SCHUYLKILL HAVEN FREE PUBLIC LIBRARY TUA C/O BRYN MAWR TRUST CO (EIN 236575007) - 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

1974

Legal Domicile

Principal Officer

JESSE S ASHCROFT

Phone

7175205663

Tax Period

2024-09-01 to 2025-08-31

SCHUYLKILL HAVEN FREE PUBLIC LIBRARY TUA C/O BRYN MAWR TRUST CO, founded in 1974, is a micro nonprofit that reported $98K in total revenue in fiscal year 2024. Revenue fell 71% from the prior year — a significant decline worth monitoring. The organization ran a surplus of $23K, a strong 24% operating margin.

Mission

THE SCHUYLKILL HAVEN FREE PUBLIC LIBRARY TRUST PROVIDES SUPPORT TO THE SCHUYLKILL HAVEN FREE PUBLIC LIBRARY. THE LIBRARY WAS STARTED IN 1934 WITH A KIT FURNISHED BY THE STATE GOVERNMENT UNDER THE EDUCATIONAL EMERGENCY RELIEF ACT AND BOOKS DONATED BY THE COMMUNITY TO SERVE THE CITIZENS OF SCHUYLKILL HAVEN,PA AREA.

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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 $0

Program Service Revenue $0

Investment Income $97,880

Other Revenue $0

TOTAL REVENUE $97,880

Expense Breakdown

Grants Paid $50,000

Salaries & Benefits $24,780

Fundraising Expenses $0

Program Expenses $50,000

Other Expenses $23

TOTAL EXPENSES $74,803

Year-over-Year Comparison

	2024	2023	Change
Revenue	$97,880	$342,773	-0.7%
Expenses	$74,803	$68,272	+0.1%
Net Income	$23,077	$274,501	-0.9%

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

N/A

Volunteers

N/A

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
N/A	TRUSTEE	3.00		$24,780	$0	$24,780

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	$97,880	$74,803	$2,683,859	$23,077
2024	$342,773	$68,272	$2,660,782	$274,501
2023	$97,270	$75,477	$2,386,280	$21,793
2022	$113,433	$61,194	$2,364,487	$52,239
2021	$192,373	$67,609	$2,312,248	$124,764
2020	$42,456	$52,641	$2,187,484	$-10,185
2019	$90,982	$56,709	$2,197,669	$34,273
2018	$612,290	$62,973	$2,163,396	$549,317

SCHUYLKILL HAVEN FREE PUBLIC LIBRARY TUA C/O BRYN MAWR TRUST CO