PLUM BOROUGH COMMUNITY 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

1991

Legal Domicile

Principal Officer

PAMELA CALFO

Phone

4127987323

Tax Period

2025-01-01 to 2025-12-31

PLUM BOROUGH COMMUNITY LIBRARY, founded in 1991, is a small nonprofit in the Education sector that reported $355K in total revenue in fiscal year 2025.

Mission

TO FULFILL THE INFORMATIONAL NEEDS FOR THE RESIDENTS OF PLUM BOROUGH.

Program Service Accomplishments

Program 1

Expenses: $249,467 Revenue: $3,753

LIBRARY SERVICES SUCH AS LOANING BOOKS AND VISUAL MEDIA TO THE RESIDENTS OF PLUM BOROUGH AND CHILDREN'S ACTIVITIES, SUCH AS READINGS.

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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 $340,286

Program Service Revenue $3,753

Investment Income $10,187

Other Revenue $1,056

TOTAL REVENUE $355,282

Expense Breakdown

Grants Paid $0

Salaries & Benefits $254,291

Fundraising Expenses $0

Program Expenses $249,467

Other Expenses $101,988

TOTAL EXPENSES $356,279

Year-over-Year Comparison

	2025	2024	Change
Revenue	$355,282	$353,999	+0.0%
Expenses	$356,279	$323,021	+0.1%
Net Income	$-997	$30,978	-1.0%

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

$62,984

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
MILANNE MCCUTCHEON	TREASURER	1.00	Officer Director	$0	$0	$0
AMY MCSHANE	MEMBER	1.00	Director	$0	$0	$0
STEPHEN BULLICK	MEMBER	1.00	Director	$0	$0	$0
ALEX KOZORA	VICE PRESIDENT	1.00	Officer Director	$0	$0	$0
LEIGH ANNE RETHAGE	SECRETARY	1.00	Officer Director	$0	$0	$0
KATIE MCGREGOR	MEMBER	1.00	Director	$0	$0	$0
SARA BROWN	PRESIDENT	1.00	Officer Director	$0	$0	$0
PAMELA CALFO	LIBRARY DIRECTOR	40.00	Officer	$61,150	$1,834	$62,984

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	$355,282	$356,279	$337,586	$-997
2024	$353,999	$323,021	$337,511	$30,978
2023	$344,042	$275,824	$310,311	$68,218
2022	$302,112	$271,780	$243,325	$30,332
2021	$-604,995	$287,219	$213,225	$-892,214
2020	$316,543	$298,576	$1,105,246	$17,967
2019	$302,544	$336,270	$1,085,836	$-33,726
2018	$306,248	$327,828	$1,117,837	$-21,580