Pembroke Library Association
Pembroke Library Association experienced a significant increase in liabilities and operated at a deficit in 2016 after a strong surplus in 2015.
EIN: 10544164 · Pembroke, ME · NTEE: B70 · Updated: 2026-03-28
| Metric | Value |
|---|---|
| Total Expenses | $129K |
| Program Spending | 80% |
| Net Assets | $53K |
| Transparency Score | 65/100 |
Search Intent Cockpit
Pembroke Library Association Form 990, Revenue, CEO Pay, and IRS Filing Signals
Pembroke Library Association is surfaced here as a decision-ready nonprofit financial profile, not just a charity listing. The page consolidates IRS Form 990 revenue, expenses, assets, tax-exempt classification, executive compensation, mission score, red flags, and year-by-year filing history so donors, researchers, journalists, and grant teams can answer the common search questions around Pembroke Library Association in one place.
Form 990 Filing Summary
2 filing years are available, with latest revenue of $110K and expenses of $129K.
Revenue and Expenses
Pembroke Library Association reported $110K in revenue and $129K in expenses, a deficit of $19K.
Executive Compensation
Officer, director, trustee, and key employee pay is reviewed from IRS 990 compensation disclosures when present.
Charity Score and Red Flags
65/100 mission score, 3 red flags, and 3 strengths are shown from structured and AI review.
Is Pembroke Library Association Legit?
Some Concerns
Assessment based on IRS 990 filings, spending patterns, and AI analysis. Not a guarantee of legitimacy. Full charity check →
IRS 990 Data Cockpit
Where the Money Comes From and Where It Goes
Revenue Source Mix
Revenue-source line items are not available on the stored filing yet. Future ingestion now preserves contribution, program-revenue, and investment-income fields when ProPublica provides them.
Expense Deployment
| Program services | $103K (80%) |
Across stored filings, Pembroke Library Association shows contribution history pending. Next enrichment targets: revenue-source fields, IRS BMF classification.
Decision Cockpit
One-Stop Donor, Research, and Peer Context Hub
| Decision Lens | Signal | What to Inspect Next |
|---|---|---|
| Legitimacy | Some Concerns | Limited filing record; 3 red flags identified |
| Mission spend | 80% to programs | Excellent |
| Financial durability | Grade C | 2 stored filing years |
| Peer context | Compare with Maine Composite Materials Applied Technology Development Center | Maine and Education context |
Trust Check
Review legitimacy, deductibility, red flags, and filing consistency.
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Local and Sector Spokes
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Donation Decision Flow
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Some Concerns. Check deductibility, filings, and red flags.
2Understand money
80% of spending goes to programs.
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Keep the Investigation Moving
Pembroke Library Association directs 80% of its spending to programs. This exceeds the industry benchmark of 65%, indicating strong mission focus.
About Pembroke Library Association
Pembroke Library Association (EIN: 10544164) is a nonprofit organization based in Pembroke, ME, classified under NTEE code B70. The organization reported total revenue of $0 and total assets of $0 according to its most recent IRS 990 filing. This transparency report provides an AI-powered analysis of Pembroke Library Association's financial health, spending patterns, executive compensation, and overall mission effectiveness based on publicly available IRS data.
Organization Overview
Pembroke Library Association is a small nonprofit that has been operating for 25 years, with 2 years of IRS 990 filings on record (2015–2016). Revenue has grown at a compound annual rate of -19.4%.
Key Financial Metrics (2016)
From the most recent IRS 990 filing on record:
| Total Revenue | $110K |
| Total Expenses | $129K |
| Surplus / Deficit | $-18,722 |
| Total Assets | $367K |
| Total Liabilities | $315K |
| Net Assets | $53K |
| Operating Margin | -17.0% |
| Debt-to-Asset Ratio | 85.6% |
| Months of Reserves | 34.2 months |
Financial Health Grade: C
In 2016, Pembroke Library Association reported a deficit of $19K with expenses exceeding revenue, holds 34.2 months of operating reserves (strong position), has a debt-to-asset ratio of 85.6% (high leverage).
Financial Trends
Over 2 years of filings (2015–2016), Pembroke Library Association's revenue has declined at a compound annual growth rate (CAGR) of -19.4%.
| Year | Revenue Change | Expense Change | Asset Change |
|---|---|---|---|
| 2016 | -19.4% | +1263.0% | +9.3% |
IRS Tax-Exempt Classification
| IRS Classification Codes | 1200 |
| IRS Ruling Date | 2001 |
Classification data from ProPublica Nonprofit Explorer. Additional BMF data may be available after enrichment.
AI Transparency Report
Mission Effectiveness Score
NonprofitSpending's AI analysis rates Pembroke Library Association with a Mission Score of 65 out of 100 (Good). This score reflects the organization's overall financial transparency, program spending efficiency, and governance indicators derived from IRS 990 public filings.
Spending Breakdown
- admin: 15%
- programs: 80%
- fundraising: 5%
According to IRS 990 filings, Pembroke Library Association allocates its expenses as follows: admin: 15%, programs: 80%, fundraising: 5%. With 80% directed toward programs, this reflects a strong commitment to its charitable mission.
