Civic Intelligence

Brighter Financial Futures

EIN 82-2654459 • 501(c)3 • Winfield, PA

Profile

To provide k-12 students with knowledge of economics and the u.s. Free-market system, and support programs that develop students' skills in personal finance, entrepreneurship, and small business to elevate their standard of living, quality of life, and professional success.

849 Tame Deer DriveWinfield, PA 17889

www.penncfl.org

Siviq Scores

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

Liabilities / Assets

73rd percentile

0.03x

Higher debt load relative to assets than 73% of similar nonprofits.

501(c)3 • <$500k nonprofits • Source year 2024

Liabilities / Revenue

77th percentile

0.04x

Higher debt load relative to revenue than 77% of similar nonprofits.

501(c)3 • <$500k nonprofits • Source year 2024

Net Margin

50th percentile

1.7%

Higher net margin than 50% of similar nonprofits.

501(c)3 • <$500k nonprofits • Source year 2024

Top Officer Pay

95th percentile

$62,608

Higher top officer pay than 95% of similar nonprofits.

Top officer pay equals 26.2% of source-year revenue.

501(c)3 • <$500k nonprofits • Source year 2024

Asset Growth

61st percentile

4.0%

Faster asset growth than 61% of similar nonprofits.

501(c)3 • <$500k nonprofits • Annualized from 2023 to 2024

Revenue Growth

54th percentile

1.0%

Faster revenue growth than 54% of similar nonprofits.

501(c)3 • <$500k nonprofits • Annualized from 2023 to 2024

Balance Sheet
Liabilities / Assets73rd percentile

Assets

Up

$259,548

Up $9,918 (+4.0%) from 2023

Liabilities

Up

$8,880

Up $5,838 (+192%) from 2023

Net Assets

Up

$250,668

Up $4,080 (+1.7%) from 2023

Operations
Liabilities / Revenue77th percentileNet Margin50th percentile

Revenue

Up

$238,674

Up $2,366 (+1.0%) from 2023

Expenses

Down

$234,593

Down $10,954 (-4.5%) from 2023

Net Income

Up

$4,081

Up $13,320 (+144%) from 2023

Trend Graphs

Balance Sheet Trend

Asset Growth61st percentile

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

$300K$200K$100K$0Assets 2018: $47,746Liabilities 2018: $02018Assets 2019: $53,651Liabilities 2019: $02019Assets 2020: $183,873Liabilities 2020: $4,796Net Assets 2020: $179,0772020Assets 2021: $183,873Liabilities 2021: $4,796Net Assets 2021: $179,0772021Assets 2022: $262,697Liabilities 2022: $6,870Net Assets 2022: $255,8272022Assets 2023: $249,630Liabilities 2023: $3,042Net Assets 2023: $246,5882023Assets 2024: $259,548Liabilities 2024: $8,880Net Assets 2024: $250,6682024

Highlighted filing

2024

Assets$259,548
Liabilities$8,880
Net Assets$250,668
Open 2024 Filing

Operations Trend

Revenue Growth54th percentile

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

$300K$200K$100K$0-$100KRevenue 2018: $92,351Expenses 2018: $44,648Net Income 2018: $47,7032018Revenue 2019: $102,598Expenses 2019: $96,725Net Income 2019: $5,8732019Revenue 2020: $208,232Expenses 2020: $147,029Net Income 2020: $61,2032020Revenue 2021: $208,232Expenses 2021: $147,029Net Income 2021: $61,2032021Revenue 2022: $246,018Expenses 2022: $169,268Net Income 2022: $76,7502022Revenue 2023: $236,308Expenses 2023: $245,547Net Income 2023: -$9,2392023Revenue 2024: $238,674Expenses 2024: $234,593Net Income 2024: $4,0812024

