MARYLAND LIBRARY ASSOCIATION INC (EIN 521035154) - 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

1974

Legal Domicile

Principal Officer

JOSHUA STONE

Phone

4109475090

Tax Period

2024-07-01 to 2025-06-30

MARYLAND LIBRARY ASSOCIATION INC, founded in 1974, is a small nonprofit in the Education sector that reported $487K in total revenue in fiscal year 2024. Revenue grew 17% year-over-year, indicating healthy expansion.

Mission

PROVIDES PROFESSIONAL DEVELOPMENT OPPORTUNITIES FOR LIBRARY STAFF

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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 $160,239

Program Service Revenue $307,280

Investment Income $12,186

Other Revenue $7,792

TOTAL REVENUE $487,497

Expense Breakdown

Grants Paid $6,276

Salaries & Benefits $153,112

Fundraising Expenses $3,264

Program Expenses $266,768

Other Expenses $322,774

TOTAL EXPENSES $482,162

Year-over-Year Comparison

	2024	2023	Change
Revenue	$487,497	$415,810	+0.2%
Expenses	$482,162	$415,838	+0.2%
Net Income	$5,335	$-28	-191.5%

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

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

$79,500

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
JOSHUA STONE	EXECUTIVE DIRECTOR	40.00	Officer	$79,500	$0	$79,500
DAVID DAHL	VICE PRESIDENT	1.00	Officer Director	$0	$0	$0
CHERYL NARDIELLO	TREASURER	1.00	Officer Director	$0	$0	$0
TIFFANY SUTHERLAND	PAST PRESIDENT	1.00	Officer Director	$0	$0	$0
TEONJA JUNG	PRESIDENT	1.00	Officer Director	$0	$0	$0
CHELSEA SHOCKLEY	CONFERENCE DIRECTOR	1.00	Director	$0	$0	$0
JOE THOMPSON	ALA COUNCILOR	1.00	Officer Director	$0	$0	$0
LAURA BANDOCH	BOARD SECRETARY	1.00	Officer Director	$0	$0	$0
LIZ SUNDERMANN	LEGISLATIVE PANEL	1.00	Director	$0	$0	$0
LLOYD JANSEN	INTELLECTUAL FREEDOM	1.00	Director	$0	$0	$0
WILLIAM WALLACE	EDI	1.00	Director	$0	$0	$0
ANITA CRAWFORD	PROFESSIONAL DEVELOPMENT	1.00	Director	$0	$0	$0
KATE STRAIN	ACADEMIC & RESEARCH	1.00	Director	$0	$0	$0
PAM TAYLOR	ADULT SERVICES	1.00	Director	$0	$0	$0
CHRSTINE IKO	BLACK CAUCUS	1.00	Director	$0	$0	$0
MATTHEW LOWDER	LEADERSHIP DEVELOPMENT	1.00	Director	$0	$0	$0
LOU SICA	SUPPORT STAFF	1.00	Director	$0	$0	$0
SEE ATTACHMENT	SEE ATTACHEMENT	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
2025	$487,497	$482,162	$268,504	$5,335
2024	$415,810	$415,838	$257,795	$-28
2023	$372,231	$379,233	$251,712	$-7,002
2022	$291,417	$266,265	$258,714	$25,152
2021	$231,554	$225,408	$252,548	$6,146
2020	$352,159	$300,241	$225,250	$51,918
2019	$433,004	$400,403	$179,977	$32,601

MARYLAND LIBRARY ASSOCIATION INC