J LEWIS CROZER 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

1977

Legal Domicile

Principal Officer

ANTHONY MITCHELL

Phone

6104943454

Tax Period

2024-01-01 to 2024-12-31

J LEWIS CROZER LIBRARY, founded in 1977, is a small nonprofit that reported $682K in total revenue in fiscal year 2024. Revenue grew 13% year-over-year, indicating healthy expansion. Expenses of $656K left a modest 4% surplus.

Mission

TOGETHER, WE EMPOWER CHESTER AND SURROUNDING AREAS BY ENSURING EQUITABLE ACCESS TO INFORMATION, IDEAS, AND OPPORTUNITIES, AND BY FOSTERING WELCOMING ENVIRONMENTS THAT NURTURE LIFELONG LEARNING, BUILD MEANINGFUL CONNECTIONS, AND STRENGTHEN OUR COMMUNITIES.

Program Service Accomplishments

Program 1

Expenses: $513,699 Revenue: $21,520

THE LIBRARY OFFERS A DIVERSE RANGE OF EXPERIENCES AND LEARNING OPPORTUNITIES THROUGH COMMUNITY-FOCUSED PROGRAMS AND SERVICES. IN ADDITION TO AN EXTENSIVE PRINT COLLECTION, THE LIBRARY PROVIDES...

THE LIBRARY OFFERS A DIVERSE RANGE OF EXPERIENCES AND LEARNING OPPORTUNITIES THROUGH COMMUNITY-FOCUSED PROGRAMS AND SERVICES. IN ADDITION TO AN EXTENSIVE PRINT COLLECTION, THE LIBRARY PROVIDES COMPLIMENTARY WI-FI, PUBLIC COMPUTER ACCESS, LENDABLE HOTSPOTS, A WIDE SELECTION OF FREE ELECTRONIC RESOURCES, AND EVEN AN OUTDOOR STORYWALK. AT ITS CORE, THE J. LEWIS CROZER LIBRARY REMAINS COMMITTED TO CREATING AN ENVIRONMENT THAT ENCOURAGES EXPLORATION, CREATIVITY, CONNECTION, AND EMPOWERMENT.

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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 $586,964

Program Service Revenue $12,035

Investment Income $56,157

Other Revenue $26,847

TOTAL REVENUE $682,003

Expense Breakdown

Grants Paid $0

Salaries & Benefits $410,182

Fundraising Expenses $0

Program Expenses $513,699

Other Expenses $245,399

TOTAL EXPENSES $655,581

Year-over-Year Comparison

	2024	2023	Change
Revenue	$682,003	$603,003	+0.1%
Expenses	$655,581	$646,511	+0.0%
Net Income	$26,422	$-43,508	-1.6%

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

$67,754

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
WILLIE WELLS	BOARD MEMBER	2.00	Director	$0	$0	$0
KATHLEEN L HORNBERGER PHD	BOARD MEMBER	2.00	Director	$0	$0	$0
MATTHEW H ALLEN	BOARD MEMBER	2.00	Director	$0	$0	$0
RICHARD ELAM	BOARD MEMBER	2.00	Director	$0	$0	$0
ROSCOE GREEN	BOARD MEMBER	2.00	Director	$0	$0	$0
MARK VACHA	BOARD MEMBER	2.00	Director	$0	$0	$0
LAUREN E SANDS	EXEC DIRECTOR	40.00	Director	$67,754	$0	$67,754
BETHANNE HARRIS	BOARD MEMBER	2.00	Director	$0	$0	$0
CAROL FOSTER-ALLEN	PRESIDENT	2.00	Officer	$0	$0	$0
YVETTE M ROGERS ESQ	SECRETARY	2.00	Officer	$0	$0	$0
JOSEPH J SAUNDERS	VICE PRESIDENT	2.00	Officer	$0	$0	$0
ANTHONY MITCHELL	TREASURER	2.00	Officer	$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
2024	$682,003	$655,581	$2,000,300	$26,422
2023	$603,003	$646,511	$1,866,541	$-43,508
2022	$577,943	$599,963	$1,775,969	$-22,020
2021	$771,088	$594,948	$2,098,503	$176,140
2020	$938,723	$573,442	$1,942,368	$365,281
2019	$596,024	$584,555	$1,420,864	$11,469
2018	$676,222	$553,042	$1,319,769	$123,180