MONONGAHELA AREA LIBRARY INC

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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

1920

Legal Domicile

Principal Officer

CONNIE CUSTER

Phone

7242585409

Tax Period

2024-01-01 to 2024-12-31

MONONGAHELA AREA LIBRARY INC, founded in 1920, is a small nonprofit that reported $192K in total revenue in fiscal year 2024. Revenue surged 22% from the prior year, signaling strong growth momentum. Net assets of $434K represent 27 months of operating reserves.

Mission

LIBRARY

Program Service Accomplishments

Program 1

Expenses: $0 Revenue: $0

ALL EXPENSES ARE FOR THE UPDATING OF LIBRARY MATERIALS AND BUILDING USED TO PROVIDE THE BEST POSSIBLE RESOURCES FOR THE MEMBERS.

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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 $179,543

Program Service Revenue $0

Investment Income $189

Other Revenue $12,694

TOTAL REVENUE $192,426

Expense Breakdown

Grants Paid $0

Salaries & Benefits $105,361

Fundraising Expenses $0

Program Expenses $0

Other Expenses $92,779

TOTAL EXPENSES $198,140

Year-over-Year Comparison

	2024	2023	Change
Revenue	$192,426	$158,136	+0.2%
Expenses	$198,140	$172,867	+0.1%
Net Income	$-5,714	$-14,731	-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

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
SARAH O'BRIEN	PRESIDENT	10.00	Officer	$0	$0	$0
CONNIE CUSTER	TREASURER	10.00	Officer	$0	$0	$0
CATHY WALLER	SECRETARY	10.00	Officer	$0	$0	$0
HEIDI HOFFMAN	VICE PRESIDENT	10.00	Officer	$0	$0	$0
JANET MANCINI	DIRECTOR	5.00	Officer	$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
2024	$192,426	$198,140	$436,195	$-5,714
2023	$158,136	$172,867	$441,790	$-14,731
2022	$246,664	$172,454	$456,340	$74,210