BRADFORD 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

1986

Legal Domicile

Phone

8143626527

Tax Period

2024-01-01 to 2024-12-31

BRADFORD AREA PUBLIC LIBRARY, founded in 1986, is a small nonprofit in the Education sector that reported $519K in total revenue in fiscal year 2024. Expenses of $579K exceeded revenue, resulting in a 12% operating deficit.

Mission

To provide the resources to inform, educate, and enrich our community in a way that demonstrates literacy, equal access and diversity, life-long learning, fiscal responsibility and integrity.

Program Service Accomplishments

Program 1

Expenses: $458,753 Revenue: $519,046

The Bradford Area Public Library provides a variety of educational and entertaining programs for the Bradford community, including summer reading, Story Seekers storytime, art club, teen book club...

The Bradford Area Public Library provides a variety of educational and entertaining programs for the Bradford community, including summer reading, Story Seekers storytime, art club, teen book club, teen and middle school summer workshops, and adult programs like Coffee with a Curator and Creative Share. In 2019, the library held 570 programs, attended by 839 adults, 509 teens, and 10,867 children. The library also offers reference, reading, video, and audio materials to all people in the Bradford area and surrounding communities. The library loaned 43,002 items in 2019. The library has 19 free computers available to the public, equipped with an Internet browser and Microsoft Office, as well as a free Wi-Fi connection.

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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 $369,263

Program Service Revenue $11,062

Investment Income $138,721

Other Revenue $0

TOTAL REVENUE $519,046

Expense Breakdown

Grants Paid $0

Salaries & Benefits $291,501

Fundraising Expenses $8,142

Program Expenses $458,753

Other Expenses $287,783

TOTAL EXPENSES $579,284

Year-over-Year Comparison

	2024	2023	Change
Revenue	$519,046	$519,232	0.0%
Expenses	$579,284	$526,392	+0.1%
Net Income	$-60,238	$-7,160	+7.4%

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

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
Rebecca Feightner	Executive Director	40.00		$54,160	$0	$54,160
Andrew Carroll	Trustee	1.00	Director	$0	$0	$0
Amy Fox	Board Chair	1.00	Officer Director	$0	$0	$0
Catherne Baldwin	Secretary	1.00	Officer Director	$0	$0	$0
Matt Mongillo	Vice Chair	1.00	Officer Director	$0	$0	$0
Holly Puglio	Trustee	1.00	Director	$0	$0	$0
Colette Roessler	Trustee	1.00	Director	$0	$0	$0
Katie Caruso	Trustee	1.00	Director	$0	$0	$0
Angela Shipman	Trustee	1.00	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	No data	No data	No data	No data
2024	$519,046	$579,284	$6,224,230	$-60,238
2023	$519,232	$526,392	$6,056,845	$-7,160
2022	$362,732	$516,701	$5,817,325	$-153,969
2021	$567,160	$431,707	$6,935,503	$135,453
2020	$604,434	$437,726	$6,572,783	$166,708
2019	$654,145	$505,573	$6,220,422	$148,572
2018	$250,984	$461,330	$5,628,290	$-210,346