INTERCOURSE 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

1988

Legal Domicile

Principal Officer

MICHELE LICHTY

Phone

7177683160

Tax Period

2024-01-01 to 2024-12-31

INTERCOURSE LIBRARY INC, founded in 1988, is a small nonprofit in the Arts, Culture & Humanities sector that reported $278K in total revenue in fiscal year 2024. Expenses of $321K exceeded revenue, resulting in a 16% operating deficit.

Mission

THE ORGANIZATION PROVIDES LIBRARY SERVICES MEETING INFORMATIONAL, EDUCATIONAL,AND RECREATIONAL NEEDS OF THE GENERAL PUBLIC AT ITS TWO LOCATIONS IN INTERCOURSE AND GAP, PENNSYLVANIA.

Program Service Accomplishments

Program 1

Expenses: $265,918 Revenue: $21,781

THE ORGANIZATION PROVIDES LIBRARY SERVICES MEETING INFORMATIONAL, EDUCATIONAL,AND RECREATIONAL NEEDS OF THE GENERAL PUBLIC AT ITS TWO LOCATIONS IN INTERCOURSE AND GAP, PENNSYLVANIA.

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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 $222,757

Program Service Revenue $21,781

Investment Income $7,173

Other Revenue $26,592

TOTAL REVENUE $278,303

Expense Breakdown

Grants Paid $0

Salaries & Benefits $199,711

Fundraising Expenses $12,082

Program Expenses $265,918

Other Expenses $121,773

TOTAL EXPENSES $321,484

Year-over-Year Comparison

	2024	2023	Change
Revenue	$278,303	$259,404	+0.1%
Expenses	$321,484	$333,605	0.0%
Net Income	$-43,181	$-74,201	-0.4%

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

$60,408

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
MICHELE LICHTY	PRESIDENT	5.00	Officer Director	$0	$0	$0
TAMMY MCCAULEY	VICE PRESIDE	5.00	Officer Director	$0	$0	$0
KATHY BOLTON	TREASURER	5.00	Officer Director	$0	$0	$0
LAURA SANCHEZ	SECRETARY	5.00	Officer Director	$0	$0	$0
BARBARA THOMPSON	BOARD MEMBER	2.00	Director	$0	$0	$0
COLLEEN THOMPSON	BOARD MEMBER	2.00	Director	$0	$0	$0
SADIE EBERSOL	BOARD MEMBER	2.00	Director	$0	$0	$0
CHARLENE BOAS	BOARD MEMBER	2.00	Director	$0	$0	$0
MARY ALICE HIGH	BOARD MEMBER	2.00	Director	$0	$0	$0
CATHERINE O'SULLIVAN	EXECUTIVE DI	40.00	Officer	$60,408	$0	$60,408

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	$278,303	$321,484	$1,063,319	$-43,181
2023	$259,404	$333,605	$1,107,859	$-74,201
2022	$269,349	$315,798	$1,181,321	$-46,449
2021	$230,756	$270,231	$1,226,498	$-39,475
2020	$302,908	$238,841	$1,265,406	$64,067
2019	$208,283	$249,895	$1,188,991	$-41,612
2018	$218,898	$249,660	$1,230,694	$-30,762