BLOSSBURG MEMORIAL LIBRARY

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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

1969

Legal Domicile

Principal Officer

TONYA MCNAMARA

Phone

5706382197

Tax Period

2025-01-01 to 2025-12-31

BLOSSBURG MEMORIAL LIBRARY, founded in 1969, is a small nonprofit in the Education sector that reported $160K in total revenue in fiscal year 2025. Revenue grew 12% year-over-year, indicating healthy expansion. Net assets of $1.5M represent 113 months of operating reserves.

Mission

THE MISSION OF THE BLOSSBURG MEMORIAL LIBRARY IS TO PROVIDE A FREE LIBRARY SERVICE TO AND FOR THE GENERAL PUBLIC.

Program Service Accomplishments

Program 1

Expenses: $141,476 Revenue: $4,037

THE MISSION OF THE BLOSSBURG MEMORIAL LIBRARY IS TO PROVIDE A FREE LIBRARY SERVICE TO AND FOR THE GENERAL PUBLIC.

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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 $113,564

Program Service Revenue $4,037

Investment Income $39,755

Other Revenue $2,236

TOTAL REVENUE $159,592

Expense Breakdown

Grants Paid $0

Salaries & Benefits $85,961

Fundraising Expenses $0

Program Expenses $141,476

Other Expenses $74,617

TOTAL EXPENSES $160,578

Year-over-Year Comparison

	2025	2024	Change
Revenue	$159,592	$142,088	+0.1%
Expenses	$160,578	$153,961	+0.0%
Net Income	$-986	$-11,873	-0.9%

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

$52,953

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
ELISABETH D MIRANDA	DIRECTOR	40.00	Director	$52,953	$0	$52,953
ANNIE BROOKS	MEMBER	1.00	Director	$0	$0	$0
JACK ECKMAN	MEMBER	1.00	Director	$0	$0	$0
UNI HICKS-LEE	MEMBER	1.00	Director	$0	$0	$0
SHANE NICKERSON	MEMBER	1.00	Director	$0	$0	$0
KATE PHINNEY	MEMBER	1.00	Director	$0	$0	$0
SHERI WAGAMAN	MEMBER	1.00	Director	$0	$0	$0
ROGER BUNN	VICE PREDIDE	1.00	Officer	$0	$0	$0
HEATHER DEITRICK	TREASURER	1.00	Officer	$0	$0	$0
AMY GUNDERSON	SECRETARY	1.00	Officer	$0	$0	$0
TONYA MCNAMARA	PRESIDENT	1.00	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
2025	$159,592	$160,578	$1,505,399	$-986
2024	$142,088	$153,961	$1,405,077	$-11,873
2023	$143,934	$143,394	$1,384,661	$540
2022	$106,977	$136,829	$1,320,756	$-29,852
2021	$169,278	$123,635	$1,476,268	$45,643
2020	$118,424	$101,217	$1,340,719	$17,207