STILLWATER PUBLIC LIBRARY (EIN 814649377) - 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

2016

Principal Officer

HEATHER FRANK

Tax Period

2024-07-01 to 2025-06-30

STILLWATER PUBLIC LIBRARY, founded in 2016, is a small nonprofit in the Education sector that reported $805K in total revenue in fiscal year 2024. Expenses of $747K left a modest 7% surplus.

Mission

OPERATE A 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 (2024)

Revenue Breakdown

Contributions & Grants $788,173

Program Service Revenue $1,282

Investment Income $6,930

Other Revenue $8,800

TOTAL REVENUE $805,185

Expense Breakdown

Grants Paid $0

Salaries & Benefits $241,459

Fundraising Expenses $0

Program Expenses $739,949

Other Expenses $505,385

TOTAL EXPENSES $746,844

Year-over-Year Comparison

	2024	2023	Change
Revenue	$805,185	$825,402	0.0%
Expenses	$746,844	$651,171	+0.1%
Net Income	$58,341	$174,231	-0.7%

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

$67,531

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
SARA KIPP	LIBRARY DIRE	40.00	Director	$67,531	$0	$67,531
HEATHER FRANK	PRESIDENT	2.00	Officer Director	$0	$0	$0
EMILY MOOSE	VICE PRESIDE	1.00	Officer Director	$0	$0	$0
RACHEL WOMBLE	VP FINANCE	1.00	Officer Director	$0	$0	$0
CHRISTINE ZARZEWSKI	SECRETARY	1.00	Officer Director	$0	$0	$0
THOMAS BOUCHER	TRUSTEE	1.00	Director	$0	$0	$0
JOHN BUTLER	TRUSTEE	1.00	Director	$0	$0	$0
BRANDON DINGMAN	TRUSTEE	1.00	Director	$0	$0	$0
JOEL LOMBARDI	TRUSTEE	1.00	Director	$0	$0	$0
LINDA TRACY	TRUSTEE	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	$805,185	$746,844	$5,396,986	$58,341
2024	$825,402	$651,171	$5,564,286	$174,231
2023	$504,461	$365,674	$5,684,789	$138,787
2021	$348,575	$348,275	$724,571	$300
2020	$310,670	$276,380	$740,881	$34,290
2020	$310,670	$276,380	$740,881	$34,290
2019	$302,703	$267,571	$701,654	$35,132

STILLWATER PUBLIC LIBRARY