Bethel Library Association (EIN 016011376) - 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

1905

Legal Domicile

Principal Officer

Darlene Beck

Phone

2078242520

Tax Period

2024-07-01 to 2025-06-30

Bethel Library Association, founded in 1905, is a micro nonprofit that reported $91K in total revenue in fiscal year 2024. Expenses of $106K exceeded revenue, resulting in a 16% operating deficit.

Mission

Loans out books, video tapes magazines

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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 (2024)

Revenue Breakdown

Contributions & Grants $78,511

Program Service Revenue $862

Investment Income $11,590

Other Revenue $0

TOTAL REVENUE $90,963

Expense Breakdown

Grants Paid $0

Salaries & Benefits $63,742

Fundraising Expenses $0

Program Expenses $99,312

Other Expenses $42,038

TOTAL EXPENSES $105,780

Year-over-Year Comparison

	2024	2023	Change
Revenue	$90,963	$84,605	+0.1%
Expenses	$105,780	$93,856	+0.1%
Net Income	$-14,817	$-9,251	+0.6%

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

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

$38,019

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Kelcy Arciga	Librarian	030.00	Key Emp Highest	$38,019	$0	$38,019
Lucy Abbott	Past President	000.50	Officer Director	$0	$0	$0
Paula Weisberger	Trustee	000.50	Director	$0	$0	$0
Nancy Brown	President	000.50	Officer Director	$0	$0	$0
Martha Siegel	Secretary	000.50	Officer Director	$0	$0	$0
Eliza Hazen	Trustee	000.50	Director	$0	$0	$0
Tara Savage	Trustee	000.50	Director	$0	$0	$0
Darlene Beck	Treasurer	002.00	Officer Director	$0	$0	$0
Carlie Casey	Trustee	000.50	Director	$0	$0	$0
Kara Kimball	Trustee	000.50	Director	$0	$0	$0
Michelle Zagardo	Trustee	000.50	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	$90,963	$105,780	$791,998	$-14,817
2024	$84,605	$93,856	$796,930	$-9,251
2023	$86,375	$77,548	$805,229	$8,827
2022	$73,326	$62,463	$859,586	$10,863
2021	$69,587	$61,603	$853,731	$7,984
2020	$60,037	$69,361	$841,592	$-9,324
2019	$71,668	$58,090	$867,047	$13,578

Bethel Library Association