ST CHARLES DISTRICT 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

1978

Legal Domicile

Principal Officer

RICHARD FULMER

Phone

9898659451

Tax Period

2025-04-01 to 2026-03-31

ST CHARLES DISTRICT LIBRARY, founded in 1978, is a small nonprofit in the Education sector that reported $327K in total revenue in fiscal year 2025. Revenue decreased 8% compared to the prior year.

Mission

PROVIDE REFERENCE AND READING

Program Service Accomplishments

Program 1

Expenses: $253,259

THE ST. CHARLES DISTRICT LIBRARY PROVIDES MATERIALS FOR REFERENCE, RECREATIONAL READING, AND LISTENING TO THE GENERAL PUBLIC.

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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 $301,702

Program Service Revenue $4,351

Investment Income $19,930

Other Revenue $745

TOTAL REVENUE $326,728

Expense Breakdown

Grants Paid $0

Salaries & Benefits $146,444

Fundraising Expenses $0

Program Expenses $253,259

Other Expenses $198,889

TOTAL EXPENSES $345,333

Year-over-Year Comparison

	2025	2024	Change
Revenue	$326,728	$354,142	-0.1%
Expenses	$345,333	$290,325	+0.2%
Net Income	$-18,605	$63,817	-1.3%

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

$1,170

Total Directors

$570

Key Employees

Highest Compensated

reported

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

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
2026	$326,728	$345,333	$647,158	$-18,605
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