CUBA CIRCULATING 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

1872

Legal Domicile

Phone

5859681668

Tax Period

2025-01-01 to 2025-12-31

CUBA CIRCULATING LIBRARY, founded in 1872, is a small nonprofit in the Education sector that reported $505K in total revenue in fiscal year 2025. Revenue decreased 11% compared to the prior year. The organization ran a surplus of $111K, a strong 22% operating margin.

Mission

To provide education of area residents primarily through the circulation of books and periodicals along with writing and reading programs

Program Service Accomplishments

Program 1

Expenses: $332,238 Revenue: $504,685

Provided access to books and periodicals along with various writing and reading programs

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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 $365,232

Program Service Revenue $5,552

Investment Income $133,901

Other Revenue $0

TOTAL REVENUE $504,685

Expense Breakdown

Grants Paid $0

Salaries & Benefits $207,881

Fundraising Expenses $0

Program Expenses $332,238

Other Expenses $185,436

TOTAL EXPENSES $393,317

Year-over-Year Comparison

	2025	2024	Change
Revenue	$504,685	$565,800	-0.1%
Expenses	$393,317	$405,094	0.0%
Net Income	$111,368	$160,706	-0.3%

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
Tina Dalton	Director	40.00		$62,350	$0	$62,350
Lauren Mosgrove	Financial Ofc.	1.00	Officer Director	$0	$0	$0
Paul Tsujimoto	Vice President	1.00	Officer Director	$0	$0	$0
Denean Emerson	Director	1.00	Director	$0	$0	$0
Jill Schwab	Director	1.00	Director	$0	$0	$0
Sue Feldbauer	Director	1.00	Director	$0	$0	$0
Marsha Long	Director	1.00	Director	$0	$0	$0
Jacqueline Gertner	Director	1.00	Director	$0	$0	$0
Scott Sackett	Director	1.00	Director	$0	$0	$0
Faith Stewart	President	1.00	Officer Director	$0	$0	$0
Emily Zayac	Director	1.00	Director	$0	$0	$0
Brad Weaver	Secretary	1.00	Officer Director	$0	$0	$0
Mik Farkas	Director	1.00	Director	$0	$0	$0
Lee James	Director	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	$504,685	$393,317	$1,826,595	$111,368
2024	$565,800	$405,094	$1,737,679	$160,706
2023	$501,646	$362,055	$1,535,929	$139,591
2022	$350,298	$355,686	$1,393,475	$-5,388
2021	$374,511	$348,550	$1,577,576	$25,961
2020	$258,402	$263,071	$1,485,616	$-4,669
2019	$228,552	$269,505	$1,469,841	$-40,953
2018	$235,810	$220,733	$1,477,448	$15,077