BERWICK PUBLIC LIBRARY (EIN 240796862) - 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

1916

Legal Domicile

Principal Officer

JOHN ARNDT

Phone

5707522241

Tax Period

2024-01-01 to 2024-12-31

BERWICK PUBLIC LIBRARY, founded in 1916, is a small nonprofit in the Education sector that reported $557K in total revenue in fiscal year 2024. Revenue surged 42% from the prior year, signaling strong growth momentum. Expenses of $613K exceeded revenue, resulting in a 10% operating deficit.

Mission

OPERATION OF A FREE PUBLIC LIBRARY FOR THE RESIDENTS OF BERWICK, PA AND SURROUNDING COMMUNITIES.

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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 $216,390

Program Service Revenue $99,188

Investment Income $152,590

Other Revenue $88,771

TOTAL REVENUE $556,939

Expense Breakdown

Grants Paid $0

Salaries & Benefits $295,413

Fundraising Expenses $14,324

Program Expenses $343,765

Other Expenses $317,373

TOTAL EXPENSES $612,786

Year-over-Year Comparison

	2024	2023	Change
Revenue	$556,939	$391,781	+0.4%
Expenses	$612,786	$507,957	+0.2%
Net Income	$-55,847	$-116,176	-0.5%

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

$78,000

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
CHERYL ANDE	VICE PRESIDE	2.00	Officer Director	$0	$0	$0
BARBARA KLECKNER	PRESIDENT	2.00	Officer Director	$0	$0	$0
JOHN ARNDT	TREASURER	2.00	Officer Director	$0	$0	$0
VICTORIA RAINIS	SECRETARY	2.00	Officer Director	$0	$0	$0
JUDY MICHELETTI	BOARD MEMBER	2.00	Director	$0	$0	$0
MARILEE UNGEMACH	BOARD MEMBER	2.00	Director	$0	$0	$0
JON PRUITT	BOARD MEMBER	2.00	Director	$0	$0	$0
DYLAN WOODARD	BOARD MEMBER	2.00	Director	$0	$0	$0
JANAE MCDANIELS	BOARD MEMBER	2.00	Director	$0	$0	$0
WILLIAM DIPASQUALE	BOARD MEMBER	2.00	Director	$0	$0	$0
ANDREW ZOURIDES	BOARD MEMBER	2.00	Director	$0	$0	$0
RYAN NAGLE	BOARD MEMBER	2.00	Director	$0	$0	$0
LOUIS DALBERTO	BOARD MEMBER	2.00	Director	$0	$0	$0
VALERIE JOHNSON	EXECUTIVE DI	35.00	Officer	$78,000	$0	$78,000

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	$556,939	$612,786	$8,370,593	$-55,847
2023	$391,781	$507,957	$8,174,858	$-116,176
2022	$155,940	$512,574	$8,039,329	$-356,634
2021	$733,586	$500,647	$9,073,484	$232,939
2020	$519,667	$449,547	$8,366,584	$70,120
2019	$2,255,045	$438,186	$8,156,833	$1,816,859
2018	$1,268,691	$455,928	$5,957,054	$812,763

BERWICK PUBLIC LIBRARY