ELIZABETHTOWN PUBLIC LIBRARY (EIN 231628480) - 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

1959

Legal Domicile

Principal Officer

DAVID KRUFT

Phone

7173677467

Tax Period

2025-01-01 to 2025-12-31

ELIZABETHTOWN PUBLIC LIBRARY, founded in 1959, is a small nonprofit in the Education sector that reported $875K in total revenue in fiscal year 2025. Revenue fell 61% from the prior year — a significant decline worth monitoring. Expenses of $969K exceeded revenue, resulting in a 11% operating deficit.

Mission

MAKING DREAMS COME TRUE: EDUCATING, EMPOWERING, AND ENRICHING THE GREATER ELIZABETHTOWN AREA BY STIMULATING LEARNING, LITERACY, AND THE ACQUISITION OF KNOWLEDGE THROUGH THE PROVISION OF EDUCATIONAL, INFORMATIONAL, AND RECREATIONAL BOOKS, RESOURCES, AND 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 $561,437

Program Service Revenue $251,662

Investment Income $41,722

Other Revenue $19,874

TOTAL REVENUE $874,695

Expense Breakdown

Grants Paid $0

Salaries & Benefits $497,379

Fundraising Expenses $33,006

Program Expenses $794,722

Other Expenses $471,424

TOTAL EXPENSES $968,803

Year-over-Year Comparison

	2025	2024	Change
Revenue	$874,695	$2,265,116	-0.6%
Expenses	$968,803	$829,913	+0.2%
Net Income	$-94,108	$1,435,203	-1.1%

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

115

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

$85,297

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
DEBORAH DRURY	EXECUTIVE DI	40.00	Officer	$62,969	$22,328	$85,297
MARIAN FETTER	TRUSTEE	1.00	Director	$0	$0	$0
CATHERINE HECKER	TRUSTEE	1.00	Director	$0	$0	$0
MICHAEL HENCH	TRUSTEE	1.00	Director	$0	$0	$0
DAVID KRUFT	CHAIR	3.00	Officer Director	$0	$0	$0
CHRISTIN SHENK	VICE CHAIR	1.00	Officer Director	$0	$0	$0
BRETT THACKARA	TRUSTEE	2.00	Director	$0	$0	$0
JEFF WINTERBORNE	TRUSTEE	2.00	Director	$0	$0	$0
MARY SUSAN ZEAGER	TRUSTEE	1.00	Director	$0	$0	$0
JORDAN ZIEGLER	SECRETARY/TR	1.00	Officer 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	$874,695	$968,803	$3,588,019	$-94,108
2024	$2,265,116	$829,913	$3,535,312	$1,435,203
2023	$750,905	$821,205	$2,367,526	$-70,300
2022	$707,809	$800,915	$2,442,863	$-93,106
2021	$591,759	$662,290	$2,562,250	$-70,531
2020	$738,449	$678,422	$2,640,953	$60,027
2019	$724,232	$699,856	$2,593,845	$24,376
2018	$613,901	$702,182	$2,578,906	$-88,281

ELIZABETHTOWN PUBLIC LIBRARY