CRAGIN MEMORIAL LIBARY (EIN 060689697) - 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

RONALD GOLDSTEIN

Phone

8605375752

Tax Period

2021-07-01 to 2022-06-30

CRAGIN MEMORIAL LIBARY, founded in 1905, is a micro nonprofit that reported $15K in total revenue in fiscal year 2021. Revenue fell 116% from the prior year — a significant decline worth monitoring.

Mission

CRAGIN MEMORIAL LIBRARY BOARD OF TRUSTEES ASSISTS IN MAKING ALL LIBRARY MATERIALS (BOOKS, PERIODICALS, REFERENCE BOOKS, VIDEOS, ELECTRONIC SERVICES) AVAILABLE TO THE PUBLIC.

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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 (2021)

Revenue Breakdown

Contributions & Grants $4,347

Program Service Revenue $0

Investment Income $-18,951

Other Revenue $0

TOTAL REVENUE $-14,604

Expense Breakdown

Grants Paid $9,122

Salaries & Benefits $0

Fundraising Expenses $156

Program Expenses $9,277

Other Expenses $6,812

TOTAL EXPENSES $15,934

Year-over-Year Comparison

	2021	2020	Change
Revenue	$-14,604	$88,816	-1.2%
Expenses	$15,934	$20,534	-0.2%
Net Income	$-30,538	$68,282	-1.4%

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

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

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
ANDREAS BISBIKOS	TRUSTEE	1.00	Director	$0	$0	$0
JULIANNA W CAMERON	TRUSTEE	1.00	Director	$0	$0	$0
EDWIN CRAGIN	TRUSTEE	1.00	Director	$0	$0	$0
A VICTOR HORVITZ	TRUSTEE	1.00	Director	$0	$0	$0
MARY ELLEN MAHONEY	TRUSTEE	1.00	Director	$0	$0	$0
REV LAUREN OSTROUT	TRUSTEE	1.00	Director	$0	$0	$0
MATTHEW PEEL	TRUSTEE	1.00	Director	$0	$0	$0
RONALD GOLDSTEIN	CHAIRMAN	2.00	Officer	$0	$0	$0
DANIELLE PENSA	SECRETARY	2.00	Officer	$0	$0	$0
CINDY PRAISNER	TREASURER	2.00	Officer	$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
2022	$-14,604	$15,934	$390,097	$-30,538
2021	$88,816	$20,534	$424,167	$68,282
2020	$38,704	$9,680	$355,885	$29,024
2019	$14,355	$12,536	$326,861	$1,819

CRAGIN MEMORIAL LIBARY