LIBRARIES ONLINE INC (EIN 061057542) - 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

1980

Legal Domicile

Principal Officer

JOSEPH FARARA

Phone

8603471704

Tax Period

2024-07-01 to 2025-06-30

LIBRARIES ONLINE INC, founded in 1980, is a community nonprofit in the Education sector that reported $1.5M in total revenue in fiscal year 2024.

Mission

COMPUTER NETWORK SERVING MEMBER LIBRARIES

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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 $1,473,570

Program Service Revenue $5,549

Investment Income $6,871

Other Revenue $0

TOTAL REVENUE $1,485,990

Expense Breakdown

Grants Paid $0

Salaries & Benefits $736,670

Fundraising Expenses $0

Program Expenses $998,056

Other Expenses $728,437

TOTAL EXPENSES $1,465,107

Year-over-Year Comparison

	2024	2023	Change
Revenue	$1,485,990	$1,402,862	+0.1%
Expenses	$1,465,107	$1,390,734	+0.1%
Net Income	$20,883	$12,128	+0.7%

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

$222,124

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
DIANE DEEDY	PRESIDENT	2.00	Officer Director	$0	$0	$0
MADHU GUTPA	VICE PRESIDENT	2.00	Officer Director	$0	$0	$0
SUSAN GRIFFITHS	TREASURER	2.00	Officer Director	$0	$0	$0
LAUREN DAVIS	SECRETARY	2.00	Officer Director	$0	$0	$0
KATHERINE NAZARIAN	PAST PRESIDENT	2.00	Director	$0	$0	$0
AMANDA BROUWER	DIRECTOR	2.00	Director	$0	$0	$0
KATY MCNICOL	DIRECTOR	2.00	Director	$0	$0	$0
ANDREW MALONEY	DIRECTOR	2.00	Director	$0	$0	$0
GAYLE BOGEL	DIRECTOR	2.00	Director	$0	$0	$0
JESSICA LOBNER	DIRECTOR	2.00	Director	$0	$0	$0
LAUREN REDFIELD	DIRECTOR	2.00	Director	$0	$0	$0
EVELYN MORGEN	DIRECTOR	2.00	Director	$0	$0	$0
CHRISTINE CACHUELA	DIRECTOR	2.00	Director	$0	$0	$0
LISA TIMOTHY	DIRECTOR	2.00	Director	$0	$0	$0
ANN THOMPSON	DIRECTOR	2.00	Director	$0	$0	$0
ROB MCCOOLE	DIRECTOR	2.00	Director	$0	$0	$0
MELISSA CANHAM-CLYNE	DIRECTOR	2.00	Director	$0	$0	$0
ELIZABETH ALVORD	DIRECTOR	2.00	Director	$0	$0	$0
JENNIFER SMITH	DIRECTOR	2.00	Director	$0	$0	$0
MELISSA FOURNIER	DIRECTOR	2.00	Director	$0	$0	$0
BECKY STARR	DIRECTOR	2.00	Director	$0	$0	$0
KATIE HUFFMAN	DIRECTOR	2.00	Director	$0	$0	$0
KATHY GIOTSAS	DIRECTOR	2.00	Director	$0	$0	$0
CATHY SPECIAL	DIRECTOR	2.00	Director	$0	$0	$0
ALLISON MURPHY	DIRECTOR	2.00	Director	$0	$0	$0
SUNNIE SCARPA	DIRECTOR	2.00	Director	$0	$0	$0
MICHELLE CENTORE	DIRECTOR	2.00	Director	$0	$0	$0
COLLEEN BAILIE	DIRECTOR	2.00	Director	$0	$0	$0
AMY KENNEDY	DIRECTOR	2.00	Director	$0	$0	$0
JENNIFER SULLIVAN	DIRECTOR	2.00	Director	$0	$0	$0
ERIC WERTHMANN	DIRECTOR	2.00	Director	$0	$0	$0
JOSEPH FARARA	EXECUTIVE DIRECTOR	40.00	Officer	$111,764	$0	$111,764
ANDREW GARDNER	ASSOCIATE DIRECTOR	40.00	Officer	$110,360	$0	$110,360

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	$1,485,990	$1,465,107	$1,065,327	$20,883
2024	$1,402,862	$1,390,734	$991,768	$12,128
2023	$1,348,008	$1,380,845	$997,982	$-32,837
2022	$1,376,416	$1,392,055	$1,053,575	$-15,639
2021	$1,434,765	$1,365,052	$974,710	$69,713
2020	$1,424,232	$1,333,460	$908,927	$90,772
2019	$1,392,301	$1,301,816	$831,956	$90,485

LIBRARIES ONLINE INC