COCHRANTON AREA PUBLIC LIBRARY (EIN 251248852) - 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

1979

Legal Domicile

Principal Officer

MELISSA MACK MARUSKA

Phone

8144253996

Tax Period

2024-01-01 to 2024-12-31

COCHRANTON AREA PUBLIC LIBRARY, founded in 1979, is a small nonprofit that reported $102K in total revenue in fiscal year 2024. Revenue grew 10% year-over-year, indicating healthy expansion. The organization ran a surplus of $38K, a strong 37% operating margin.

Mission

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 (2024)

Revenue Breakdown

Contributions & Grants $73,451

Program Service Revenue $1,622

Investment Income $27,426

Other Revenue $0

TOTAL REVENUE $102,499

Expense Breakdown

Grants Paid $0

Salaries & Benefits $39,125

Fundraising Expenses $0

Program Expenses $57,117

Other Expenses $25,864

TOTAL EXPENSES $64,989

Year-over-Year Comparison

	2024	2023	Change
Revenue	$102,499	$93,399	+0.1%
Expenses	$64,989	$65,907	0.0%
Net Income	$37,510	$27,492	+0.4%

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

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

$18,008

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
MELISSA MACK MARUSKA	LIBRARY DIRE	25.00	Officer	$18,008	$0	$18,008
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
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

COCHRANTON AREA PUBLIC LIBRARY