HAVERFORD TOWNSHIP FREE LIBRARY ASSOCIATION (EIN 231405596) - 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

1934

Legal Domicile

Principal Officer

SUKRIT GOSWAMI

Phone

6104463082

Tax Period

2023-01-01 to 2023-12-31

HAVERFORD TOWNSHIP FREE LIBRARY ASSOCIATION, founded in 1934, is a community nonprofit that reported $1.6M in total revenue in fiscal year 2023.

Mission

TO PROVIDE RESIDENTS OF THE TOWNSHIP OF HAVERFORD, AS WELL AS THE PUBLIC AT LARGE, WITH EXEMPLARY ACCESS TO THE BROADEST POSSIBLE RANGE OF RESOURCES, PROGRAMS AND SERVICES THAT ENHANCE AND ENRICH THEIR LIVES.

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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 (2023)

Revenue Breakdown

Contributions & Grants $1,570,713

Program Service Revenue $19,969

Investment Income $9,726

Other Revenue $6,655

TOTAL REVENUE $1,607,063

Expense Breakdown

Grants Paid $0

Salaries & Benefits $1,017,673

Fundraising Expenses $14,846

Program Expenses $1,709,649

Other Expenses $706,822

TOTAL EXPENSES $1,724,495

Year-over-Year Comparison

	2023	2022	Change
Revenue	$1,607,063	$1,534,767	+0.0%
Expenses	$1,724,495	$1,293,149	+0.3%
Net Income	$-117,432	$241,618	-1.5%

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

$129,663

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
SUKRIT GOSWAMI	LIBRARY DIRE	35.00	Officer	$96,713	$32,950	$129,663
PHIL GOLDSMITH	PRESIDENT	11.00	Officer Director	$0	$0	$0
MARGARET FOX-TULLY	VICE-PRESIDE	2.00	Officer Director	$0	$0	$0
DEBORAH CELLA	TREASURER	4.00	Officer Director	$0	$0	$0
ALYCE CALLISON	SECRETARY	2.00	Officer Director	$0	$0	$0
DEB MORLEY	TRUSTEE	2.00	Director	$0	$0	$0
JOHN SCOTT LOWE	TRUSTEE	4.00	Director	$0	$0	$0
DEIDRE CRYOR	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
2024	No data	No data	No data	No data
2023	$1,607,063	$1,724,495	$2,824,274	$-117,432
2022	$1,534,767	$1,293,149	$2,952,475	$241,618
2021	$1,521,288	$1,280,556	$2,686,389	$240,732
2020	$1,733,404	$1,244,863	$2,402,546	$488,541
2019	$1,475,043	$1,278,043	$1,917,013	$197,000
2018	$1,498,273	$1,400,725	$1,716,352	$97,548

HAVERFORD TOWNSHIP FREE LIBRARY ASSOCIATION