BRISTOL AREA LIBRARY ASSOCIATION (EIN 010267988) - Form 990 Financial Analysis & Trantor Score

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Tuckman-Chang Vulnerability Assessment

4 risk indicators measuring financial stability and operational resilience

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Financial Trends

Organization Details

Legal Domicile

Principal Officer

BONNIE SABLINSKY

Phone

2076772115

Tax Period

2024-01-01 to 2024-12-31

BRISTOL AREA LIBRARY ASSOCIATION is a 501(c)(3) with EIN 010267988, based in New Harbor, ME. The organization files IRS Form 990 and reported its most recent data for fiscal year 2024. In that period, it reported $87,481 in total revenue and $108,422 in total expenses, with net assets of $872,523.

Mission

OPERATION OF A PUBLIC LIBRARY

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Trantor Score

Financial Health & Payment Capacity Assessment (FICO Scale: 300–850)

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

Financial Overview (2024)

Revenue Breakdown

Contributions & Grants $63,077

Program Service Revenue $6,856

Investment Income $17,548

Other Revenue $0

TOTAL REVENUE $87,481

Expense Breakdown

Grants Paid $0

Salaries & Benefits $38,687

Fundraising Expenses $0

Other Expenses $69,735

TOTAL EXPENSES $108,422

Year-over-Year Comparison

	2024	2023	Change
Revenue	$87,481	$79,547	+0.1%
Expenses	$108,422	$80,420	+0.3%
Net Income	$-20,941	$-873	+23.0%

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

N/A

Independent Members

N/A

Employees

Volunteers

N/A

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
SUE TROUWBORST	SECRETARY	10.00	Officer	$0	$0	$0
JUDITH HOPE	DIRECTOR	10.00	Director	$0	$0	$0
BONNIE SABLINSKY	TREASURER	10.00	Officer	$0	$0	$0
CAROL JAEGER	PRESIDENT	10.00	Officer	$0	$0	$0
KATHLEEN RIESS	DIRECTOR	10.00	Director	$0	$0	$0
BECKY COOPER	DIRECTOR	10.00	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	$87,481	$108,422	$888,023	$-20,941
2023	$79,547	$80,420	$820,998	$-873
2022	$73,329	$77,906	$778,243	$-4,577
2021	$105,458	$78,202	$809,731	$27,256
2020	$62,899	$68,070	$765,845	$-5,171
2019	$86,290	$73,778	$769,188	$12,512
2018	$71,886	$64,067	$707,145	$7,819

BRISTOL AREA LIBRARY ASSOCIATION