DAVID A HOWE PUBLIC LIBRARY (EIN 160743046) - 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

1910

Legal Domicile

Phone

5855933410

Tax Period

2025-01-01 to 2025-12-31

DAVID A HOWE PUBLIC LIBRARY, founded in 1910, is a small nonprofit in the Education sector that reported $821K in total revenue in fiscal year 2025. Revenue fell 41% from the prior year — a significant decline worth monitoring. Net assets of $5.4M represent 79 months of operating reserves.

Mission

THE ORGANIZATION PROVIDES BOOK-LENDING SERVICES AS WELL AS OTHER EDUCATIONAL AND INFORMATIVE SERVICES TO THE LOCAL 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 $698,843

Program Service Revenue $18,255

Investment Income $103,492

Other Revenue $0

TOTAL REVENUE $820,590

Expense Breakdown

Grants Paid $0

Salaries & Benefits $547,090

Fundraising Expenses $0

Program Expenses $729,631

Other Expenses $278,406

TOTAL EXPENSES $825,496

Year-over-Year Comparison

	2025	2024	Change
Revenue	$820,590	$1,398,184	-0.4%
Expenses	$825,496	$795,502	+0.0%
Net Income	$-4,906	$602,682	-1.0%

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

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
NIC GUNNING	EXECUTIVE DIRECTOR	35.00		$76,078	$0	$76,078
MADELEINE GASDIK	Trustee	2.00	Director	$0	$0	$0
DON COMSTOCK	President	5.00	Officer Director	$0	$0	$0
NANCY REUNING	Treasurer	2.00	Officer Director	$0	$0	$0
NORA BURDICK	Trustee	2.00	Director	$0	$0	$0
TOM REUNING	Trustee	2.00	Director	$0	$0	$0
TIM COLLIGAN	Trustee	2.00	Director	$0	$0	$0
EMILY PEAVEY	Vice President	2.00	Officer Director	$0	$0	$0
JODI PEARSON	Secretary	2.00	Officer Director	$0	$0	$0
KRIS GREEN	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	$820,590	$825,496	$6,181,915	$-4,906
2024	$1,398,184	$795,502	$5,824,389	$602,682
2024	$1,398,184	$795,502	$5,824,389	$602,682
2023	$858,672	$747,284	$4,995,997	$111,388
2022	$664,584	$740,640	$4,222,082	$-76,056
2021	$694,851	$661,225	$5,136,689	$33,626
2020	$538,286	$639,339	$4,823,552	$-101,053
2019	$718,535	$702,296	$4,857,212	$16,239
2018	$430,469	$702,184	$4,616,515	$-271,715

DAVID A HOWE PUBLIC LIBRARY