Mountain Top Library (EIN 141364663) - 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

1900

Legal Domicile

Principal Officer

Susan Kleinfelder

Phone

5185895707

Tax Period

2024-01-01 to 2024-12-31

Mountain Top Library, founded in 1900, is a small nonprofit in the Education sector that reported $226K in total revenue in fiscal year 2024. Revenue surged 22% from the prior year, signaling strong growth momentum. Expenses of $263K exceeded revenue, resulting in a 17% operating deficit.

Mission

Free operating library providing traditional library services to local residents and visitors

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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 $218,514

Program Service Revenue $7,540

Investment Income $18

Other Revenue $0

TOTAL REVENUE $226,072

Expense Breakdown

Grants Paid $0

Salaries & Benefits $106,910

Fundraising Expenses $0

Program Expenses $245,305

Other Expenses $156,555

TOTAL EXPENSES $263,465

Year-over-Year Comparison

	2024	2023	Change
Revenue	$226,072	$185,274	+0.2%
Expenses	$263,465	$250,546	+0.1%
Net Income	$-37,393	$-65,272	-0.4%

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

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

$45,318

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Jacqueline Elmo-Emel	Director	035.00	Key Emp	$45,318	$0	$45,318
Catherine Wade	Trustee	001.00	Director	$0	$0	$0
Heather Barnett	Trustee	001.00	Director	$0	$0	$0
Leslie Merlin	Trustee	001.00	Director	$0	$0	$0
Paige Jones	Trustee	001.00	Director	$0	$0	$0
Stephanie Streich	Trustee	001.00	Director	$0	$0	$0
Jeannette Price	Trustee	001.00	Director	$0	$0	$0
Susan Kleinfelder	President	005.00	Officer	$0	$0	$0
Ellen Manfredi	Secretary	005.00	Officer	$0	$0	$0
Robert Hersey	Vice President	002.00	Officer	$0	$0	$0
Beverly Feml	Treasurer	005.00	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
2025	No data	No data	No data	No data
2024	$226,072	$263,465	$1,946,814	$-37,393
2023	$185,274	$250,546	$1,993,088	$-65,272
2022	$185,027	$244,517	$2,067,098	$-59,490
2021	$197,691	$226,566	$2,133,252	$-28,875
2020	$171,307	$211,562	$2,167,276	$-40,255
2019	$162,745	$210,562	$2,215,188	$-47,817
2018	$133,116	$208,457	$2,269,812	$-75,341

Mountain Top Library