Peabody Memorial Library (EIN 010318866) - 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

1915

Legal Domicile

Principal Officer

Harry Fish Jr

Phone

2074973003

Tax Period

2025-01-01 to 2025-12-31

Peabody Memorial Library, founded in 1915, is a micro nonprofit that reported $84K in total revenue in fiscal year 2025. Revenue surged 49% from the prior year, signaling strong growth momentum. Expenses of $76K left a modest 9% surplus.

Mission

Our mission is to provide services cultural activities technology education and to act as a social resource to improve quality of life in our area

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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 (2025)

Revenue Breakdown

Contributions & Grants $83,964

Program Service Revenue $0

Investment Income $0

Other Revenue $0

TOTAL REVENUE $83,964

Expense Breakdown

Grants Paid $0

Salaries & Benefits $24,227

Fundraising Expenses $0

Program Expenses $76,106

Other Expenses $51,879

TOTAL EXPENSES $76,106

Year-over-Year Comparison

	2025	2024	Change
Revenue	$83,964	$56,396	+0.5%
Expenses	$76,106	$73,782	+0.0%
Net Income	$7,858	$-17,386	-1.5%

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

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

$20,574

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Heidi Hinkley	Librarian	28.00	Key Emp	$20,574	$0	$20,574
Pam Smith	Trustee	2.00	Director	$0	$0	$0
Sherry Christie Fish	Trustee	2.00	Director	$0	$0	$0
Nancy Bell	Trustee	2.00	Director	$0	$0	$0
Nancy Beal	Trustee	2.00	Director	$0	$0	$0
Lina Beal	Secretary	5.00	Director	$0	$0	$0
Harry Fish Jr	President	5.00	Director	$0	$0	$0
Charlene Nelson	Vice President	10.00	Director	$0	$0	$0
Kylie Hinkley	Treasurer	5.00	Director	$0	$0	$0
Irene Rogers	Trustee	2.00	Director	$0	$0	$0
Raeea Alley	Trustee	2.00	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
2025	$83,964	$76,106	$742,540	$7,858
2024	$56,396	$73,782	$696,622	$-17,386
2023	$76,717	$56,178	$617,501	$20,539
2022	$53,139	$46,930	$699,818	$6,209
2021	$43,415	$50,026	$693,987	$-6,611
2020	$40,007	$47,972	$679,250	$-7,965
2019	$40,252	$48,518	$614,842	$-8,266

Peabody Memorial Library