GERMANTOWN LIBRARY (EIN 222434364) - 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

1948

Legal Domicile

Principal Officer

GABRIELLE BALKAN

Phone

5185375800

Tax Period

2024-01-01 to 2024-12-31

GERMANTOWN LIBRARY, founded in 1948, is a small nonprofit that reported $200K in total revenue in fiscal year 2024. Revenue grew 12% year-over-year, indicating healthy expansion. Expenses of $191K left a modest 5% surplus.

Mission

MAINTAIN AND IMPROVE THE QUALITY OF LIFE FOR ALL CITIZENS OF OUR COMMUNITY BY PROVIDING RESOURCES THAT ENHANCE AND CONTRIBUTE TO INDIVIDUAL KNOWLEDGE, ENLIGHTENMENT AND ENJOYMENT IN THE MOST EFFICIENT MANNER POSSIBLE.

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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 $169,523

Program Service Revenue $6,243

Investment Income $698

Other Revenue $24,011

TOTAL REVENUE $200,475

Expense Breakdown

Grants Paid $6,444

Salaries & Benefits $89,739

Fundraising Expenses $6,902

Program Expenses $182,819

Other Expenses $94,618

TOTAL EXPENSES $190,801

Year-over-Year Comparison

	2024	2023	Change
Revenue	$200,475	$178,905	+0.1%
Expenses	$190,801	$230,148	-0.2%
Net Income	$9,674	$-51,243	-1.2%

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
CYNTHIA ANDRUS	TREASURER	1.00	Officer Director	$0	$0	$0
GABRIELLE BALKAN	PRESIDENT	1.00	Officer Director	$0	$0	$0
OLGA DEKALO	TRUSTEE	1.00	Director	$0	$0	$0
MARIANA GRACIANO	TRUSTEE	1.00	Director	$0	$0	$0
MARY HOWARD	VICE PRESIDE	1.00	Officer Director	$0	$0	$0
THORNTON LEWIS	SECRETARY	1.00	Officer Director	$0	$0	$0
LAUREN MONTGOMERY	TRUSTEE	1.00	Director	$0	$0	$0
KASEY SHUMWAY	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	No data	No data	No data	No data
2024	$200,475	$190,801	$676,775	$9,674
2023	$178,905	$230,148	$667,201	$-51,243
2022	$172,495	$190,252	$716,989	$-17,757
2021	$172,762	$176,448	$734,746	$-3,686
2020	$157,265	$163,951	$739,306	$-6,686
2019	$170,921	$194,201	$747,450	$-23,280
2018	$153,451	$200,760	$770,096	$-47,309

GERMANTOWN LIBRARY