GULF BEACHES PUBLIC LIBRARY INC (EIN 591271151) - 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

1969

Legal Domicile

Principal Officer

STANLEY SILVERSTEIN

Phone

7273912828

Tax Period

2024-10-01 to 2025-09-30

GULF BEACHES PUBLIC LIBRARY INC, founded in 1969, is a community nonprofit in the Education sector that reported $1.2M in total revenue in fiscal year 2024. Revenue surged 87% from the prior year, signaling strong growth momentum. The organization ran a surplus of $209K, a strong 17% operating margin.

Mission

OPERATION OF A PUBLIC LIBRARY INCLUDING MAINTENANCE OF CIRCULATING AND REFERENCE LIBRARY MATERIALS

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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 $1,079,433

Program Service Revenue $516

Investment Income $9

Other Revenue $157,917

TOTAL REVENUE $1,237,875

Expense Breakdown

Grants Paid $0

Salaries & Benefits $323,936

Fundraising Expenses $0

Program Expenses $504,487

Other Expenses $704,725

TOTAL EXPENSES $1,028,661

Year-over-Year Comparison

	2024	2023	Change
Revenue	$1,237,875	$661,860	+0.9%
Expenses	$1,028,661	$534,617	+0.9%
Net Income	$209,214	$127,243	+0.6%

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

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
RICHARD NAGRABSKI	CHAIRPERSON	N/A	Officer Director	$0	$0	$0
ERIN SCHOOS	SECRETARY	N/A	Officer Director	$0	$0	$0
DEBORAH TOTH	TREASURER	N/A	Officer Director	$0	$0	$0
DAVID WILL	VICE CHAIRPE	N/A	Officer Director	$0	$0	$0
STANLEY SILVERSTEIN	ACTING DIREC	N/A	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	$1,237,875	$1,028,661	$1,413,178	$209,214
2024	$661,860	$534,617	$1,206,666	$127,243
2023	$529,826	$533,489	$1,084,448	$-3,663
2022	$515,006	$512,412	$1,082,309	$2,594
2021	$560,929	$582,737	$1,083,980	$-21,808
2020	$672,723	$514,026	$1,104,082	$158,697
2019	$560,773	$537,699	$949,534	$23,074
2018	$574,401	$513,195	$923,351	$61,206

GULF BEACHES PUBLIC LIBRARY INC