BRAILLE CIRCULATING LIBRARY FOR THE BLIND INC (EIN 540585900) - Form 990 Financial Analysis & Trantor Score

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Tuckman-Chang Vulnerability Assessment

4 risk indicators measuring financial stability and operational resilience

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Financial Trends

Organization Details

Formation Year

1925

Legal Domicile

Principal Officer

DAVID A CUMMINGS

Phone

8043593743

Tax Period

2025-01-01 to 2025-12-31

BRAILLE CIRCULATING LIBRARY FOR THE BLIND INC, founded in 1925, is a community nonprofit that reported $1.0M in total revenue in fiscal year 2025. Expenses of $1.2M exceeded revenue, resulting in a 14% operating deficit.

Mission

TO SERVE THE VISUALLY HANDICAPPED WHO ARE INTERESTED IN CHRISTIAN BOOKS, TAPES, CASSETTES AND COMPACT DISCS.

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Trantor Score

Financial Health & Payment Capacity Assessment (FICO Scale: 300–850)

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Liquidity (40%) • Solvency (30%) • Sustainability (20%) • Efficiency (10%)

Financial Overview (2025)

Revenue Breakdown

Contributions & Grants $24,928

Program Service Revenue $0

Investment Income $994,498

Other Revenue $0

TOTAL REVENUE $1,019,426

Expense Breakdown

Grants Paid $1,140,448

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $1,150,602

Other Expenses $20,558

TOTAL EXPENSES $1,161,006

Year-over-Year Comparison

	2025	2024	Change
Revenue	$1,019,426	N/A	N/A
Expenses	$1,161,006	N/A	N/A
Net Income	$-141,580	N/A	N/A

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

N/A

Independent Members

N/A

Employees

N/A

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

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
DAVID A CUMMINGS	TREASURER	8.00	Officer Director	$0	$0	$0
DANNY GORDON	BOARD MEMBER	1.00	Director	$0	$0	$0
WILLIAM JEFFRIES	BOARD MEMBER	4.00	Director	$0	$0	$0
DAVID JOHNSEN	SECRETARY	1.00	Officer Director	$0	$0	$0
EUGENE PREAS	BOARD MEMBER	1.00	Director	$0	$0	$0
STEPHEN PREAS	VICE PRESIDE	1.00	Officer Director	$0	$0	$0
MELODY ROANE	PRESIDENT	2.00	Officer Director	$0	$0	$0
DAVID SOMMERS	BOARD MEMBER	1.00	Director	$0	$0	$0
MELINDA CLAPP	BOARD MEMBER	2.00	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	$1,019,426	$1,161,006	No data	$-141,580

BRAILLE CIRCULATING LIBRARY FOR THE BLIND INC