WHITEFIELD LIBRARY

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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

Phone

2075490170

Tax Period

2025-01-01 to 2025-12-31

WHITEFIELD LIBRARY, founded in 2018, is a micro nonprofit in the Education sector that reported $58K in total revenue in fiscal year 2025. Revenue fell 47% from the prior year — a significant decline worth monitoring. Net assets of $488K represent 101 months of operating reserves.

Mission

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

Program Service Accomplishments

Program 1

Expenses: $49,328

THE WHITEFIELD LIBRARY CONTINUES TO SERVE AS A VITAL COMMUNITY HUB IN

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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 $57,854

Program Service Revenue $0

Investment Income $0

Other Revenue $0

TOTAL REVENUE $57,854

Expense Breakdown

Grants Paid $0

Salaries & Benefits $9,035

Fundraising Expenses $2,971

Program Expenses $49,328

Other Expenses $49,667

TOTAL EXPENSES $58,702

Year-over-Year Comparison

	2025	2024	Change
Revenue	$57,854	$109,190	-0.5%
Expenses	$58,702	$53,036	+0.1%
Net Income	$-848	$56,154	-1.0%

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
CHERYLE JOSLYN	PRESIDENT	15	Officer Director	$0	$0	$0
JENNA MARCUS	V PRESIDENT	1	Officer Director	$0	$0	$0
KATHERINE SMIT	SECRETARY	1	Officer Director	$0	$0	$0
KATHY STEWART	TREASURER	12	Officer Director	$0	$0	$0
SUSAN MCKEEN	DIRECTOR	1	Director	$0	$0	$0
JULIE ELDER	DIRECTOR	1	Director	$0	$0	$0
LAUREN SELIGA	DIRECTOR	1	Director	$0	$0	$0
BRANDI GRADY	DIRECTOR	1	Director	$0	$0	$0
KRISTINA HARRI	DIRECTOR	1	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	$57,854	$58,702	$487,665	$-848
2024	No data	No data	No data	No data
2023	$316,853	$35,297	$432,932	$281,556