THE STRAIGHTTALK ASSOCIATION FOR FINANCI (EIN 273840203) - Form 990 Financial Analysis & Trantor Score

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Financial Vulnerability Assessment (Tuckman-Chang)

4 risk indicators measuring financial stability and operational resilience

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Financial Trends

Organization Details

Formation Year

2010

Legal Domicile

Principal Officer

BETH HOWARD

Phone

6077423890

Tax Period

2023-01-01 to 2023-12-31

THE STRAIGHTTALK ASSOCIATION FOR FINANCI, founded in 2010, is a micro nonprofit in the Human Services sector that reported $85K in total revenue in fiscal year 2023. Revenue fell 63% from the prior year — a significant decline worth monitoring. Expenses of $119K exceeded revenue, resulting in a 41% operating deficit.

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.

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Trantor Score

Financial Health Score (300–850) · Liquidity · Solvency · Sustainability · Efficiency

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Liquidity (40%) • Solvency (30%) • Sustainability (20%) • Efficiency (10%)

Financial Overview (2023)

Revenue Breakdown

Contributions & Grants $83,980

Program Service Revenue $0

Investment Income $609

Other Revenue $0

TOTAL REVENUE $84,589

Expense Breakdown

Grants Paid $108,277

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $117,741

Other Expenses $10,805

TOTAL EXPENSES $119,082

Year-over-Year Comparison

	2023	2022	Change
Revenue	$84,589	$231,675	-0.6%
Expenses	$119,082	$67,722	+0.8%
Net Income	$-34,493	$163,953	-1.2%

Key Indicators

✓ Grants to Organizations ✓ Grants to Individuals ✗ Lobbying ✗ Political Activity ✗ Foreign Activities ✗ Donor Advised Fund ✓ Schedule B Required

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Financial Health Indicators

Comprehensive financial analysis: Altman Z-Score, liquidity, solvency, sustainability, efficiency, and growth metrics

Financial Distress Indicator

Liquidity & Cash Position

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Altman Z-Score • Liquidity Ratios • Solvency Analysis • Growth Indicators • Efficiency Metrics

Governance

Voting Members

Independent Members

Employees

N/A

Volunteers

Governance Policies

✓ Conflict of Interest Policy

✓ Whistleblower Policy

✓ Document Retention Policy

Special Practices & Reported Activities

✗ Operated a School

✗ Operated a Hospital

✗ Provided First Class Travel

✗ Reported Conflict of Interest

✗ Reported Asset Diversion

✗ Excess Benefit Transaction

✗ Made Political Expenditures

✗ Engaged in Lobbying

✗ Operated Donor Advised Fund

✗ Maintained Art Collections

✗ Filed Form 720

Compensation of Officers, Directors & Key Employees

Total Officers

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
BETH HOWARD	PRESIDENT AND TREASURER	1.00	Officer Director	$0	$0	$0
CAROLYN CONNELLY	VICE PRESIDENT	1.00	Officer Director	$0	$0	$0
JOHN WOOD	SECRETARY	1.00	Officer Director	$0	$0	$0

Note: Compensation data is self-reported by the organization on their Form 990. "Reportable Comp" includes salary, bonuses, and other reportable compensation from the organization and related organizations. "Other Comp" includes benefits, deferred compensation, and non-taxable benefits.

Historical Data

Year	Revenue	Expenses	Assets	Net Income
2024	No data	No data	No data	No data
2023	$84,589	$119,082	$382,092	$-34,493
2022	$231,675	$67,722	$416,585	$163,953
2021	$223,632	$53,808	$252,632	$169,824

THE STRAIGHTTALK ASSOCIATION FOR FINANCI