SAFETY HARBOR LIBRARY FOUNDATION

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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

2006

Legal Domicile

Phone

7277241525

Tax Period

2025-01-01 to 2025-12-31

SAFETY HARBOR LIBRARY FOUNDATION, founded in 2006, is a micro nonprofit in the Education sector that reported $59K in total revenue in fiscal year 2025. Revenue fell 21% from the prior year — a significant decline worth monitoring. Expenses of $51K left a modest 13% surplus.

Mission

TO FOSTER THE GROWTH AND DEVELOPMENT OF THE SAFETY HARBOR PUBLIC LIBRARY, ENSURING ITS FUTURE AS AN INDISPENSIBLE COMMUNITY RESOURCE

Program Service Accomplishments

Program 1

Expenses: $51,097 Revenue: $58,831

FOSTER THE GROWTH AND DEVELOPMENT OF THE SAFETY HARBOR PUBLIC LIBRARY

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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 $40,081

Program Service Revenue $0

Investment Income $4,675

Other Revenue $14,075

TOTAL REVENUE $58,831

Expense Breakdown

Grants Paid $47,157

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $51,097

Other Expenses $3,940

TOTAL EXPENSES $51,097

Year-over-Year Comparison

	2025	2024	Change
Revenue	$58,831	$74,351	-0.2%
Expenses	$51,097	$503,340	-0.9%
Net Income	$7,734	$-428,989	-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

N/A

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
DEBBIE WHITE	PAST PRESIDENT	0.33	Director	$0	$0	$0
PAM HOYT CHEEVER	DIRECTOR	0.33	Director	$0	$0	$0
JEFFREY SIEVERS	DIRECTOR	0.33	Director	$0	$0	$0
JODI WILKINS	DIRECTOR	0.33	Director	$0	$0	$0
LOUIS HASKEL	DIRECTOR	0.33	Director	$0	$0	$0
CAITLIN SWENSON	DIRECTOR	0.33	Director	$0	$0	$0
LORRAINE SUAREZ	DIRECTOR	0.33	Director	$0	$0	$0
MARIE PADAVICH	PRESIDENT	1.00	Officer	$0	$0	$0
CARA NOBLES	TREASURER	1.00	Officer	$0	$0	$0
SCOTT LONG	VICE PRESIDENT	1.00	Officer	$0	$0	$0
DENISE MURPHY	SECRETARY	1.00	Officer	$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	$58,831	$51,097	$163,444	$7,734
2024	$74,351	$503,340	$166,383	$-428,989
2023	$84,057	$4,263	$596,034	$79,794
2022	$66,300	$3,886	$513,331	$62,414
2021	$92,090	$4,771	$461,373	$87,319