Beaver Area 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

1945

Legal Domicile

Principal Officer

John Berenbrok

Phone

7247751132

Tax Period

2025-01-01 to 2025-12-31

Beaver Area Memorial Library, founded in 1945, is a small nonprofit that reported $706K in total revenue in fiscal year 2025. Revenue surged 35% from the prior year, signaling strong growth momentum. The organization ran a surplus of $184K, a strong 26% operating margin.

Mission

To provide library services to general services.

Program Service Accomplishments

Program 1

Expenses: $389,863

During the calender year ended December 31, 2025, the Library lent 177,835 physical items and 7,570 digital items items to 6,315 borrowers. There were 86,360 visits made by patrons to the library.The...

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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 $592,619

Program Service Revenue $35,095

Investment Income $23,765

Other Revenue $54,031

TOTAL REVENUE $705,510

Expense Breakdown

Grants Paid $0

Salaries & Benefits $300,965

Fundraising Expenses $1,750

Program Expenses $389,863

Other Expenses $220,368

TOTAL EXPENSES $521,333

Year-over-Year Comparison

	2025	2024	Change
Revenue	$705,510	$521,420	+0.4%
Expenses	$521,333	$466,595	+0.1%
Net Income	$184,177	$54,825	+2.4%

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

N/A

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
Pat Simms	Vice President	001.00	Director	$0	$0	$0
Karin Pilarski	Board	001.00	Director	$0	$0	$0
Dennis Wolford	Board	001.00	Director	$0	$0	$0
Paul Hogan	Board	001.00	Director	$0	$0	$0
Cassie Brkich	Board	001.00	Director	$0	$0	$0
Gretchen Samchuck	Board	001.00	Director	$0	$0	$0
Jen Gribbs	Board	001.00	Director	$0	$0	$0
John Berenbrok	President	001.00	Officer	$0	$0	$0
Mary Anne Peluso	Secretary	001.00	Officer	$0	$0	$0
John Pizzella	Treasurer	001.00	Officer	$0	$0	$0
Sarah Boyce	Director	040.00	Key Emp	$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	$705,510	$521,333	$2,247,569	$184,177
2024	$521,420	$466,595	$2,063,378	$54,825
2023	$497,447	$486,554	$2,008,530	$10,893
2022	$399,090	$489,357	$2,823,245	$-90,267
2021	$473,616	$442,548	$2,913,486	$31,068
2020	$443,525	$436,241	$2,882,369	$7,284