ST ALBANS FREE LIBRARY (EIN 036000234) - 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

Principal Officer

REBECCA MANAHAN

Phone

8025241507

Tax Period

2024-07-01 to 2025-06-30

ST ALBANS FREE LIBRARY is a small nonprofit that reported $497K in total revenue in fiscal year 2024. Net assets of $1.3M represent 32 months of operating reserves.

Mission

PUBLIC LIBRARY

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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 $458,882

Program Service Revenue $6,624

Investment Income $31,579

Other Revenue $0

TOTAL REVENUE $497,085

Expense Breakdown

Grants Paid $0

Salaries & Benefits $326,745

Fundraising Expenses $0

Program Expenses $523,588

Other Expenses $196,843

TOTAL EXPENSES $523,588

Year-over-Year Comparison

	2024	2023	Change
Revenue	$497,085	$493,064	+0.0%
Expenses	$523,588	$611,276	-0.1%
Net Income	$-26,503	$-118,212	-0.8%

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

$73,221

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
REBECCA MANAHAN	DIRECTOR	40.00	Officer	$68,688	$4,533	$73,221
STEVE DEAL	TRUSTEE	1.00	Director	$0	$0	$0
NATALIE GOOD	TREASURER	1.00	Officer Director	$0	$0	$0
LINDA KEATING	TRUSTEE	1.00	Director	$0	$0	$0
LINDA LANG	TRUSTEE	1.00	Director	$0	$0	$0
MEAGHAN MALBOEUF	CHAIR	1.00	Officer Director	$0	$0	$0
SHELAGH MUNROE	TRUSTEE	1.00	Director	$0	$0	$0
STACIE SCANGAS	SECRETARY	1.00	Officer Director	$0	$0	$0
SUE WADE	VICE CHAIR	1.00	Officer Director	$0	$0	$0
JILL WHITE	TRUSTEE	1.00	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	$497,085	$523,588	$1,326,244	$-26,503
2024	$493,064	$611,276	$1,318,089	$-118,212
2023	$769,191	$533,554	$1,388,196	$235,637
2022	$464,356	$516,200	$1,141,538	$-51,844
2021	$437,924	$418,358	$1,214,204	$19,566
2020	$431,847	$476,159	$1,138,313	$-44,312
2019	$414,904	$471,705	$1,185,504	$-56,801
2018	$392,353	$440,891	$1,220,951	$-48,538

ST ALBANS FREE LIBRARY