Panjab Digital Library USA

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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

2010

Legal Domicile

Principal Officer

Gurvinder Singh

Phone

2104878357

Tax Period

2025-01-01 to 2025-12-31

Panjab Digital Library USA, founded in 2010, is a small nonprofit in the Arts, Culture & Humanities sector that reported $151K in total revenue in fiscal year 2025. Revenue fell 48% from the prior year — a significant decline worth monitoring. Expenses of $217K exceeded revenue, resulting in a 44% operating deficit.

Mission

cultural and historical digital archive and library

Program Service Accomplishments

Program 1

Expenses: $217,193 Revenue: $150,731

public archive and exhibitions of cultural and historical art and writings

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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 $150,731

Program Service Revenue $0

Investment Income $0

Other Revenue $0

TOTAL REVENUE $150,731

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $217,193

Other Expenses $217,193

TOTAL EXPENSES $217,193

Year-over-Year Comparison

	2025	2024	Change
Revenue	$150,731	$291,074	-0.5%
Expenses	$217,193	$110,103	+1.0%
Net Income	$-66,462	$180,971	-1.4%

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

N/A

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

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Gurvinder Singh	Director	2.00	Director	$0	$0	$0
Davinder Pal Singh	Director	2.00	Director	$0	$0	$0
Jasvinder Singh Chadha	Director	2.00	Director	$0	$0	$0
Gurpreet Kaur	Director	2.00	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	$150,731	$217,193	$128,260	$-66,462