Saginaw Public Libraries Foundation (EIN 382816474) - 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

1986

Legal Domicile

Principal Officer

Maria McCarville

Phone

9897559833

Tax Period

2024-07-01 to 2025-06-30

Saginaw Public Libraries Foundation, founded in 1986, is a small nonprofit that reported $265K in total revenue in fiscal year 2024. Revenue surged 1305% from the prior year, signaling strong growth momentum. The organization ran a surplus of $241K, a strong 91% operating margin.

Mission

Support library activities through materials and services

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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 $252,346

Program Service Revenue $0

Investment Income $12,667

Other Revenue $0

TOTAL REVENUE $265,013

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $511

Other Expenses $24,457

TOTAL EXPENSES $24,457

Year-over-Year Comparison

	2024	2023	Change
Revenue	$265,013	$18,863	+13.0%
Expenses	$24,457	$17,717	+0.4%
Net Income	$240,556	$1,146	+208.9%

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

$112,303

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Maria McCarville	Executive Director	1.00	Officer	$0	$19,948	$112,303
Diane Kloc	President	1.00	Officer Director	$0	$0	$0
Trisha Baker	Vice President	1.00	Officer Director	$0	$0	$0
Cecelia Hopkins	Treasurer	1.00	Officer Director	$0	$0	$0
Sarah Keenan-Lechel	Secretary	1.00	Officer Director	$0	$0	$0
Pamela Clark	Trustee	1.00	Director	$0	$0	$0
Ralph J Martin	Trustee	1.00	Director	$0	$0	$0
Michael Foust	Trustee	1.00	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	$265,013	$24,457	$2,155,764	$240,556
2024	$18,863	$17,717	$1,742,739	$1,146
2023	$7,159	$3,981	$1,588,558	$3,178
2022	$-911,330	$5,410	$1,465,010	$-916,740
2021	$121,754	$4,120	$1,653,570	$117,634
2020	$154,715	$8,219	$1,522,286	$146,496
2019	$40,490	$19,279	$1,358,894	$21,211

Saginaw Public Libraries Foundation