Highlighted filing

2024

Revenue$238,674
Expenses$234,593
Net Income$4,081
Open 2024 Filing

Filings

Most recent year

2024 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$259,548
Liabilities
$8,880
Net assets
$250,668
Revenue
$238,674
Expenses
$234,593
Net income
$4,081
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$2.60$0.09$2.51$2.39$2.35$0.04
2023Detailed filing. Detailed filing data is available for this year.$2.50$0.03$2.47$2.36$2.46$0.09
2022Detailed filing. Detailed filing data is available for this year.$2.63$0.07$2.56$2.46$1.69$0.77
2021Summary only. Only limited summary data is available for this year.$1.84$0.05$1.79$2.08$1.47$0.61
2020Detailed filing. Detailed filing data is available for this year.$1.84$0.05$1.79$2.08$1.47$0.61
2019Summary only. Only limited summary data is available for this year.$0.54$0.00$1.03$0.97$0.06
2018Summary only. Only limited summary data is available for this year.$0.48$0.00$0.92$0.45$0.48
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Sep 1, 2023 to Aug 31, 2024
Signed
Jun 16, 2025
Return Version
2023v6.0
Gross Receipts
$238,674
Mission and Program Overview

Mission

To provide k-12 students with knowledge of economics and the u.s. Free-market system, and support programs that develop students' skills in personal finance, entrepreneurship, and small business to elevate their standard of living, quality of life, and professional success.

Balance Sheet Detail
LineBeginningEndChange
Assets
Cash and Non-Interest-Bearing Accounts$249,630$259,548▲ $9,918
Total Assets$249,630$259,548▲ $9,918
Liabilities
Accounts Payable and Accrued Expenses$3,042$6,777▲ $3,735
Other Liabilities$0$2,103▲ $2,103
Total Liabilities$3,042$8,880▲ $5,838
Net Assets / Fund Balance
Net Assets Without Donor Restrictions$246,588$250,668▲ $4,080
Total Net Assets Fund Balance$246,588$250,668▲ $4,080
Total Liabilities and Net Assets / Fund Balance$249,630$259,548▲ $9,918
Compensation and Service Providers
Top Officer Pay95th percentile

Employees

NameTitleFull / Part TimeBaseTotal
Carolyn a ShirkVice PresidentFT$62,608$62,608

Board Members and Trustees

NameTitle
Alan W DakeyChairman of the Board, Pre
Donna Gavitt M EdBoard Member
Peter StockettBoard Member
Sue No RingerBoard Member
Tris WestBoard Member
Revenue and Support

Revenue Composition

Contributions and Grants
$233,258
Program Service Revenue
$0
Investment Income
$5,416
Other Revenue
$0
All Other Contributions
$233,258
Change in Net Assets
$4,081
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$131,598
Salaries, Compensation, and Employee Benefits$102,995
Total Fundraising Expense$2,475
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Current Officers, Directors, Trustees, and Key Employees$87,298$2,297$2,297$91,892
Other Expenses$50,668--$50,668
Payroll Taxes$7,048$268$178$7,494
Other Salaries and Wages$2,457$1,152-$3,609
Fees for Services Accounting-$3,340-$3,340
Travel-$1,993-$1,993
Insurance-$1,840-$1,840
Office Expenses-$1,692-$1,692
Fees for Services Management-$500-$500
Information Technology-$206-$206
Fees for Services Other-$165-$165
Total Functional Expenses$218,665$13,453$2,475$234,593
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
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Payroll$2,103
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
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
Yes
Other officer compensation reviewed
Yes
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 B, Line 11B

“Documents of the organization are available to the public upon request. There is a charge for copying documents and postage to the requesting entity. The financial statement of the organization is published to its members once a year, but is available throughout the year for inspection. Board members can be contacted at any time about documents, afterwhich the request will be acted upon to provide appropriate documentation.”

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

“Board members must annually sign a standard form indicating if they have any conflict of interest that might affect their decision making. Board members must recuse themselves from any votes in which such conflicts may occur. The responsibility of determining conflict rests on the honesty of the indivdiual board members and on the board president to make sure there are no conflicts before discussion or voting on any specific issues.”

Form 990, Part VI, Section B, Line 15

“The compensation of officers who are staff members of the corporation shall be as fixed from time to time by the board, and the compensation shall be commensurate with the services performed by that officer and with consideration for the compensation of other nonprofit officers performing similar services.”

