NORTHERN TIER REGIONAL LIBRARY (EIN 251124053) - 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

1954

Legal Domicile

Principal Officer

KAREN BECK

Phone

7244492665

Tax Period

2024-01-01 to 2024-12-31

NORTHERN TIER REGIONAL LIBRARY, founded in 1954, is a community nonprofit that reported $1.0M in total revenue in fiscal year 2024. Net assets of $3.6M represent 42 months of operating reserves.

Mission

TO PROVIDE RESOURCES THAT INSPIRE, INFORM, EDUCATE, AND ENTERTAIN THE 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 (2024)

Revenue Breakdown

Contributions & Grants $881,968

Program Service Revenue $5,122

Investment Income $114,498

Other Revenue $41,014

TOTAL REVENUE $1,042,602

Expense Breakdown

Grants Paid $0

Salaries & Benefits $673,390

Fundraising Expenses $5,665

Program Expenses $952,761

Other Expenses $383,224

TOTAL EXPENSES $1,062,279

Year-over-Year Comparison

	2024	2023	Change
Revenue	$1,042,602	$1,059,209	0.0%
Expenses	$1,062,279	$906,577	+0.2%
Net Income	$-19,677	$152,632	-1.1%

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

$81,035

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
JOHN PASQUINELLI	BOARD MEMBER	1.00	Director	$0	$0	$0
NATASHA DICOCCO	BOARD MEMBER	1.00	Director	$0	$0	$0
ROBERT SAPINKOPF	BOARD MEMBER	1.00	Director	$0	$0	$0
AMY MCCHESNEY	TREASURER	1.50	Officer Director	$0	$0	$0
KENNETH KNAPP	VICE PRESIDENT	1.00	Officer Director	$0	$0	$0
JACQUELYNN CUMMINGS	BOARD MEMBER	1.00	Director	$0	$0	$0
KAREN BECK	PRESIDENT	1.50	Officer Director	$0	$0	$0
CAROLE KEELEY	SECRETARY	1.00	Officer Director	$0	$0	$0
JEREMY SHAFFER	BOARD MEMBER	1.00	Director	$0	$0	$0
BETH FARBACHER	BOARD MEMBER	1.50	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
DIANE ILLIS	DIRECTOR	40.00	Officer	$75,000	$6,035	$81,035

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	$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

NORTHERN TIER REGIONAL LIBRARY