FROTHINGHAM FREE LIBRARY (EIN 141364532) - 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

1948

Legal Domicile

Principal Officer

Carol Stuff

Phone

5188533016

Tax Period

2025-01-01 to 2025-12-31

FROTHINGHAM FREE LIBRARY, founded in 1948, is a small nonprofit that reported $371K in total revenue in fiscal year 2025. The organization ran a surplus of $224K, a strong 61% operating margin.

Mission

To Provide Programming and Equitable access to information and resources that support Lifelong learning.

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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 (2025)

Revenue Breakdown

Contributions & Grants $331,915

Program Service Revenue $0

Investment Income $26,854

Other Revenue $12,173

TOTAL REVENUE $370,942

Expense Breakdown

Grants Paid $0

Salaries & Benefits $70,558

Fundraising Expenses $0

Program Expenses $104,191

Other Expenses $75,913

TOTAL EXPENSES $146,471

Year-over-Year Comparison

	2025	2024	Change
Revenue	$370,942	N/A	N/A
Expenses	$146,471	N/A	N/A
Net Income	$224,471	$0	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

$65,309

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Carol Stuff	Co-President Board of Trustees	3.00	Officer	$0	$0	$0
Lori Simonds	Secretary Board of Trustees	3.00	Director	$0	$0	$0
Pat Galeazza	Trustee	3.00	Director	$0	$0	$0
Wendy Sullivan	Co-President Board of Trustees	3.00	Officer	$0	$0	$0
Gretchen Subik	Treasurer Board of Trustees	3.00	Director	$0	$0	$0
Martha Stanton	Trustee	3.00	Director	$0	$0	$0
Laurie Lane	Trustee	3.00	Director	$0	$0	$0
Becky Veldman	Trustee	3.00	Director	$0	$0	$0
Joan Kark-Wren	Trustee	3.00	Director	$0	$0	$0
Linda Bell	Assistant-Interim Director	26.00	Key Emp	$27,938	$0	$27,938
John Sullivan	Direector	12.00	Key Emp	$4,480	$0	$4,480
Bonnie Myers	Clerk	23.00	Key Emp	$19,682	$0	$19,682
Phyllis Smith	Bookkeeper/Clerk	5.00	Key Emp	$3,988	$0	$3,988
Mackenzie Egelston	Clerk-Digital Services	5.00	Key Emp	$4,482	$0	$4,482
Maureen White	Clerk	8.00	Key Emp	$2,716	$0	$2,716
Ethan Painter	Student Technology Support	8.00	Key Emp	$1,914	$0	$1,914
Lorna Quinn	Clerk	2.00	Key Emp	$109	$0	$109

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	$370,942	$146,471	$677,710	$224,471

FROTHINGHAM FREE LIBRARY