LOVING LIBRARY (EIN 873953401) - 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

2021

Legal Domicile

Principal Officer

ANJLEEN GUMER

Phone

8325497248

Tax Period

2024-01-01 to 2024-12-31

LOVING LIBRARY, founded in 2021, is a small nonprofit in the Community Improvement sector that reported $108K in total revenue in fiscal year 2024. Revenue fell 23% from the prior year — a significant decline worth monitoring.

Mission

TO INSPIRE YOUTH TO IMPROVE THE MENTAL HEALTH AND WELL-BEING OF KIDS IN NEED, ONE BOOK AT A TIME.

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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 $72,573

Program Service Revenue $35,335

Investment Income $0

Other Revenue $0

TOTAL REVENUE $107,908

Expense Breakdown

Grants Paid $0

Salaries & Benefits $62,967

Fundraising Expenses $15,460

Program Expenses $76,364

Other Expenses $43,433

TOTAL EXPENSES $112,950

Year-over-Year Comparison

	2024	2023	Change
Revenue	$107,908	$139,578	-0.2%
Expenses	$112,950	$151,912	-0.3%
Net Income	$-5,042	$-12,334	-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

$39,000

Total Directors

$39,000

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
ANJLEEN GUMER	CEO	40.00	Officer Director	$30,000	$0	$30,000
ANAIK SACHDEV	PRESIDENT	10.00	Officer Director	$9,000	$0	$9,000
DOBORAH HELITZER	BOARD MEMBER	N/A	Director	$0	$0	$0
PENNY LAM	SECRETARY	N/A	Officer	$0	$0	$0
KAVITA PATEL	VICE PRESIDE	N/A	Officer	$0	$0	$0
BINAKA SHAH	COO	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
2024	$107,908	$112,950	$62,424	$-5,042
2023	$139,578	$151,912	$66,044	$-12,334

LOVING LIBRARY