COCHRANTON AREA PUBLIC 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

1979

Legal Domicile

Principal Officer

JILL WOOD

Phone

8144253996

Tax Period

2025-01-01 to 2025-12-31

COCHRANTON AREA PUBLIC LIBRARY, founded in 1979, is a small nonprofit that reported $104K in total revenue in fiscal year 2025. The organization ran a surplus of $28K, a strong 27% operating margin.

Mission

SERVES AS A PUBLIC LIBRARY.

Program Service Accomplishments

Program 1

Expenses: $66,953

SERVES AS A PUBLIC LIBRARY.

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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 $76,212

Program Service Revenue $1,463

Investment Income $26,647

Other Revenue $0

TOTAL REVENUE $104,322

Expense Breakdown

Grants Paid $0

Salaries & Benefits $42,397

Fundraising Expenses $0

Program Expenses $66,953

Other Expenses $33,485

TOTAL EXPENSES $75,882

Year-over-Year Comparison

	2025	2024	Change
Revenue	$104,322	$102,499	+0.0%
Expenses	$75,882	$64,989	+0.2%
Net Income	$28,440	$37,510	-0.2%

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

$20,884

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
JILL WOOD	LIBRARY DIRE	35.00	Officer	$20,884	$0	$20,884
SUSAN ARMBURGER	PRESIDENT	1.00	Officer Director	$0	$0	$0
PAIGE BOWSER	SECRETARY	1.00	Officer Director	$0	$0	$0
BRENDA WAIT	TREASURER	1.00	Officer Director	$0	$0	$0
TAMMY GRAHAM	TRUSTEE	1.00		$0	$0	$0
LINDA ROCHE	TRUSTEE	1.00		$0	$0	$0
MONICA STUREY	TRUSTEE	1.00		$0	$0	$0
KATI WHITE-HARTMAN	TRUSTEE	1.00		$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	$104,322	$75,882	$1,162,559	$28,440
2024	$102,499	$64,989	$1,079,650	$37,510
2023	$93,399	$65,907	$1,035,453	$27,492
2022	$71,436	$56,966	$991,922	$14,470
2021	$77,741	$57,122	$995,175	$20,619
2020	$77,211	$44,721	$926,934	$32,490
2019	$82,956	$63,475	$894,008	$19,481
2018	$75,985	$70,431	$843,867	$5,554