Baldwin Borough Public Library (EIN 251301432) - 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

1964

Legal Domicile

Principal Officer

Anna Newborg

Phone

4128852255

Tax Period

2025-01-01 to 2025-12-31

Baldwin Borough Public Library, founded in 1964, is a small nonprofit in the Education sector that reported $450K in total revenue in fiscal year 2025. Expenses of $513K exceeded revenue, resulting in a 14% operating deficit.

Mission

The mission of the Baldwin Borough Public Library is to provide easily accessible materials, services, and facilities to help the members of our diverse community successfully meet their evolving personal needs.

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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 $442,331

Program Service Revenue $0

Investment Income $7,359

Other Revenue $206

TOTAL REVENUE $449,896

Expense Breakdown

Grants Paid $0

Salaries & Benefits $316,430

Fundraising Expenses $12,026

Program Expenses $469,650

Other Expenses $196,923

TOTAL EXPENSES $513,353

Year-over-Year Comparison

	2025	2024	Change
Revenue	$449,896	$447,760	+0.0%
Expenses	$513,353	$511,591	+0.0%
Net Income	$-63,457	$-63,831	0.0%

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

$68,211

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Anna Newborg	Executive Dir.	37.50	Officer	$63,304	$4,907	$68,211
Christine Laurent	President	5.00	Officer Director	$0	$0	$0
Rosemary Willis	Vice President	5.00	Officer Director	$0	$0	$0
Christy Ehrlich	Secretary	5.00	Officer Director	$0	$0	$0
Lisa Kaufman	Treasurer	5.00	Officer Director	$0	$0	$0
Mike Fitzgerald	Trustee	5.00	Director	$0	$0	$0
Tara Rockacy	Trustee	5.00	Director	$0	$0	$0
Sarah Reck	Trustee	5.00	Director	$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	$449,896	$513,353	$2,284,679	$-63,457
2024	$447,760	$511,591	$2,355,283	$-63,831
2023	$485,926	$487,156	$2,403,554	$-1,230
2022	$416,141	$465,668	$2,402,335	$-49,527
2021	$417,037	$407,027	$2,480,045	$10,010
2020	$529,854	$431,146	$3,029,907	$98,708

Baldwin Borough Public Library