THETFORD LIBRARY FEDERATION INC (EIN 237187922) - 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

1972

Legal Domicile

Tax Period

2025-06-30 to 2025-12-31

THETFORD LIBRARY FEDERATION INC, founded in 1972, is a small nonprofit that reported $157K in total revenue in fiscal year 2025. Revenue decreased 15% compared to the prior year. The organization ran a surplus of $78K, a strong 50% operating margin.

Mission

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 (2025)

Revenue Breakdown

Contributions & Grants $145,630

Program Service Revenue $0

Investment Income $11,585

Other Revenue $0

TOTAL REVENUE $157,215

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $79,096

Other Expenses $79,096

TOTAL EXPENSES $79,096

Year-over-Year Comparison

	2025	2024	Change
Revenue	$157,215	$185,304	-0.2%
Expenses	$79,096	$169,237	-0.5%
Net Income	$78,119	$16,067	+3.9%

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

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
KATE OWEN	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
NICOLE LIEBON	SECRETARY	1.00	Officer	$0	$0	$0
CHERYL TWERDOWSKY	TREASURER	5.00	Officer	$0	$0	$0
DAVID GOUDY	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

THETFORD LIBRARY FEDERATION INC