Kimberling Area Library Association (EIN 431553522) - 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

1990

Legal Domicile

Phone

4177392525

Tax Period

2024-07-01 to 2025-06-30

Kimberling Area Library Association, founded in 1990, is a small nonprofit that reported $292K in total revenue in fiscal year 2024. Revenue fell 38% from the prior year — a significant decline worth monitoring. The organization ran a surplus of $175K, a strong 60% operating margin.

Mission

The organization's mission and primary exempt purpose is educational in nature, providing library and related services and programs for residents and visitors within a 25 mile radius of Kimberling City, Missouri.

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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 $135,986

Program Service Revenue $29,186

Investment Income $126,622

Other Revenue $0

TOTAL REVENUE $291,794

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $77,433

Other Expenses $116,576

TOTAL EXPENSES $116,576

Year-over-Year Comparison

	2024	2023	Change
Revenue	$291,794	$472,315	-0.4%
Expenses	$116,576	$124,863	-0.1%
Net Income	$175,218	$347,452	-0.5%

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

111

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
Bonnie Hermann	Secretary	1.0	Officer Director	$0	$0	$0
Myra Childs	Treasurer	1.0	Officer Director	$0	$0	$0
Shelba Woday	Vice President	1.0	Officer Director	$0	$0	$0
Yvette Ayres	President	1.0	Officer Director	$0	$0	$0
Janice Rosenburg	Director	1.0	Director	$0	$0	$0
Joan Wilson	Director	1.0	Director	$0	$0	$0
Judy Heinz	Director	1.0	Director	$0	$0	$0
Nancy Saucier	Director	1.0	Director	$0	$0	$0
Sandy Bollen	Director	1.0	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	$291,794	$116,576	$3,525,808	$175,218
2024	$472,315	$124,863	$3,244,714	$347,452
2023	$157,462	$91,575	$3,818,616	$65,887
2022	$257,257	$106,327	$3,752,943	$150,930
2021	$208,547	$64,072	$3,601,080	$144,475
2020	$272,461	$65,110	$3,457,449	$207,351

Kimberling Area Library Association