NORTHUMBERLAND PUBLIC LIBRARY (EIN 237057576) - Form 990 Financial Analysis & Trantor Score

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Tuckman-Chang Vulnerability Assessment

4 risk indicators measuring financial stability and operational resilience

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Financial Trends

Organization Details

Formation Year

1982

Legal Domicile

Principal Officer

MONTE LAKE

Phone

8045805051

Tax Period

2024-07-01 to 2025-06-30

NORTHUMBERLAND PUBLIC LIBRARY, founded in 1982, is a small nonprofit in the Education sector that reported $312K in total revenue in fiscal year 2018. Revenue decreased 12% compared to the prior year. Expenses of $362K exceeded revenue, resulting in a 16% operating deficit.

Mission

TO PROVIDE LIBRARY MATERIALS, SERVICES, PROGRAMS AND FACILITIES TO THE DIVERSE GROUPS IT SERVES.

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Trantor Score

Financial Health & Payment Capacity Assessment (FICO Scale: 300–850)

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Liquidity (40%) • Solvency (30%) • Sustainability (20%) • Efficiency (10%)

Financial Overview (2024)

Revenue Breakdown

Contributions & Grants $492,564

Program Service Revenue $38,153

Investment Income $3,023

Other Revenue $0

TOTAL REVENUE $533,740

Expense Breakdown

Grants Paid $0

Salaries & Benefits $284,294

Fundraising Expenses $0

Program Expenses $434,980

Other Expenses $242,566

TOTAL EXPENSES $526,860

Year-over-Year Comparison

	2024	2023	Change
Revenue	$533,740	$478,428	+0.1%
Expenses	$526,860	$500,139	+0.1%
Net Income	$6,880	$-21,711	-1.3%

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

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
BRYNA BRENNAN	TRUSTEE	1.00	Director	$0	$0	$0
ROXSEY DAMERON	VICE-PRESIDE	1.00	Officer Director	$0	$0	$0
MICHELLE GORDON	TRUSTEE	1.00	Director	$0	$0	$0
MONTE LAKE	PRESIDENT	1.00	Officer Director	$0	$0	$0
JAMES LANDRUM	TRUSTEE	1.00	Director	$0	$0	$0
DEBRA MATTERA	TRUSTEE	1.00	Director	$0	$0	$0
TEMPLE MOORE	TRUSTEE	1.00	Director	$0	$0	$0
DANA NICHOLAS	SECRETARY	1.00	Officer Director	$0	$0	$0
PEGGY NOLTING	TREASURER	1.00	Officer Director	$0	$0	$0
SUSAN RUBERRY	TRUSTEE	1.00	Director	$0	$0	$0
DONNA SPITZER	TRUSTEE	1.00	Director	$0	$0	$0
HOLLY WARGO	TRUSTEE	1.00	Director	$0	$0	$0
HOYT WHEELNAD	TRUSTEE	1.00	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	$533,740	$526,860	$1,468,725	$6,880
2024	$478,428	$500,139	$1,410,433	$-21,711
2023	$539,736	$435,716	$1,376,106	$104,020
2022	$478,679	$455,066	$1,261,098	$23,613
2021	$427,052	$407,183	$1,285,421	$19,869
2020	$379,672	$390,466	$1,137,364	$-10,794
2019	$311,979	$361,960	$1,116,299	$-49,981

NORTHUMBERLAND PUBLIC LIBRARY