WHITEFIELD LIBRARY (EIN 825446750) - 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

2018

Legal Domicile

Principal Officer

KATHY STEWART

Tax Period

2023-01-01 to 2023-12-31

WHITEFIELD LIBRARY, founded in 2018, is a small nonprofit in the Education sector that reported $317K in total revenue in fiscal year 2023. The organization ran a surplus of $282K, a strong 89% operating margin.

Mission

THE MISSION OF THE WHITEFIELD LIBRARY IS TO BUILD COMMUNITY AND NURTURE READERS.

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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 (2023)

Revenue Breakdown

Contributions & Grants $316,853

Program Service Revenue $0

Investment Income $0

Other Revenue $0

TOTAL REVENUE $316,853

Expense Breakdown

Grants Paid $0

Salaries & Benefits $17,493

Fundraising Expenses $3,341

Program Expenses $22,468

Other Expenses $17,804

TOTAL EXPENSES $35,297

Year-over-Year Comparison

	2023	2022	Change
Revenue	$316,853	N/A	N/A
Expenses	$35,297	N/A	N/A
Net Income	$281,556	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

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

$10,000

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
SHAWN GALLAGHE	MANAGER	3	Key Emp Highest	$6,675	$0	$6,675
SUZANNE BALBO	MANAGER	3	Key Emp	$3,325	$0	$3,325
CHERYLE JOSLYN	PRESIDENT	40	Officer Director	$0	$0	$0
JENNA MARCUS	VICE PRESIDENT	1	Officer Director	$0	$0	$0
STEPHEN PIWOWA	SECRETARY	1	Officer Director	$0	$0	$0
MARY KAMINSKY	TREASURER	17	Officer Director	$0	$0	$0
SUE MCKEEN	DIRECTOR	1	Director	$0	$0	$0
JIM TORBERT	DIRECTOR	1	Director	$0	$0	$0
KATHY GOETZMAN	DIRECTOR	1	Director	$0	$0	$0
MICHELLE FINLE	DIRECTOR	1	Director	$0	$0	$0
MARGARET FERGU	DIRECTOR	1	Director	$0	$0	$0
JULIE COWLES	DIRECTOR	1	Director	$0	$0	$0
BRANDI GRADY	DIRECTOR	1	Director	$0	$0	$0
ANYA LAGASSE	DIRECTOR	1	Director	$0	$0	$0
GEORGE FERGUSS	DIRECTOR	2	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
2024	No data	No data	No data	No data
2023	$316,853	$35,297	$432,932	$281,556

WHITEFIELD LIBRARY