THETFORD LIBRARY FEDERATION 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

1972

Legal Domicile

Tax Period

2024-07-01 to 2025-06-30

THETFORD LIBRARY FEDERATION INC, founded in 1972, is a small nonprofit that reported $185K in total revenue in fiscal year 2024. Revenue grew 19% year-over-year, indicating healthy expansion. Expenses of $169K left a modest 9% surplus.

Mission

TO PROVIDE PUBLIC LIBRARY SERVICES TO THE COMMUNITY

Program Service Accomplishments

Program 1

Expenses: $169,237 Revenue: $185,304

TO PROVIDE PUBLIC LIBRARY SERVICES TO THE COMMUNITY

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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 $175,315

Program Service Revenue $0

Investment Income $9,989

Other Revenue $0

TOTAL REVENUE $185,304

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $169,237

Other Expenses $169,237

TOTAL EXPENSES $169,237

Year-over-Year Comparison

	2024	2023	Change
Revenue	$185,304	$155,111	+0.2%
Expenses	$169,237	$222,543	-0.2%
Net Income	$16,067	$-67,432	-1.2%

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

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
MARY WUNDERLICH	TRUSTEE	1.00	Director	$0	$0	$0
PETER BLODGETT	TRUSTEE	1.00	Director	$0	$0	$0
RUTH MACKINNON	TRUSTEE	1.00	Director	$0	$0	$0
GREG KASTEN	TRUSTEE	1.00	Director	$0	$0	$0
KATE OWEN	BOARD CHAIR	1.00	Officer	$0	$0	$0
NICOLE LIEBON	SECRETARY	1.00	Officer	$0	$0	$0
CHERYL TWERDOWSKY	TREASURER	5.00	Officer	$0	$0	$0
DAVID GOUDY	VICE CHAIR	5.00	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	$157,215	$79,096	$590,174	$78,119
2025	$185,304	$169,237	$494,614	$16,067
2024	$155,111	$222,543	$481,324	$-67,432
2023	$138,371	$155,912	$492,549	$-17,541
2022	$138,945	$103,148	$413,384	$35,797
2021	$123,525	$114,979	$444,722	$8,546
2020	$119,604	$118,973	$354,008	$631
2019	$122,182	$113,034	$334,565	$9,148