ST CHARLES DISTRICT LIBRARY (EIN 381843270) - 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

1978

Legal Domicile

Principal Officer

RICHARD FULMER

Phone

9898659451

Tax Period

2024-04-01 to 2025-03-31

ST CHARLES DISTRICT LIBRARY, founded in 1978, is a small nonprofit in the Education sector that reported $354K in total revenue in fiscal year 2024. Revenue fell 24% from the prior year — a significant decline worth monitoring. The organization ran a surplus of $64K, a strong 18% operating margin.

Mission

PROVIDE REFERENCE AND READING

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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 $326,227

Program Service Revenue $5,121

Investment Income $22,794

Other Revenue $0

TOTAL REVENUE $354,142

Expense Breakdown

Grants Paid $0

Salaries & Benefits $130,730

Fundraising Expenses $0

Program Expenses $198,472

Other Expenses $159,595

TOTAL EXPENSES $290,325

Year-over-Year Comparison

	2024	2023	Change
Revenue	$354,142	$463,627	-0.2%
Expenses	$290,325	$227,115	+0.3%
Net Income	$63,817	$236,512	-0.7%

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

$990

Total Directors

$450

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
RICHARD FULMER	PRESIDENT	2.00	Officer	$300	$0	$300
NANCY MAUL	TRUSTEE	2.00	Director	$270	$0	$270
JOANN THIBODEAU	TREASURER	2.00	Officer	$270	$0	$270
JENNIFER ROSSER-NESBIT	VICE PRESIDE	2.00	Officer	$240	$0	$240
LISA SOULE	TRUSTEE	2.00	Director	$180	$0	$180
MARY MOELLER	SECRETARY	2.00	Officer	$180	$0	$180

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	$354,142	$290,325	$661,960	$63,817
2024	$463,627	$227,115	$597,931	$236,512
2023	$250,347	$259,536	$363,294	$-9,189
2022	$246,170	$219,475	$372,086	$26,695
2021	$241,030	$215,798	$342,701	$25,232
2020	$247,987	$235,218	$319,176	$12,769
2019	$328,902	$323,468	$299,715	$5,434

ST CHARLES DISTRICT LIBRARY