Schoharie Free Library Assocation

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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

1959

Legal Domicile

Principal Officer

Vanessa Repicky

Phone

5182957127

Tax Period

2024-01-01 to 2024-12-31

Schoharie Free Library Assocation, founded in 1959, is a small nonprofit in the Education sector that reported $206K in total revenue in fiscal year 2024. Revenue surged 32% from the prior year, signaling strong growth momentum. Net assets of $941K represent 55 months of operating reserves.

Mission

Library Association To help patrons obtain information that meets their personal, educational and professional needs.

Program Service Accomplishments

Program 1

Expenses: $198,140 Revenue: $162,714

Loan Books, audio cassettes, magazines and other printed material as well as audio visual material to patrons, both locally and via inter-library loans.

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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 $40,729

Program Service Revenue $147,754

Investment Income $14,960

Other Revenue $2,607

TOTAL REVENUE $206,050

Expense Breakdown

Grants Paid $100

Salaries & Benefits $81,243

Fundraising Expenses $0

Program Expenses $198,140

Other Expenses $131,276

TOTAL EXPENSES $212,619

Year-over-Year Comparison

	2024	2023	Change
Revenue	$206,050	$155,536	+0.3%
Expenses	$212,619	$194,286	+0.1%
Net Income	$-6,569	$-38,750	-0.8%

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

$52,127

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Vanessa Repicky	Treasurer	10.00	Officer Director	$0	$0	$0
Brideen Finegan	Secretary	5.00	Officer Director	$0	$0	$0
Toni Schaeffer	Vice President	5.00	Officer Director	$0	$0	$0
Jacquelyn Hadam	President	5.00	Officer Director	$0	$0	$0
Amanda Maleszweski	Trustee	5.00	Director	$0	$0	$0
Susan Conroy	Trustee	5.00	Director	$0	$0	$0
Heather Kamin	Trustee	5.00	Director	$0	$0	$0
Yapha Mason	Trustee	5.00	Director	$0	$0	$0
Kate McKenney	Trustee	5.00	Director	$0	$0	$0
Yvonne Keller-Baker	Director	35.00	Key Emp	$52,127	$0	$52,127

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
2024	$206,050	$212,619	$940,567	$-6,569
2023	$155,536	$194,286	$925,241	$-38,750
2022	$172,873	$180,395	$926,970	$-7,522
2021	$133,208	$142,264	$973,014	$-9,056
2020	$191,444	$130,786	$926,915	$60,658
2019	$48,203	$150,527	$851,779	$-102,324
2018	$83,220	$121,531	$905,518	$-38,311