RACHEL KOHL COMMUNITY 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

1979

Legal Domicile

Principal Officer

JENNIFER PANARO

Phone

6103583445

Tax Period

2024-01-01 to 2024-12-31

RACHEL KOHL COMMUNITY LIBRARY, founded in 1979, is a small nonprofit that reported $685K in total revenue in fiscal year 2024. Revenue surged 32% from the prior year, signaling strong growth momentum. The organization ran a surplus of $180K, a strong 26% operating margin.

Mission

RACHEL KOHL COMMUNITY LIBRARY, INC (THE LIBRARY) IS A NONPROFIT ORGANIZATION THAT WAS ORGANIZED AS A NONPROFIT ORGANIZATION UNDER THE LAWS OF THE COMMONWEALTH OF PENNSYLVANIA IN 1979. ITS STATED PURPOSE IS TO PROVIDE A PUBLIC LIBRARY TO THE RESIDENTS IN THE COMMUNITIES OF BETHEL TOWNSHIP, CHADDS FORD TOWNSHIP, CHESTER HEIGHTS BOROUGH, CONCORD TOWNSHIP AND THORNBURY TOWNSHIP.

Program Service Accomplishments

Program 1

Expenses: $411,554 Revenue: $22,825

THE LIBRARY PROVIDES VARIOUS SERVICES FOR THE COMMUNITY AS A FULL SERVICE PUBLIC LIBRARY.

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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 $648,159

Program Service Revenue $22,825

Investment Income $14,089

Other Revenue $0

TOTAL REVENUE $685,073

Expense Breakdown

Grants Paid $0

Salaries & Benefits $329,533

Fundraising Expenses $9,837

Program Expenses $411,554

Other Expenses $175,680

TOTAL EXPENSES $505,213

Year-over-Year Comparison

	2024	2023	Change
Revenue	$685,073	$519,964	+0.3%
Expenses	$505,213	$471,274	+0.1%
Net Income	$179,860	$48,690	+2.7%

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

$89,928

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
SUSAN STERNBERG	SEE SCHEDULE	40.00	Officer	$89,928	$0	$89,928
NICK ALTAMURO	BOARD MEMBER	1.00	Director	$0	$0	$0
JAMES BREEN	SEE SCHEDULE	1.00	Officer Director	$0	$0	$0
KATHY GORMAN	BOARD MEMBER	1.00	Director	$0	$0	$0
ANGELA HORSTMANN	BOARD MEMBER	1.00	Director	$0	$0	$0
JEAN MACKENZIE	SEE SCHEDULE	1.00	Officer Director	$0	$0	$0
DEBBIE MILLER	BOARD MEMBER	1.00	Director	$0	$0	$0
JENNIFER PANARO	SEE SCHEDULE	2.00	Officer Director	$0	$0	$0
SALEEM SHAIK	BOARD MEMBER	1.00	Director	$0	$0	$0
GARRICK WEAVER	BOARD MEMBER	1.00	Director	$0	$0	$0
RAYNA WHITRIGHT	SEE SCHEDULE	40.00	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	$685,073	$505,213	$1,419,606	$179,860
2023	$519,964	$471,274	$1,242,127	$48,690
2022	$528,614	$413,330	$1,206,967	$115,284
2021	$725,081	$374,942	$1,095,444	$350,139
2020	$527,096	$361,915	$809,332	$165,181
2019	$551,732	$421,948	$608,558	$129,784
2018	$534,086	$371,088	$496,502	$162,998