BRADFORD MEMORIAL LIBRARY ENDOWMENT ASSOCIATION (EIN 480942836) - 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

1982

Legal Domicile

Principal Officer

MICA HUNTER

Phone

3163213363

Tax Period

2024-01-01 to 2024-12-31

BRADFORD MEMORIAL LIBRARY ENDOWMENT ASSOCIATION, founded in 1982, is a micro nonprofit in the Education sector that reported $46K in total revenue in fiscal year 2024. Revenue surged 337% from the prior year, signaling strong growth momentum. The organization ran a surplus of $40K, a strong 87% operating margin.

Mission

TO PROVIDE ADDITIONAL RESOURCES AND SUPPORT FOR BRADFORD MEMORIAL LIBRARY

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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 $27,079

Program Service Revenue $0

Investment Income $18,768

Other Revenue $0

TOTAL REVENUE $45,847

Expense Breakdown

Grants Paid $2,995

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $2,995

Other Expenses $3,104

TOTAL EXPENSES $6,099

Year-over-Year Comparison

	2024	2023	Change
Revenue	$45,847	$10,495	+3.4%
Expenses	$6,099	$5,577	+0.1%
Net Income	$39,748	$4,918	+7.1%

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

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
NANCY WAGNER	PRESIDENT	1.00	Officer Director	$0	$0	$0
DAVID WORLEY	VICE-PRESIDENT	1.00	Officer Director	$0	$0	$0
MICA HUNTER	SECRETARY/TREASURER	1.00	Officer Director	$0	$0	$0
JUDITH COLE	DIRECTOR	1.00	Officer Director	$0	$0	$0
NICK BADWEY	DIRECTOR	1.00	Director	$0	$0	$0
KELLY TETRICK	DIRECTOR	1.00	Director	$0	$0	$0
ROSEANNA CARTER	DIRECTOR	1.00	Director	$0	$0	$0
LANETTE CADLE	DIRECTOR	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
2024	$45,847	$6,099	$335,508	$39,748
2023	$10,495	$5,577	$283,903	$4,918
2022	$-37,703	$6,348	$260,513	$-44,051
2021	$69,089	$11,776	$315,890	$57,313
2020	$-26,434	$6,557	$281,357	$-32,991
2019	$58,238	$5,895	$292,273	$52,343
2018	$18,043	$2,160	$239,930	$15,883

BRADFORD MEMORIAL LIBRARY ENDOWMENT ASSOCIATION