Form 990, Part VI, Section C, Line 19

“Documents of the organization are available to the public upon request. There is a charge for copying documents and postage to the requesting entity. The financial statement of the organization is published to its members once a year, but is available throughout the year for inspection. Board members can be contacted at any time about documents, afterwhich the request will be acted on within a week, unless significant copying is involved, and then two weeks is allowed.”

Filing and Contact Details

Filer

Filer Name
Brighter Financial Futures
EIN
82-2654459
Phone
5709755149
Address
849 TAME DEER DRIVE, WINFIELD, PA 17889
Doing Business As
Pa Council on Financial Literacy

Signing Officer

Name
Carolyn Shirk
Title
Vice President
Phone
5709755149
Signed
2025-06-16
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Alan W Dakey
Formed
2017
Legal Domicile
Pa
Voting Board Members
6
Independent Board Members
6
Employees
0
Volunteers
0

Preparer

Firm
Wagner Dreese Elsasser & Associates Pc
Address
1372 N SUSQUEHANNA TRL STE 210, SELINSGROVE, PA 17870
Preparer
Brian L Elsasser Cpacva
Phone
5707432030
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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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IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0DOCUMENTS OF THE ORGANIZATION ARE AVAILABLE TO THE PUBLIC UPON REQUEST. THERE IS A CHARGE FOR COPYING DOCUMENTS AND POSTAGE TO THE REQUESTING ENTITY. THE FINANCIAL STATEMENT OF THE ORGANIZATION IS PUBLISHED TO ITS MEMBERS ONCE A YEAR, BUT IS AVAILABLE THROUGHOUT THE YEAR FOR INSPECTION. BOARD MEMBERS CAN BE CONTACTED AT ANY TIME ABOUT DOCUMENTS, AFTERWHICH THE REQUEST WILL BE ACTED UPON TO PROVIDE APPROPRIATE DOCUMENTATION.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1BOARD MEMBERS MUST ANNUALLY SIGN A STANDARD FORM INDICATING IF THEY HAVE ANY CONFLICT OF INTEREST THAT MIGHT AFFECT THEIR DECISION MAKING. BOARD MEMBERS MUST RECUSE THEMSELVES FROM ANY VOTES IN WHICH SUCH CONFLICTS MAY OCCUR. THE RESPONSIBILITY OF DETERMINING CONFLICT RESTS ON THE HONESTY OF THE INDIVDIUAL BOARD MEMBERS AND ON THE BOARD PRESIDENT TO MAKE SURE THERE ARE NO CONFLICTS BEFORE DISCUSSION OR VOTING ON ANY SPECIFIC ISSUES.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2THE COMPENSATION OF OFFICERS WHO ARE STAFF MEMBERS OF THE CORPORATION SHALL BE AS FIXED FROM TIME TO TIME BY THE BOARD, AND THE COMPENSATION SHALL BE COMMENSURATE WITH THE SERVICES PERFORMED BY THAT OFFICER AND WITH CONSIDERATION FOR THE COMPENSATION OF OTHER NONPROFIT OFFICERS PERFORMING SIMILAR SERVICES.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3DOCUMENTS OF THE ORGANIZATION ARE AVAILABLE TO THE PUBLIC UPON REQUEST. THERE IS A CHARGE FOR COPYING DOCUMENTS AND POSTAGE TO THE REQUESTING ENTITY. THE FINANCIAL STATEMENT OF THE ORGANIZATION IS PUBLISHED TO ITS MEMBERS ONCE A YEAR, BUT IS AVAILABLE THROUGHOUT THE YEAR FOR INSPECTION. BOARD MEMBERS CAN BE CONTACTED AT ANY TIME ABOUT DOCUMENTS, AFTERWHICH THE REQUEST WILL BE ACTED ON WITHIN A WEEK, UNLESS SIGNIFICANT COPYING IS INVOLVED, AND THEN TWO WEEKS IS ALLOWED.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990, PART VI, SECTION B, LINE 11B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990, PART VI, SECTION B, LINE 12C
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2FORM 990, PART VI, SECTION B, LINE 15
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3FORM 990, PART VI, SECTION C, LINE 19
IRS990/SchoolOperatingInd00
IRS990/SignificantChangeInd00
IRS990/SignificantNewProgramSrvcInd00
