PENN AREA 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

1970

Legal Domicile

Principal Officer

DEBBIE EGGLESTON

Phone

7247444414

Tax Period

2025-01-01 to 2025-12-31

PENN AREA LIBRARY, founded in 1970, is a small nonprofit that reported $342K in total revenue in fiscal year 2025. Revenue decreased 12% compared to the prior year.

Mission

THE PURPOSE OF THE PENN AREA LIBRARY IS TO SELECT, MAKE AVAILABLE, AND MAINTAIN RESOURCES IN A VARIETY OF FORMATS, MEETING THE EDUCATIONAL, INFORMATIONAL, AND RECREATIONAL NEEDS OF OUR COMMUNITY. THE PENN AREA LIBRARY OFFERS THIS SERVICE TO ALL PERSONS AND EXISTS TO STIMULATE IDEAS AND LEARNING, AND TO ENHANCE THE QUALITY OF LIFE FOR THOSE WE SERVE.

Program Service Accomplishments

Program 1

Expenses: $234,481 Revenue: $755

SELECT, MAKE AVAILABLE, AND MAINTAIN RESOURCES IN A VARIETY OF FORMATS, MEETING THE EDUCATIONAL, INFORMATIONAL, AND RECREATIONAL NEEDS OF OUR COMMUNITY. THE PENN AREA LIBRARY OFFERS THIS SERVICE TO ALL PERSONS AND EXISTS TO STIMULATE IDEAS AND LEARNING, AND TO ENHANCE THE QUALITY OF LIFE FOR THOSE WE SERVE.

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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 $335,092

Program Service Revenue $755

Investment Income $10,322

Other Revenue $-3,752

TOTAL REVENUE $342,417

Expense Breakdown

Grants Paid $0

Salaries & Benefits $266,364

Fundraising Expenses $0

Program Expenses $234,481

Other Expenses $109,055

TOTAL EXPENSES $375,419

Year-over-Year Comparison

	2025	2024	Change
Revenue	$342,417	$388,746	-0.1%
Expenses	$375,419	$361,769	+0.0%
Net Income	$-33,002	$26,977	-2.2%

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

$68,250

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
MARK KURISKO	PRESIDENT	4.00	Officer Director	$0	$0	$0
SUSAN MASTRUSERIO	VICE PRESIDENT	4.00	Officer Director	$0	$0	$0
SARAH SCHADLER	TRUSTEE	4.00	Director	$0	$0	$0
KEN MCCOY	TRUSTEE	4.00	Director	$0	$0	$0
MELISSA RENWICK	TRUSTEE	4.00	Director	$0	$0	$0
DEBBIE EGGLESTON	TREASURER	4.00	Officer Director	$0	$0	$0
REBECCA CALISTI TYBURSKI	TRUSTEE	4.00	Director	$0	$0	$0
JESSICA BEICHLER	EXECUTIVE DIRECTOR	40.00	Officer	$65,000	$3,250	$68,250

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	$342,417	$375,419	$547,113	$-33,002
2024	$388,746	$361,769	$587,460	$26,977
2023	$321,438	$297,553	$539,264	$23,885
2022	$297,976	$278,453	$521,901	$19,523
2021	$264,340	$273,555	$489,638	$-9,215
2020	$332,063	$253,149	$494,335	$78,914
2019	$299,815	$273,764	$418,555	$26,051
2018	$286,910	$268,020	$391,756	$18,890