BREWSTER LADIES' LIBRARY ASSOC INC (EIN 042203830) - 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

1913

Legal Domicile

Principal Officer

LISA PERKINS

Phone

5088963913

Tax Period

2024-07-01 to 2025-06-30

BREWSTER LADIES' LIBRARY ASSOC INC, founded in 1913, is a small nonprofit in the Education sector that reported $398K in total revenue in fiscal year 2024. The organization ran a surplus of $98K, a strong 25% operating margin.

Mission

THE ORGANIZATION OPERATES, MAINTAINS AND IMPROVES THE FREE PUBLIC LIBRARY IN THE TOWN OF BREWSTER.

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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 $70,473

Program Service Revenue $70,755

Investment Income $244,724

Other Revenue $12,537

TOTAL REVENUE $398,489

Expense Breakdown

Grants Paid $5,126

Salaries & Benefits $0

Fundraising Expenses $1,359

Program Expenses $246,847

Other Expenses $295,036

TOTAL EXPENSES $300,162

Year-over-Year Comparison

	2024	2023	Change
Revenue	$398,489	$379,135	+0.1%
Expenses	$300,162	$194,092	+0.5%
Net Income	$98,327	$185,043	-0.5%

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

N/A

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
LISA PERKINS	PRESIDENT	2.00	Officer Director	$0	$0	$0
FRANK SCHROTH	VICE-PRESIDE	2.00	Officer Director	$0	$0	$0
PETER BRADLEY	TREASURER	2.00	Officer Director	$0	$0	$0
ANNE WEIRICH	SECRETARY	2.00	Officer Director	$0	$0	$0
EILEEN BERGQUIST	DIRECTOR	1.00	Director	$0	$0	$0
NANCY MANN	DIRECTOR	1.00	Director	$0	$0	$0
PAT MESERVEY	DIRECTOR	1.00	Director	$0	$0	$0
REGINA HAYES	DIRECTOR	1.00	Director	$0	$0	$0
MARY JO MURPHY	DIRECTOR	1.00	Director	$0	$0	$0
JAN CROCKER	DIRECTOR	1.00	Director	$0	$0	$0
LAUREN DREYER	DIRECTOR	1.00	Director	$0	$0	$0
PATRICIA PAT SEMPLE	DIRECTOR	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	$398,489	$300,162	$3,581,411	$98,327
2024	$379,135	$194,092	$3,383,792	$185,043
2023	$516,988	$224,171	$3,100,211	$292,817
2022	$234,641	$117,429	$2,627,486	$117,212
2021	$238,088	$139,909	$2,886,411	$98,179
2019	$303,458	$174,367	$2,408,470	$129,091
2018	$379,216	$210,217	$2,223,940	$168,999

BREWSTER LADIES' LIBRARY ASSOC INC