RIDGWAY FREE LIBRARY ASSOCIATION (EIN 250999193) - 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

1922

Legal Domicile

Principal Officer

STEVEN BRAZINSKI

Phone

8147737573

Tax Period

2024-01-01 to 2024-12-31

RIDGWAY FREE LIBRARY ASSOCIATION, founded in 1922, is a small nonprofit that reported $182K in total revenue in fiscal year 2024. Expenses of $164K left a modest 10% surplus.

Mission

A NONPROFIT ORGANIZATION WHICH SERVES AS A RESOURCE FOR INFORMATION, EDUCATION, CULTURE AND RECREATION FOR THE RESIDENTS OF THE BOROUGH OF RIDGWAY, PA AND SURROUNDING COMMUNITIES. THE LIBRARY PROVIDES ACCESS AND GUIDANCE TO BOOKS, VIDEOS, ELECTRONIC RESOURCES, AND OTHER MEDIA WHILE MAINTAINING QUALITY MATERIAL AND SERVICES.

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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 $169,033

Program Service Revenue $6,759

Investment Income $2,270

Other Revenue $3,715

TOTAL REVENUE $181,777

Expense Breakdown

Grants Paid $0

Salaries & Benefits $68,109

Fundraising Expenses $0

Program Expenses $134,877

Other Expenses $95,824

TOTAL EXPENSES $163,933

Year-over-Year Comparison

	2024	2023	Change
Revenue	$181,777	$184,042	0.0%
Expenses	$163,933	$165,587	0.0%
Net Income	$17,844	$18,455	0.0%

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

$46,111

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
STEVEN BRAZINSKI	PRESIDENT	0.00	Officer Director	$0	$0	$0
VERONICA JOINER	TRUSTEE	0.00	Director	$0	$0	$0
STEVE CLEVELAND	TREASURER	0.00	Officer Director	$0	$0	$0
JESSICA PONTIOUS	SECRETARY	0.00	Officer Director	$0	$0	$0
BEATRICE TERBOVICH	TRUSTEE	0.00	Director	$0	$0	$0
JANE BRYNDEL	VICE PRESIDENT	0.00	Officer Director	$0	$0	$0
SUSAN WOLFE	TREASURER	0.00	Director	$0	$0	$0
RACHEL KELLER	EXECUTIVE DIRECTOR - 1/1/24 - 8/24/24	40.00	Officer	$25,059	$0	$25,059
JESSICA WONDERLY	EXECUTIVE DIRECTOR - 8/24/24	40.00	Officer	$21,052	$0	$21,052

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	$181,777	$163,933	$771,650	$17,844
2023	$184,042	$165,587	$753,601	$18,455
2022	$334,794	$141,092	$761,793	$193,702
2021	$269,440	$94,755	$542,798	$174,685

RIDGWAY FREE LIBRARY ASSOCIATION