CUTLER MEMORIAL LIBRARY (EIN 030193796) - 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

1937

Legal Domicile

Principal Officer

GRACE WORCESTER

Phone

8024548504

Tax Period

2023-07-01 to 2024-06-30

CUTLER MEMORIAL LIBRARY, founded in 1937, is a small nonprofit that reported $152K in total revenue in fiscal year 2023. The organization ran a surplus of $31K, a strong 20% operating margin.

Mission

THE MISSION OF THE CUTLER MEMORIAL LIBRARY IS TO PROVIDE FREE PUBLIC ACCESS TO MATERIALS, INFORMATION, AND A PHYSICAL SPACE WHICH ENCOURAGES AND ENABLES PATRONS TO CONTINUOUSLY EDUCATE THEMSELVES AND TO STRENGTHEN THEIR SENSE OF COMMUNITY. THE CUTLER MEMORIAL LIBRARY IS COMMITTED TO PROVIDING RESOURCES FOR PATRONS TO PURSUE THEIR QUESTS FOR HISTORICAL INFORMATION, CURRENT INFORMATION, AND INFORMATION ON FUTURE IDEAS AND TRENDS. THE LIBRARY SUPPORTS AND ENCOURAGES OPEN AND RESPECTFUL COMMUNITY DISCOURSE.

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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 $135,622

Program Service Revenue $16,700

Investment Income $0

Other Revenue $0

TOTAL REVENUE $152,322

Expense Breakdown

Grants Paid $0

Salaries & Benefits $46,156

Fundraising Expenses $7,186

Program Expenses $106,827

Other Expenses $75,043

TOTAL EXPENSES $121,199

Year-over-Year Comparison

	2023	2022	Change
Revenue	$152,322	N/A	N/A
Expenses	$121,199	N/A	N/A
Net Income	$31,123	N/A	N/A

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

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
GENESE GRILL	SECRETARY	N/A	Officer Director	$0	$0	$0
KAREN HATCHER	TRUSTEE/OUTR	N/A	Director	$0	$0	$0
LAURA MCCAFFREY	TRUSTEE	N/A	Director	$0	$0	$0
MARY NIEBLING	TREASURER	N/A	Officer Director	$0	$0	$0
MARY TRERICE	FRIENDS OF T	N/A	Director	$0	$0	$0
GRACE WORCESTER	CHAIR	N/A	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	$152,322	$121,199	$523,746	$31,123

CUTLER MEMORIAL LIBRARY