COLDSPRING AREA PUBLIC LIBRARY INC (EIN 760150266) - 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

1985

Legal Domicile

Principal Officer

Marsh Brown

Phone

9366533104

Tax Period

2025-01-01 to 2025-12-31

COLDSPRING AREA PUBLIC LIBRARY INC, founded in 1985, is a small nonprofit that reported $107K in total revenue in fiscal year 2025. Revenue surged 31% from the prior year, signaling strong growth momentum. Expenses of $95K left a modest 11% surplus.

Mission

To offer library services to the Coldspring area, providing access to information in many formats, while promoting knowledge, education, lifelong learning and recreational enrichment for our patrons.

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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 (2025)

Revenue Breakdown

Contributions & Grants $97,455

Program Service Revenue $7,132

Investment Income $2,141

Other Revenue $0

TOTAL REVENUE $106,728

Expense Breakdown

Grants Paid $0

Salaries & Benefits $35,821

Fundraising Expenses $16,065

Program Expenses $44,410

Other Expenses $59,193

TOTAL EXPENSES $95,014

Year-over-Year Comparison

	2025	2024	Change
Revenue	$106,728	$81,365	+0.3%
Expenses	$95,014	$94,779	+0.0%
Net Income	$11,714	$-13,414	-1.9%

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

$18,351

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Magdalena Moseley	Co-Director	24	Highest	$14,924	$0	$14,924
Margaret Welker	Assistant Librarian	20	Key Emp	$10,878	$0	$10,878
Barbara Ponter	Assistant Librarian	12	Key Emp	$7,473	$0	$7,473
Sue Jackson	Director	2	Director	$0	$0	$0
Jerry Jones	Director	2	Director	$0	$0	$0
Michelle Torres	Director	2	Director	$0	$0	$0
Leslye McGrath	Director	2	Director	$0	$0	$0
Roger Samoff	Director	2	Director	$0	$0	$0
Jeanna Moss	Director	2	Director	$0	$0	$0
Marsha Brown	President	12	Officer	$0	$0	$0
Benita Malone	Vice President	10	Officer	$0	$0	$0
Cheryl Golden	Treasurer	15	Officer	$0	$0	$0
Jan Brown-Toronjo	Secretary	4	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	$106,728	$95,014	$432,046	$11,714
2024	$81,365	$94,779	$420,332	$-13,414
2023	$74,355	$78,706	$433,746	$-4,351
2022	$54,409	$137,378	$452,292	$-82,969
2021	$64,381	$66,359	$576,615	$-1,978

COLDSPRING AREA PUBLIC LIBRARY INC