RICHARDS LIBRARY

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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

1901

Legal Domicile

Principal Officer

SARAH GEBBIE-MEASECK

Tax Period

2025-01-01 to 2025-12-31

RICHARDS LIBRARY, founded in 1901, is a small nonprofit that reported $294K in total revenue in fiscal year 2025. Revenue grew 9% year-over-year, indicating healthy expansion. Net assets of $1.4M represent 57 months of operating reserves.

Mission

NOT-FOR-PROFIT FREE PUBLIC LIBRARY.

Program Service Accomplishments

Program 1

Expenses: $201,990

THE PURPOSE OF THIS NOT FOR PROFIT FREE PUBLIC LIBRARY IS TO PROVIDE FREE LOAN OF PRINT AND NON-PRINT MATERIALS TO PERSONS IN THE AREA, TO STORE PUBLIC INFORMATION, TO PROVIDE GENERAL INFORMATION AND...

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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 $288,613

Program Service Revenue $289

Investment Income $4,864

Other Revenue $0

TOTAL REVENUE $293,766

Expense Breakdown

Grants Paid $0

Salaries & Benefits $164,596

Fundraising Expenses $0

Program Expenses $201,990

Other Expenses $123,594

TOTAL EXPENSES $288,190

Year-over-Year Comparison

	2025	2024	Change
Revenue	$293,766	$269,401	+0.1%
Expenses	$288,190	$278,013	+0.0%
Net Income	$5,576	$-8,612	-1.6%

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

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
JOHN SCHROETER	TRUSTEE	2.00	Director	$0	$0	$0
SUSAN MATZNER	SECRETARY	2.00	Officer Director	$0	$0	$0
GINA COLBURN	TREASURER	2.00	Officer Director	$0	$0	$0
ESTHER MCTAGUE	TRUSTEE	2.00	Director	$0	$0	$0
SARAH GEBBIE-MEASECK	PRESIDENT	2.00	Officer Director	$0	$0	$0
BECKY SMITH-LAWLER	FINANCIAL OF	2.00	Officer Director	$0	$0	$0
MARY BEADNELL	VICE-PRESIDE	2.00	Officer Director	$0	$0	$0
SAMANTAH NEWCOMB	TRUSTEE	2.00	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	$293,766	$288,190	$1,400,960	$5,576
2024	$269,401	$278,013	$1,586,806	$-8,612
2023	$256,997	$278,777	$1,395,657	$-21,780
2022	$226,219	$270,376	$1,417,101	$-44,157
2021	$261,410	$239,474	$1,458,552	$21,936
2020	$197,370	$190,748	$1,438,087	$6,622
2019	$181,040	$190,234	$1,570,935	$-9,194
2018	$181,479	$184,094	$1,434,750	$-2,615