NORWOOD PUBLIC LIBRARY (EIN 461202496) - 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

2012

Legal Domicile

Principal Officer

ALICE DAVID

Phone

3153532849

Tax Period

2024-01-01 to 2024-12-31

NORWOOD PUBLIC LIBRARY, founded in 2012, is a small nonprofit in the Education sector that reported $109K in total revenue in fiscal year 2024. Net assets of $275K represent 30 months of operating reserves.

Mission

THE MISSION OF THE NORWOOD PUBLIC LIBRARY IS TO ASSURE EFFECTIVE, EXPANDING FREE LIBRARY SERVICES FOR THE RESIDENTS OF THE LIBRARY DISTRICT THROUGH EDUCATIONAL, INFORMATIONAL, AND CULTURAL RESOURCES AND ACTIVITIES.

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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 $19,034

Program Service Revenue $89,001

Investment Income $285

Other Revenue $392

TOTAL REVENUE $108,712

Expense Breakdown

Grants Paid $0

Salaries & Benefits $55,503

Fundraising Expenses $0

Program Expenses $91,701

Other Expenses $60,290

TOTAL EXPENSES $115,793

Year-over-Year Comparison

	2024	2023	Change
Revenue	$108,712	$106,750	+0.0%
Expenses	$115,793	$105,665	+0.1%
Net Income	$-7,081	$1,085	-7.5%

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

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

Total Directors

$33,008

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
AMANDA JONES	LIBRARY DIRE	24.00	Director	$33,008	$0	$33,008
ALICE DAVID	PRESIDENT	1.00	Officer Director	$0	$0	$0
KATHLEEN HARTMAN	VICE PRESIDE	1.00	Officer Director	$0	$0	$0
HOLLIS SCOTT	SECRETARY	1.00	Officer Director	$0	$0	$0
LEONARD HALPERN	TRUSTEE	0.50	Director	$0	$0	$0
DENISE DIVINCENZO	TRUSTEE	0.50	Director	$0	$0	$0
CARROLL BOSWELL	TRUSTEE	0.50	Director	$0	$0	$0
STEPHEN MURRAY	TRUSTEE	0.50	Director	$0	$0	$0
DAVID FENTON	TRUSTEE	0.50	Director	$0	$0	$0
BRIDGETT OSYPIEWSKI	TRUSTEE	0.50	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
2024	$108,712	$115,793	$283,255	$-7,081
2023	$106,750	$105,665	$284,425	$1,085
2022	$97,236	$104,856	$282,788	$-7,620
2021	$101,449	$94,743	$289,884	$6,706
2020	$93,099	$104,858	$288,555	$-11,759
2019	$162,904	$90,516	$294,397	$72,388
2018	$93,064	$85,536	$222,027	$7,528

NORWOOD PUBLIC LIBRARY