Cambridge Springs Public Library (EIN 250981138) - 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

1936

Legal Domicile

Principal Officer

Linda Maas

Phone

8143982123

Tax Period

2020-01-01 to 2020-12-31

Cambridge Springs Public Library, founded in 1936, is a micro nonprofit that reported $80K in total revenue in fiscal year 2020. Revenue fell 20% from the prior year — a significant decline worth monitoring. Net assets of $293K represent 44 months of operating reserves.

Mission

The organization is public library, operated for the general public use, for educational and research purposes.

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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 (2020)

Revenue Breakdown

Contributions & Grants $69,262

Program Service Revenue $4,288

Investment Income $5,588

Other Revenue $979

TOTAL REVENUE $80,117

Expense Breakdown

Grants Paid $94

Salaries & Benefits $56,439

Fundraising Expenses $0

Program Expenses $86,308

Other Expenses $29,775

TOTAL EXPENSES $86,308

Year-over-Year Comparison

	2020	2019	Change
Revenue	$80,117	$100,149	-0.2%
Expenses	$86,308	$104,060	-0.2%
Net Income	$-6,191	$-3,911	+0.6%

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

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
Linda Jean Maas	Treasurer	1.00	Officer	$0	$0	$0
Cheryl Zalik	Vice President	1.00	Officer	$0	$0	$0
Jane Usavage	Secretary	1.00	Officer	$0	$0	$0
Carol Thumm	President	1.00	Officer	$0	$0	$0
Vikki Hendrickson	Director	1.00	Director	$0	$0	$0
Bill Crawford	Director	1.00	Director	$0	$0	$0
Charna Wolfe	Director	1.00	Director	$0	$0	$0
Gary Lackovic	Director	1.00	Director	$0	$0	$0
Denise D'Aurora	Director	1.00	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
2020	$80,117	$86,308	$303,454	$-6,191
2019	$100,149	$104,060	$287,641	$-3,911
2018	$109,206	$92,477	$283,043	$16,729

Cambridge Springs Public Library