MT CARMEL PUBLIC LIBRARY INC

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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

1961

Legal Domicile

Principal Officer

WALTER KOZLOWSKI

Phone

5703390703

Tax Period

2025-01-01 to 2025-12-31

MT CARMEL PUBLIC LIBRARY INC, founded in 1961, is a small nonprofit that reported $142K in total revenue in fiscal year 2025. Revenue surged 21% from the prior year, signaling strong growth momentum. Expenses of $168K exceeded revenue, resulting in a 18% operating deficit.

Mission

TO IMPROVE AND ENRICH THE LIVES OF OUR PATRONS BY PROVIDING QUALITY COLLECTIONS OF INFORMATION IN EDUCATION AND RECREATION. THE LIBRARY ASSURES PUBLIC OWNERSHIP OF PRINTED COLLECTIONS AND DIGITAL RESOURCES IN A SAFE GATHERING SPACE TO PROMOTE THE DEVELOPMENT OF LITERATE AND INFORMED CITIZENS.

Program Service Accomplishments

Program 1

Expenses: $148,733

FULL SERVICE PUBLIC LIBRARY SERVING THE BOROUGH OF MOUNT CARMEL AND SURROUNDING COMMUNITIES AND THE MOUNT CARMEL AREA SCHOOL DISTRICT

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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 $122,916

Program Service Revenue $0

Investment Income $14,022

Other Revenue $4,975

TOTAL REVENUE $141,913

Expense Breakdown

Grants Paid $0

Salaries & Benefits $62,632

Fundraising Expenses $0

Program Expenses $148,733

Other Expenses $104,919

TOTAL EXPENSES $167,551

Year-over-Year Comparison

	2025	2024	Change
Revenue	$141,913	$117,764	+0.2%
Expenses	$167,551	$97,066	+0.7%
Net Income	$-25,638	$20,698	-2.2%

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

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
HELENE BOYLAN	BOARD MEMBER	1.00	Director	$0	$0	$0
JUSTIN SKAVERY	BOARD MEMBER	1.00	Director	$0	$0	$0
ROSE MARQUARDT	BOARD MEMBER	1.00	Director	$0	$0	$0
KATRINA VENNA	BOARD MEMBER	1.00	Director	$0	$0	$0
WALTER KOZLOWSKI	President	2.00	Officer	$0	$0	$0
JACOB BETZ	Secretary	1.00	Officer	$0	$0	$0
CATHY BESSER	Treasurer	1.00	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
2025	$141,913	$167,551	$471,576	$-25,638
2024	$117,764	$97,066	$497,703	$20,698
2023	$157,546	$111,706	$476,848	$45,840
2022	$164,815	$159,200	$430,964	$5,615
2021	$190,401	$102,094	$467,527	$88,307
2020	$180,098	$96,588	$405,714	$83,510
2018	$92,035	$115,742	$265,859	$-23,707