CLYMER LIBRARY ASSOCIATION OF POCONO PINES (EIN 237425969) - 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

1914

Legal Domicile

Principal Officer

SUZANNE PENAVIC

Phone

5706460826

Tax Period

2024-01-01 to 2024-12-31

CLYMER LIBRARY ASSOCIATION OF POCONO PINES, founded in 1914, is a small nonprofit that reported $532K in total revenue in fiscal year 2024. Expenses of $454K left a modest 15% surplus.

Mission

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 (2024)

Revenue Breakdown

Contributions & Grants $448,755

Program Service Revenue $17,806

Investment Income $14,032

Other Revenue $51,776

TOTAL REVENUE $532,369

Expense Breakdown

Grants Paid $0

Salaries & Benefits $220,172

Fundraising Expenses $0

Program Expenses $434,189

Other Expenses $234,025

TOTAL EXPENSES $454,197

Year-over-Year Comparison

	2024	2023	Change
Revenue	$532,369	$525,622	+0.0%
Expenses	$454,197	$464,388	0.0%
Net Income	$78,172	$61,234	+0.3%

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

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

$42,829

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
MELISSA LOPEZ	DIRECTOR	37.50	Director	$42,829	$0	$42,829
SUZANNE PENAVIC	PRESIDENT	5.00	Officer Director	$0	$0	$0
DEREK PIXLEY	TRUSTEE	2.00	Director	$0	$0	$0
JOHN RYAN	TRUSTEE	2.00	Director	$0	$0	$0
PATRICIA SANTORO	TRUSTEE	2.00	Director	$0	$0	$0
JIM THORNTON	TRUSTEE	2.00	Director	$0	$0	$0
LYNN WARMKE	VICE PRESIDE	5.00	Officer Director	$0	$0	$0
DERI WEKHEISER	TRUSTEE	2.00	Director	$0	$0	$0
PHILLIP WHITEHURST	TREASURER	5.00	Officer Director	$0	$0	$0
VALERY YURA	SECRETARY	5.00	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
2024	$532,369	$454,197	$1,318,590	$78,172
2023	$525,622	$464,388	$1,215,343	$61,234
2022	$363,858	$409,616	$1,153,610	$-45,758
2021	$472,117	$373,285	$1,193,877	$98,832
2020	$462,705	$368,220	$1,108,972	$94,485
2019	$506,707	$360,432	$976,527	$146,275
2018	$506,994	$390,665	$857,422	$116,329

CLYMER LIBRARY ASSOCIATION OF POCONO PINES