J G GUTEKUNST CHARITABLE TRUST %FARMERS SAVINGS BANK TRUST DEPT (EIN 426195862) - 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

1973

Legal Domicile

Principal Officer

FARMERS SAVINGS BANK NOR

Phone

6417522525

Tax Period

2023-07-01 to 2024-06-30

J G GUTEKUNST CHARITABLE TRUST %FARMERS SAVINGS BANK TRUST DEPT, founded in 1973, is a small nonprofit in the Education sector that reported $204K in total revenue in fiscal year 2023. Revenue fell 23% from the prior year — a significant decline worth monitoring. Net assets of $718K represent 42 months of operating reserves.

Mission

TO PROVIDE A PUBLIC LIBRARY FOR THE COMMUNITY AND SURROUNDING COMMUNITIES.

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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 (2023)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $0

Investment Income $18,654

Other Revenue $185,655

TOTAL REVENUE $204,309

Expense Breakdown

Grants Paid $212,000

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $212,000

Other Expenses $7,115

TOTAL EXPENSES $219,115

Year-over-Year Comparison

	2023	2022	Change
Revenue	$204,309	$266,336	-0.2%
Expenses	$219,115	$265,545	-0.2%
Net Income	$-14,806	$791	-19.7%

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

N/A

Independent Members

N/A

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
N/A	TRUST DEPARTMENT	2.00		$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	No data	No data	No data	No data
2024	$204,309	$219,115	$717,615	$-14,806
2023	$266,336	$265,545	$732,421	$791
2022	$215,680	$209,105	$731,630	$6,575
2021	$144,276	$146,090	$725,055	$-1,814
2020	$159,630	$167,580	$726,869	$-7,950
2019	$144,547	$161,070	$734,819	$-16,523

J G GUTEKUNST CHARITABLE TRUST %FARMERS SAVINGS BANK TRUST DEPT