Mill Memorial Library (EIN 240795459) - 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

1975

Legal Domicile

Principal Officer

Susan A Maza

Phone

5707353030

Tax Period

2024-01-01 to 2024-12-31

Mill Memorial Library, founded in 1975, is a small nonprofit that reported $249K in total revenue in fiscal year 2024. Net assets of $1.8M represent 85 months of operating reserves.

Mission

To provide library services to the local community of Greater Nanticoke

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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 $222,383

Program Service Revenue $0

Investment Income $26,442

Other Revenue $0

TOTAL REVENUE $248,825

Expense Breakdown

Grants Paid $0

Salaries & Benefits $157,143

Fundraising Expenses $0

Program Expenses $253,056

Other Expenses $110,686

TOTAL EXPENSES $267,829

Year-over-Year Comparison

	2024	2023	Change
Revenue	$248,825	$247,969	+0.0%
Expenses	$267,829	$250,256	+0.1%
Net Income	$-19,004	$-2,287	+7.3%

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

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Kim Morgan	Director	1.00	Director	$0	$0	$0
Tony Barnoski	Director	1.00	Director	$0	$0	$0
Carol Sukowaski	Director	1.00	Director	$0	$0	$0
Vicki Frace	Secretary	5.00	Director	$0	$0	$0
Susan A Maza	President	5.00	Officer	$0	$0	$0
Robert Bray	Vice President	1.00	Officer	$0	$0	$0
Barbara Lach	Treasurer	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
2024	$248,825	$267,829	$1,766,794	$-19,004
2023	$247,969	$250,256	$1,787,075	$-2,287
2022	$269,040	$267,457	$1,788,894	$1,583
2021	$574,854	$171,442	$1,787,125	$403,412
2020	$1,020,327	$162,752	$1,383,651	$857,575
2019	$197,707	$205,981	$525,160	$-8,274
2018	$190,502	$198,347	$533,619	$-7,845

Mill Memorial Library