Key Financial Metrics (2016)
From the most recent IRS 990 filing on record:
- The organization reported a deficit of $19K, with expenses exceeding revenue.
- Debt-to-asset ratio: 85.6%.
Executive Compensation Analysis
Executive compensation was reported as 0% in both 2015 and 2016, indicating that the organization's leadership is either entirely volunteer-based or compensated through non-officer roles, which is positive for resource allocation given the organization's size.
Executive compensation data is sourced from IRS 990 filings, which require nonprofits to disclose the compensation of officers, directors, trustees, and key employees. NonprofitSpending analyzes this data relative to the organization's total revenue and sector benchmarks to assess whether executive pay is reasonable.
Red Flags
The following concerns were identified during AI analysis of Pembroke Library Association's IRS 990 filings:
- Significant increase in liabilities from $0 to $314,513 in one year (2015-2016).
- Operating at a deficit in 2016 ($110,037 revenue vs. $128,759 expenses).
- Lack of detailed expense breakdown to assess spending efficiency.
Strengths
The following positive indicators were identified for Pembroke Library Association:
- Zero reported officer compensation in both periods, indicating efficient use of funds for leadership.
- Strong financial surplus in 2015 ($136,477 revenue vs. $9,447 expenses).
- Maintained a substantial asset base ($367,334 in 2016).
Frequently Asked Questions about Pembroke Library Association
Is Pembroke Library Association a legitimate charity?
Pembroke Library Association (EIN: 10544164) is a registered tax-exempt nonprofit based in Maine. Our AI analysis gives it a Mission Score of 65/100. It has 2 years of IRS 990 filings on record. 3 red flags identified. 3 strengths noted. Financial health grade: C.
How does Pembroke Library Association spend its money?
Pembroke Library Association directs 80% of its spending to programs and services. Fundraising costs 5%. This exceeds the 65% industry benchmark.
Are donations to Pembroke Library Association tax-deductible?
Pembroke Library Association is registered as a tax-exempt nonprofit (EIN: 10544164). Donations to most 501(c)(3) organizations are tax-deductible. Consult a tax professional for your specific situation.
What percentage of Pembroke Library Association's spending goes to programs?
Pembroke Library Association directs 80% to programs, 5% to fundraising. This exceeds the 65% industry benchmark for efficient nonprofits.
How does Pembroke Library Association compare to similar nonprofits?
With a transparency score of 65/100 (Good), Pembroke Library Association is above average for NTEE category B70 nonprofits. The score reflects financial transparency, program spending efficiency, and governance quality based on IRS 990 data.
Where is Pembroke Library Association located?
Pembroke Library Association is headquartered in Pembroke, Maine and files with the IRS under EIN 10544164. It is classified under NTEE code B70.
How many years of IRS 990 filings does Pembroke Library Association have?
Pembroke Library Association has 2 years of IRS 990 filings on record at NonprofitSpending. Additional filing years may become available as the IRS releases new data.
What caused the substantial increase in liabilities from $0 in 2015 to $314,513 in 2016?
The provided data does not specify the nature of these liabilities, but their sudden appearance and magnitude are a significant financial concern.
How does the Pembroke Library Association plan to address its 2016 operating deficit of $18,722?
The filings do not provide a strategic plan for addressing deficits, but sustained deficits could erode assets over time.
What is the breakdown of the $128,759 in expenses reported in 2016?
Without a detailed breakdown, it's difficult to assess the efficiency of program delivery versus administrative or fundraising costs.
Filing History
IRS 990 filing history for Pembroke Library Association showing financial trends over 2 years of public records:
Over 2 years of IRS 990 filings (2015–2016), Pembroke Library Association's revenue has declined by 19.4%, moving from $136K to $110K. Total assets increased by 9.3% over the same period, from $336K to $367K. Total functional expenses rose by 1263%, from $9K to $129K. In its most recent filing year (2016), Pembroke Library Association reported a deficit of $19K, with expenses exceeding revenue. The organization holds $315K in liabilities against $367K in assets (debt-to-asset ratio: 85.6%), resulting in net assets of $53K.
| Year | Revenue | Expenses | Assets | Liabilities | Officer Comp. % | |
|---|---|---|---|---|---|---|
| 2016 | $110K | $129K | $367K | $315K | — | View 990 |
| 2015 | $136K | $9K | $336K | $0 | — | View 990 |
View Individual Filing Years
Explore detailed financial data from each IRS 990 filing year for Pembroke Library Association:
Data Sources and Methodology
This transparency report for Pembroke Library Association is generated by NonprofitSpending's AI analysis engine. The data is sourced from publicly available IRS 990 filings accessed through the ProPublica Nonprofit Explorer API and IRS electronic filing records. The Mission Score, spending breakdown, and other analytical insights are produced by artificial intelligence and should be used as one of multiple factors when evaluating a nonprofit organization.
IRS 990 forms are annual information returns that most tax-exempt organizations must file with the IRS. These forms provide detailed financial information including revenue, expenses, assets, liabilities, and compensation of officers. NonprofitSpending processes this data to provide accessible transparency reports for donors, researchers, and the general public.
Disclaimer
AI-generated analysis based on IRS public records. Not financial or legal advice. Verify information directly with the organization.