Civic Intelligence

Valley Cottage Library

EIN 13-6128677 • 501(c)3 • Valley Cottage, NY

View Organization Page

Profile

PUBLIC LIBRARY

110 Route 303Valley Cottage, NY 10989

www.vclib.org

Siviq Scores

Precomputed percentiles relative to similar nonprofits. These scores are descriptive rather than judgmental.

Liabilities / Assets

65th percentile

0.26x

Higher debt load relative to assets than 65% of similar nonprofits.

501(c)3 • $5M-$10M nonprofits • Source year 2024

Liabilities / Revenue

83rd percentile

0.91x

Higher debt load relative to revenue than 83% of similar nonprofits.

501(c)3 • $5M-$10M nonprofits • Source year 2024

Net Margin

39th percentile

0.6%

Higher net margin than 39% of similar nonprofits.

501(c)3 • $5M-$10M nonprofits • Source year 2024

Top Officer Pay

Score unavailable

No value available

No filing with officer rows is available for this organization yet.

Asset Growth

35th percentile

0.2%

Faster asset growth than 35% of similar nonprofits.

501(c)3 • $5M-$10M nonprofits • Annualized from 2023 to 2024

Revenue Growth

25th percentile

-5.8%

Faster revenue growth than 25% of similar nonprofits.

501(c)3 • $5M-$10M nonprofits • Annualized from 2023 to 2024

Balance Sheet
Liabilities / Assets65th percentile

Assets

Up

$9,271,816

Up $17,910 (+0.2%) from 2023

Liabilities

Up

$2,434,404

Up $2,909 (+0.1%) from 2023

Net Assets

Up

$6,837,412

Up $15,001 (+0.2%) from 2023

Operations
Liabilities / Revenue83rd percentileNet Margin39th percentile

Revenue

Down

$2,681,699

Down $163,865 (-5.8%) from 2023

Expenses

Up

$2,666,698

Up $135,169 (+5.3%) from 2023

Net Income

Down

$15,001

Down $299,034 (-95%) from 2023

Trend Graphs

Balance Sheet Trend

Asset Growth35th percentile

Grouped bars show assets, liabilities, and net assets across loaded filings.

$15M$10M$5.0M$0Assets 2010: $8,491,625Liabilities 2010: $2,153,384Net Assets 2010: $6,338,2412010Assets 2011: $9,483,860Liabilities 2011: $2,869,847Net Assets 2011: $6,614,0132011Assets 2012: $10,160,268Liabilities 2012: $2,866,749Net Assets 2012: $7,293,5192012Assets 2013: $10,502,760Liabilities 2013: $2,725,786Net Assets 2013: $7,776,9742013Assets 2014: $10,790,916Liabilities 2014: $2,602,966Net Assets 2014: $8,187,9502014Assets 2015: $10,702,902Liabilities 2015: $2,461,906Net Assets 2015: $8,240,9962015Assets 2016: $10,571,283Liabilities 2016: $2,336,277Net Assets 2016: $8,235,0062016Assets 2017: $8,128,594Liabilities 2017: $2,206,665Net Assets 2017: $5,921,9292017Assets 2018: $8,073,805Liabilities 2018: $2,149,759Net Assets 2018: $5,924,0462018Assets 2019: $8,098,877Liabilities 2019: $2,108,864Net Assets 2019: $5,990,0132019Assets 2020: $8,422,594Liabilities 2020: $2,179,432Net Assets 2020: $6,243,1622020Assets 2021: $8,620,075Liabilities 2021: $2,175,311Net Assets 2021: $6,444,7642021Assets 2022: $8,737,053Liabilities 2022: $2,228,677Net Assets 2022: $6,508,3762022Assets 2023: $9,253,906Liabilities 2023: $2,431,495Net Assets 2023: $6,822,4112023Assets 2024: $9,271,816Liabilities 2024: $2,434,404Net Assets 2024: $6,837,4122024

Highlighted filing

2024

Assets$9,271,816
Liabilities$2,434,404
Net Assets$6,837,412
Open 2024 Filing

Operations Trend

Revenue Growth25th percentile

Revenue, expenses, and net income by year, with the latest filing highlighted.

$3.0M$2.0M$1.0M$0Expenses 2010: $1,632,9572010Expenses 2011: $1,664,6822011Expenses 2012: $1,684,8042012Revenue 2013: $2,165,294Expenses 2013: $1,875,138Net Income 2013: $290,1562013Revenue 2014: $2,215,288Expenses 2014: $2,001,365Net Income 2014: $213,9232014Revenue 2015: $2,247,943Expenses 2015: $2,096,096Net Income 2015: $151,8472015Revenue 2016: $2,275,812Expenses 2016: $2,186,054Net Income 2016: $89,7582016Revenue 2017: $2,314,777Expenses 2017: $2,180,650Net Income 2017: $134,1272017Revenue 2018: $2,338,159Expenses 2018: $2,336,042Net Income 2018: $2,1172018Revenue 2019: $2,415,166Expenses 2019: $2,349,199Net Income 2019: $65,9672019Revenue 2020: $2,535,775Expenses 2020: $2,282,626Net Income 2020: $253,1492020Revenue 2021: $2,467,810Expenses 2021: $2,266,209Net Income 2021: $201,6012021Revenue 2022: $2,461,536Expenses 2022: $2,397,924Net Income 2022: $63,6122022Revenue 2023: $2,845,564Expenses 2023: $2,531,529Net Income 2023: $314,0352023Revenue 2024: $2,681,699Expenses 2024: $2,666,698Net Income 2024: $15,0012024

Highlighted filing

2024

Revenue$2,681,699
Expenses$2,666,698
Net Income$15,001
Open 2024 Filing

Filings

Most recent year

2024 • Form 990Facts available. Structured filing facts are available, but richer extracted sections are limited.