IRS990/StatesWhereCopyOfReturnIsFldCd0PA
IRS990/SubjectToExcsTaxNetInvstIncInd00
IRS990/SubjectToProxyTaxInd00
IRS990/SubjToTaxRmnrtnExPrchtPymtInd00
IRS990/TaxablePartyNotificationInd00
IRS990/TaxExemptBondsInd00
IRS990/TerminateOperationsInd00
IRS990/TotalAssetsBOYAmt0249630
IRS990/TotalAssetsEOYAmt0259548
IRS990/TotalAssetsGrp/BOYAmt0249630
IRS990/TotalAssetsGrp/EOYAmt0259548
IRS990/TotalCompGreaterThan150KInd00
IRS990/TotalContributionsAmt0233258
IRS990/TotalEmployeeCnt00
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt02475
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt013453
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt0218665
IRS990/TotalFunctionalExpensesGrp/TotalAmt0234593
IRS990/TotalGrossUBIAmt05416
IRS990/TotalLiabilitiesBOYAmt03042
IRS990/TotalLiabilitiesEOYAmt08880
IRS990/TotalLiabilitiesGrp/BOYAmt03042
IRS990/TotalLiabilitiesGrp/EOYAmt08880
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt0246588
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt0250668
IRS990/TotalOtherCompensationAmt00
IRS990/TotalProgramServiceExpensesAmt0218665
IRS990/TotalReportableCompFromOrgAmt062608
IRS990/TotalRevenueGrp/ExclusionAmt00
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt00
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt0238674
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt05416
IRS990/TotalVolunteersCnt00
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt0249630
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt0259548
IRS990/TotReportableCompRltdOrgAmt00
IRS990/TravelGrp/ManagementAndGeneralAmt01993
IRS990/TravelGrp/TotalAmt01993
IRS990/TrnsfrExmptNonChrtblRltdOrgInd00
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd00
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt0849 TAME DEER DRIVE
IRS990/USAddress/CityNm0WINFIELD
IRS990/USAddress/StateAbbreviationCd0PA
IRS990/USAddress/ZIPCd017889
IRS990/VotingMembersGoverningBodyCnt06
IRS990/VotingMembersIndependentCnt06
IRS990/WebsiteAddressTxt0WWW.PENNCFL.ORG
IRS990/WhistleblowerPolicyInd01
ReturnHeader/BuildTS02025-03-06 01:10:19Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd01
ReturnHeader/BusinessOfficerGrp/PersonNm0CAROLYN SHIRK
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0VICE PRESIDENT
ReturnHeader/BusinessOfficerGrp/PhoneNum05709755149
ReturnHeader/BusinessOfficerGrp/SignatureDt02025-06-16
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0BRIGHTER FINANCIAL FUTURES
ReturnHeader/Filer/BusinessNameControlTxt0BRIG
ReturnHeader/Filer/EIN0822654459
ReturnHeader/Filer/PhoneNum05709755149
ReturnHeader/Filer/USAddress/AddressLine1Txt0849 TAME DEER DRIVE
ReturnHeader/Filer/USAddress/CityNm0WINFIELD
ReturnHeader/Filer/USAddress/StateAbbreviationCd0PA
ReturnHeader/Filer/USAddress/ZIPCd017889
ReturnHeader/IRSResponsiblePrtyInfoCurrInd00
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0455012510
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0WAGNER DREESE ELSASSER & ASSOCIATES PC
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt01372 N SUSQUEHANNA TRL STE 210
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0SELINSGROVE
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0PA
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd017870
ReturnHeader/PreparerPersonGrp/PhoneNum05707432030
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0BRIAN L ELSASSER CPACVA
ReturnHeader/ReturnTs02025-06-16T14:39:22-05:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02023-09-01
ReturnHeader/TaxPeriodEndDt02024-08-31
ReturnHeader/TaxYr02023

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