CROSS' MILLS PUBLIC LIBRARY (EIN 237262671) - 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

1913

Legal Domicile

Principal Officer

SARAH ORNSTEIN

Phone

4013646211

Tax Period

2023-07-01 to 2024-06-30

CROSS' MILLS PUBLIC LIBRARY, founded in 1913, is a small nonprofit in the Education sector that reported $439K in total revenue in fiscal year 2023. Revenue fell 23% from the prior year — a significant decline worth monitoring.

Mission

FREE PUBLIC LIBRARY

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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 (2023)

Revenue Breakdown

Contributions & Grants $419,605

Program Service Revenue $9,064

Investment Income $2,231

Other Revenue $8,311

TOTAL REVENUE $439,211

Expense Breakdown

Grants Paid $0

Salaries & Benefits $294,145

Fundraising Expenses $286

Program Expenses $441,333

Other Expenses $151,771

TOTAL EXPENSES $445,916

Year-over-Year Comparison

	2023	2022	Change
Revenue	$439,211	$568,183	-0.2%
Expenses	$445,916	$426,332	+0.0%
Net Income	$-6,705	$141,851	-1.0%

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

$77,456

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
JANE GLANDER	PRESIDENT	5.00	Officer Director	$0	$0	$0
MAUREEN AREGLADO	VICE PRESIDENT	3.00	Officer Director	$0	$0	$0
PATTIE HIGGINS	CO-SECRETARY	3.00	Officer Director	$0	$0	$0
MARCIE MADSEN	CO-SECRETARY	3.00	Officer Director	$0	$0	$0
CECELIA MCCULLOCH	TREASURER	3.00	Officer Director	$0	$0	$0
DOUGLAS BORDEN	DIRECTOR	1.00	Director	$0	$0	$0
PATRICE FENTON	DIRECTOR	1.00	Director	$0	$0	$0
PAUL SHEINKOPF	DIRECTOR	1.00	Director	$0	$0	$0
BRUCE MACULAN	DIRECTOR	1.00	Director	$0	$0	$0
CLAUDETTE BARIL	DIRECTOR	1.00	Director	$0	$0	$0
SARAH ORNSTEIN	EXECUTIVE DIRECTORS	40.00	Officer	$77,456	$0	$77,456

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	No data	No data	No data	No data
2024	$439,211	$445,916	$601,728	$-6,705
2023	$568,183	$426,332	$600,563	$141,851
2022	$427,895	$413,409	$459,915	$14,486
2021	$388,242	$393,731	$450,194	$-5,489
2020	$360,858	$372,159	$436,109	$-11,301
2019	$362,271	$391,637	$448,158	$-29,366

CROSS' MILLS PUBLIC LIBRARY