PAGE LIBRARY ASSOCIATION INC

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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

1947

Legal Domicile

Principal Officer

MEREDITH HOUFF

Phone

5407436867

Tax Period

2018-10-01 to 2019-09-30

PAGE LIBRARY ASSOCIATION INC, founded in 1947, is a micro nonprofit in the Education sector that reported $24K in total revenue in fiscal year 2018. Expenses of $34K exceeded revenue, resulting in a 40% operating deficit.

Mission

TO MAINTAIN A PUBLIC LIBRARY FOR THE USE AND BENEFIT OF THE CITIZENS OF THE TOWN OF LURAY AND OF PAGE COUNTY AND OF OTHER PERSONS.

Program Service Accomplishments

Program 1

Expenses: $33,011 Revenue: $1,189

MAINTAINED PAGE 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 (2018)

Revenue Breakdown

Contributions & Grants $13,788

Program Service Revenue $1,189

Investment Income $4,039

Other Revenue $5,132

TOTAL REVENUE $24,148

Expense Breakdown

Grants Paid $0

Salaries & Benefits $3,596

Fundraising Expenses $0

Program Expenses $33,011

Other Expenses $30,321

TOTAL EXPENSES $33,917

Year-over-Year Comparison

	2018	2017	Change
Revenue	$24,148	$23,635	+0.0%
Expenses	$33,917	$33,216	+0.0%
Net Income	$-9,769	$-9,581	+0.0%

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

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
SUSAN DEES	TRUSTEE	0.60	Director	$0	$0	$0
SALLY KELLEY	TRUSTEE	0.70	Director	$0	$0	$0
CINDY MASINCUP	TRUSTEE	0.50	Director	$0	$0	$0
JOHN DEDMAN	TRUSTEE	0.80	Director	$0	$0	$0
ISABEL GRAVES	TRUSTEE	0.10	Director	$0	$0	$0
DONNA WHITLEY-SMITH	TRUSTEE	0.50	Director	$0	$0	$0
SUSAN KLINE	TRUSTEE	0.50	Director	$0	$0	$0
CATHY WHITTLE	TRUSTEE	0.50	Director	$0	$0	$0
MEREDITH HOUFF	PRESIDENT	5.40	Officer	$0	$0	$0
JEAN NOBLETTE	TREASURER	3.80	Officer	$0	$0	$0
NANCY KRAUSE	VICE PRESIDENT	0.70	Officer	$0	$0	$0
SHARON JANNEY	SECRETARY	0.60	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
2019	$24,148	$33,917	$504,800	$-9,769