NORTHERN TIER REGIONAL 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

1954

Legal Domicile

Principal Officer

KAREN BECK

Phone

7244492665

Tax Period

2025-01-01 to 2025-12-31

NORTHERN TIER REGIONAL LIBRARY, founded in 1954, is a community nonprofit that reported $1.0M in total revenue in fiscal year 2025. Net assets of $3.6M represent 42 months of operating reserves.

Mission

TO PROVIDE RESOURCES THAT INSPIRE, INFORM, EDUCATE, AND ENTERTAIN THE PUBLIC.

Program Service Accomplishments

Program 1

Expenses: $943,127 Revenue: $6,151

PROVIDED EDUCATIONAL INFORMATION AND MATERIALS TO THE LOCAL 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 (2025)

Revenue Breakdown

Contributions & Grants $886,121

Program Service Revenue $6,151

Investment Income $89,725

Other Revenue $54,399

TOTAL REVENUE $1,036,396

Expense Breakdown

Grants Paid $0

Salaries & Benefits $692,982

Fundraising Expenses $1,500

Program Expenses $943,127

Other Expenses $338,526

TOTAL EXPENSES $1,033,008

Year-over-Year Comparison

	2025	2024	Change
Revenue	$1,036,396	$1,042,602	0.0%
Expenses	$1,033,008	$1,062,279	0.0%
Net Income	$3,388	$-19,677	-1.2%

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

$92,533

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
CHRISTOPHER MARTIN	BOARD MEMBER	1.00	Director	$0	$0	$0
NATASHA DICOCCO	CO-SECRETARY	1.00	Officer Director	$0	$0	$0
ROBERT SAPINKOPF	BOARD MEMBER	1.00	Director	$0	$0	$0
AMY MCCHESNEY	CO-SECRETARY THROUGH DECEMBER 2025	1.50	Officer Director	$0	$0	$0
JACQUELYNN CUMMINGS	BOARD MEMBER	2.00	Director	$0	$0	$0
KAREN BECK	PRESIDENT	1.50	Officer Director	$0	$0	$0
BETH FARBACHER	TREASURER	1.50	Officer Director	$0	$0	$0
NICHOLAS PUCCI	BOARD MEMBER	1.00	Director	$0	$0	$0
JOYCE SMITH	BOARD MEMBER	1.00	Director	$0	$0	$0
SLOAN CURREN	BOARD MEMBER	1.00	Director	$0	$0	$0
EDDIE BOCZAR	BOARD MEMBER	1.00	Director	$0	$0	$0
KENNETH KNAPP	VICE PRESIDENT	1.00	Officer Director	$0	$0	$0
JAIME MARTIN	BOARD MEMBER	1.00	Director	$0	$0	$0
DIANE ILLIS	DIRECTOR	40.00	Officer	$86,000	$6,533	$92,533

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	$1,036,396	$1,033,008	$3,667,123	$3,388
2024	$1,042,602	$1,062,279	$3,679,960	$-19,677
2023	$1,059,209	$906,577	$3,720,776	$152,632
2022	$887,872	$875,977	$3,590,211	$11,895
2021	$1,110,647	$819,726	$3,495,510	$290,921
2020	$850,513	$840,831	$3,109,360	$9,682
2019	$913,916	$867,257	$3,002,412	$46,659
2018	$887,159	$812,755	$2,951,009	$74,404