CHEBEAGUE ISLAND LIBRARY (EIN 237325473) - 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

1987

Legal Domicile

Principal Officer

LYNNE PRIEST

Phone

2078464351

Tax Period

2025-01-01 to 2025-12-31

CHEBEAGUE ISLAND LIBRARY, founded in 1987, is a micro nonprofit in the Education sector that reported $99K in total revenue in fiscal year 2025. Revenue fell 58% from the prior year — a significant decline worth monitoring. Expenses of $156K exceeded revenue, resulting in a 58% operating deficit.

Mission

OPERATION OF A LIBRARY ON CHEBEAGUE ISLAND, MAINE.

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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 $86,649

Program Service Revenue $991

Investment Income $8,245

Other Revenue $3,003

TOTAL REVENUE $98,888

Expense Breakdown

Grants Paid $0

Salaries & Benefits $82,389

Fundraising Expenses $0

Program Expenses $132,740

Other Expenses $73,776

TOTAL EXPENSES $156,165

Year-over-Year Comparison

	2025	2024	Change
Revenue	$98,888	$237,503	-0.6%
Expenses	$156,165	$147,855	+0.1%
Net Income	$-57,277	$89,648	-1.6%

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
DENISE BONVILLE	TRUSTEE	1.00	Director	$0	$0	$0
LYNNE PRIEST	TREASURER	1.00	Officer Director	$0	$0	$0
PIPS VEAZEY	PRESIDENT	1.00	Officer Director	$0	$0	$0
ELLEN GOODMAN	TRUSTEE	1.00	Director	$0	$0	$0
VICKI EMERY	VICE PRESIDENT	1.00	Officer Director	$0	$0	$0
DENISE HAMILTON	TRUSTEE	1.00	Director	$0	$0	$0
ERICA FORMISANO	SECRETARY	1.00	Officer Director	$0	$0	$0
BETH DYER	TRUSTEE	1.00	Director	$0	$0	$0
WILL HOPKINS	TRUSTEE	1.00	Director	$0	$0	$0
CAROL MCMURRICH	TRUSTEE	1.00	Director	$0	$0	$0
ALDRIC TERRAL	TRUSTEE	1.00	Director	$0	$0	$0
ERIN LAYNG	TRUSTEE	1.00	Director	$0	$0	$0
VICTOR DIAZ	TRUSTEE	1.00	Director	$0	$0	$0
SANDI WHISTON	ASSISTANT TREASURER	1.00	Officer 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	$98,888	$156,165	$1,570,383	$-57,277
2024	$237,503	$147,855	$1,535,818	$89,648
2023	$470,417	$150,604	$1,350,705	$319,813
2022	$149,095	$139,880	$949,621	$9,215
2021	$114,007	$125,275	$1,019,709	$-11,268
2020	$113,631	$117,224	$913,365	$-3,593
2019	$104,814	$150,600	$833,051	$-45,786
2018	$136,207	$166,548	$813,459	$-30,341

CHEBEAGUE ISLAND LIBRARY