningBodyCnt03
IRS990/VotingMembersIndependentCnt03
IRS990/WebsiteAddressTxt0WWW.FINANCIALLYSAFE.ORG
IRS990/WhistleblowerPolicyInd01
ReturnHeader/BuildTS02025-03-06 01:10:19Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd01
ReturnHeader/BusinessOfficerGrp/PersonNm0BETH HOWARD
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0PRESIDENT
ReturnHeader/BusinessOfficerGrp/PhoneNum06077423890
ReturnHeader/BusinessOfficerGrp/SignatureDt02025-11-07
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0THE STRAIGHTTALK ASSOCIATION FOR FINANCI
ReturnHeader/Filer/BusinessNameControlTxt0STRA
ReturnHeader/Filer/EIN0273840203
ReturnHeader/Filer/PhoneNum06077423890
ReturnHeader/Filer/USAddress/AddressLine1Txt014 EAST MARKET ST 212
ReturnHeader/Filer/USAddress/CityNm0CORNING
ReturnHeader/Filer/USAddress/StateAbbreviationCd0NY
ReturnHeader/Filer/USAddress/ZIPCd014830
ReturnHeader/IRSResponsiblePrtyInfoCurrInd01
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0161092347
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0MENGEL METZGER BARR & CO LLP
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt0333 EAST WATER ST STE 200
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0ELMIRA
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0NY
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd014901
ReturnHeader/PreparerPersonGrp/PhoneNum06077344183
ReturnHeader/PreparerPersonGrp/PreparationDt02025-11-05
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0KATHERINE E STICKLER CPA
ReturnHeader/ReturnTs02025-11-14T07:12:26-06:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02024-01-01
ReturnHeader/TaxPeriodEndDt02024-12-31
ReturnHeader/TaxYr02024

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