THE TALBOT COUNTY FREE LIBRARY ASSOCIATION INC (EIN 520629774) - 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

1926

Legal Domicile

Principal Officer

DANA NEWMAN

Phone

4108221626

Tax Period

2024-07-01 to 2025-06-30

THE TALBOT COUNTY FREE LIBRARY ASSOCIATION INC, founded in 1926, is a community nonprofit in the Education sector that reported $3.2M in total revenue in fiscal year 2024. Revenue surged 29% from the prior year, signaling strong growth momentum. Expenses of $2.8M left a modest 15% surplus.

Mission

GENERAL PUBLIC 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 $3,072,084

Program Service Revenue $161,008

Investment Income $19

Other Revenue $0

TOTAL REVENUE $3,233,111

Expense Breakdown

Grants Paid $0

Salaries & Benefits $1,660,180

Fundraising Expenses $0

Program Expenses $1,691,331

Other Expenses $1,091,288

TOTAL EXPENSES $2,751,468

Year-over-Year Comparison

	2024	2023	Change
Revenue	$3,233,111	$2,511,802	+0.3%
Expenses	$2,751,468	$2,185,456	+0.3%
Net Income	$481,643	$326,346	+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

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

$124,257

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
ANDREW THALER	TRUSTEE	2.00	Director	$0	$0	$0
SUSAN REGIER	TRUSTEE	2.00	Director	$0	$0	$0
DANA NEWMAN	EXECUTIVE DIRECTOR	40.00	Director	$124,257	$0	$124,257
BECKY AMARAL	TRUSTEE	2.00	Director	$0	$0	$0
RON ENGLE	TRUSTEE	2.00	Director	$0	$0	$0
ALEXIS ROITER	TRUSTEE	2.00	Director	$0	$0	$0
SANDY BOYD	TRUSTEE	2.00	Director	$0	$0	$0
TERRY MOORE	TRUSTEE	2.00	Director	$0	$0	$0
SUSAN SHERMAN	PRESIDENT	2.00	Officer	$0	$0	$0
ROBERT FORLONEY	VICE-PRESIDENT	2.00	Officer	$0	$0	$0
CHARLES YONKERS	SECRETARY	2.00	Officer	$0	$0	$0
MARY PELLICANO	TREASURER	2.00	Officer	$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	$3,233,111	$2,751,468	$2,238,429	$481,643
2024	$2,511,802	$2,185,456	$1,750,891	$326,346
2023	$2,297,540	$2,040,318	$1,239,024	$257,222
2022	$2,019,680	$1,935,269	$994,962	$84,411
2021	$1,892,747	$1,856,598	$1,068,067	$36,149
2020	$1,783,566	$1,784,607	$1,141,188	$-1,041
2019	$1,748,305	$1,780,444	$847,805	$-32,139
2018	$1,654,132	$1,690,640	$881,360	$-36,508

THE TALBOT COUNTY FREE LIBRARY ASSOCIATION INC