GREENWICH FREE LIBRARY (EIN 146023701) - 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

1990

Principal Officer

SARAH MURPHY

Phone

5186927157

Tax Period

2025-01-01 to 2025-12-31

GREENWICH FREE LIBRARY, founded in 1990, is a small nonprofit in the Education sector that reported $377K in total revenue in fiscal year 2025. Revenue decreased 9% compared to the prior year. Expenses of $324K left a modest 14% surplus.

Mission

TO PROVIDE FREE LIBRARY SERVICES AND COMPUTER ACCESS TO THE COMMUNITY.

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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 $200,288

Program Service Revenue $166,773

Investment Income $9,669

Other Revenue $0

TOTAL REVENUE $376,730

Expense Breakdown

Grants Paid $0

Salaries & Benefits $168,531

Fundraising Expenses $0

Program Expenses $235,988

Other Expenses $155,615

TOTAL EXPENSES $324,146

Year-over-Year Comparison

	2025	2024	Change
Revenue	$376,730	$413,654	-0.1%
Expenses	$324,146	$298,647	+0.1%
Net Income	$52,584	$115,007	-0.5%

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

$55,897

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
SARAH MURPHY	EXECUTIVE DI	40.00	Officer	$55,897	$0	$55,897
PATRICE ABATE	PRESIDENT	1.00	Officer Director	$0	$0	$0
CLIFF OLIVER-MEALY	VICE PRESIDE	1.00	Officer Director	$0	$0	$0
MARY ANN SPIEZIO	SECRETARY	1.00	Officer Director	$0	$0	$0
ELLEN FRONHOFER	TREASURER	1.00	Officer Director	$0	$0	$0
TONY JORDAN	TRUSTEE	1.00	Officer Director	$0	$0	$0
AARON NORTHRUP	TRUSTEE	1.00	Director	$0	$0	$0
TERI PENDERGRASS	TRUSTEE	1.00	Director	$0	$0	$0
LYNNE WEYGINT	TRUSTEE	1.00	Director	$0	$0	$0
CHRISTINE RICHARDS	TRUSTEE	1.00	Director	$0	$0	$0
BRIE GAYNAIR	TRUSTEE	1.00	Director	$0	$0	$0
SUZANNE SEAY	TRUSTEE	1.00	Director	$0	$0	$0
PAUL THURSTON	TRUSTEE	1.00	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	$376,730	$324,146	$1,847,811	$52,584
2024	$413,654	$298,647	$1,767,278	$115,007
2023	$239,989	$291,059	$1,753,002	$-51,070
2022	$301,157	$258,694	$1,664,903	$42,463
2021	$281,284	$201,185	$1,681,135	$80,099
2020	$313,841	$296,465	$1,575,113	$17,376
2019	$533,529	$230,470	$1,039,918	$303,059
2018	$454,522	$231,745	$736,859	$222,777

GREENWICH FREE LIBRARY