Open filing
Assets
$9,271,816
Liabilities
$2,434,404
Net assets
$6,837,412
Revenue
$2,681,699
Expenses
$2,666,698
Net income
$15,001
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Facts available. Structured filing facts are available, but richer extracted sections are limited.$9.27$2.43$6.84$2.68$2.67$0.02
2023XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$9.25$2.43$6.82$2.85$2.53$0.31
2022XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$8.74$2.23$6.51$2.46$2.40$0.06
2021Facts available. Structured filing facts are available, but richer extracted sections are limited.$8.62$2.18$6.44$2.47$2.27$0.20
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$8.42$2.18$6.24$2.54$2.28$0.25
2019Facts available. Structured filing facts are available, but richer extracted sections are limited.$8.10$2.11$5.99$2.42$2.35$0.07
2018XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$8.07$2.15$5.92$2.34$2.34$0.00
2017Facts available. Structured filing facts are available, but richer extracted sections are limited.$8.13$2.21$5.92$2.31$2.18$0.13
2016XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$10.6$2.34$8.24$2.28$2.19$0.09
2015XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$10.7$2.46$8.24$2.25$2.10$0.15
2014Detailed filing. Detailed filing data is available for this year.$10.8$2.60$8.19$2.22$2.00$0.21
2013Detailed filing. Detailed filing data is available for this year.$10.5$2.73$7.78$2.17$1.88$0.29
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$10.2$2.87$7.29$1.68
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$9.48$2.87$6.61$1.66
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$8.49$2.15$6.34$1.63
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
Jun 5, 2025
Return Version
2024v5.1
Gross Receipts
$2,681,699
Mission and Program Overview

Mission

PUBLIC LIBRARY

Valley Cottage Library a not-for-profit corporation chartered by the New York State Education Department in 1959. It is organized to serve the educational and cultural needs of the community of the Nyack School District. It is concerned with providing materials for literacy, education, and cultural purposes and serves as a community and neighborhood meeting place. The Library is chartered to serve the residents of Valley Cottage (population. 9,038 as of the 2020 US Census) and it also provides equal services to all Nyack Residents. For the year ended December 31, 2024, the Nyack School District provided approximately 91% of the Librarys funding primarily through tax assessments. Operating under a seven-member Board of Trustees, the Library participates in community-driven initiatives and enhancement efforts through developing partnerships within our service area for the benefit of all residents within our chartered area.

Balance Sheet Detail
LineBeginningEndChange
Assets
Savings and Temporary Cash Investments$4,760,645$4,992,838▲ $232,193
Land, Buildings, and Equipment, Net$4,084,017$3,870,339▼ $213,678
Prepaid Expenses and Deferred Charges$1,215$0▼ $1,215
Cash and Non-Interest-Bearing Accounts$110$100▼ $10
Accounts Receivable-$0-
Other Notes and Loans Receivable, Net-$0-
Pledges and Grants Receivable-$0-
Receivable From Disqualified Prsn-$0-
Receivables From Officers Etc-$0-
Investments Other Securities-$0-
Investments Program Related-$0-
Investments in Publicly Traded Securities-$0-
Intangible Assets-$0-
Inventories for Sale or Use-$0-
Total Assets$9,253,906$9,271,816▲ $17,910
Other Assets Total$407,919$408,539▲ $620
Liabilities
Deferred Revenue$2,229,136$2,316,602▲ $87,466
Accounts Payable and Accrued Expenses$101,166$114,980▲ $13,814
Other Liabilities$101,193$2,822▼ $98,371
Total Liabilities$2,431,495$2,434,404▲ $2,909
Net Assets / Fund Balance
Net Assets Without Donor Restrictions$6,784,901$6,798,304▲ $13,403
Net Assets With Donor Restrictions$37,510$39,108▲ $1,598
Total Net Assets Fund Balance$6,822,411$6,837,412▲ $15,001
Total Liabilities and Net Assets / Fund Balance$9,253,906$9,271,816▲ $17,910

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$2,286,921$3,592,057$5,878,978
Leasehold Improvements$835,475$838,402$1,673,877
Land$681,394-$681,394
Other Land Buildings$66,549$392,098$458,647
Compensation and Service Providers
Top Officer PayScore unavailable

Employees

NameTitleFull / Part TimeBaseTotal
Christy BlanchetteExecutive DirectorFT$150,000$150,000
Ashley MaraffinoAssistant Director-$100,789$100,789

Board Members and Trustees

NameTitle
Frank DwyerPresident
Marjorie McloughlinVice President
Arlette M MooneyTrustee
Jemar WardTrustee
Mary FioreTrustee
Melissa L RoySecretary
Michael MarkTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$27,086
Program Service Revenue
$2,466,086
Investment Income
$188,527
Other Revenue
$0
All Other Contributions
$5,417
Change in Net Assets
$15,001

Audited Revenue Reconciliation

Revenue per Audited Statements
$2,681,699
Total Revenue per Audited Statements
$2,681,699
Total Revenue per Form 990
$2,681,699
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$1,730,586
Other Expenses$936,112
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages$1,103,814$24,305-$1,128,119
Depreciation Depletion$409,022$22,976-$431,998
Current Officers, Directors, Trustees, and Key Employees$121,118$129,671-$250,789
Other Employee Benefits$173,626$21,925-$195,551
Payroll Taxes$91,537$11,506-$103,043
Insurance$80,277$12,628-$92,905
All Other Expenses$36,930$19,060-$55,990
Pension Plan Contributions$47,245$5,839-$53,084
Advertising$44,344$4,119-$48,463
Other Expenses$10,975$1,220-$12,195
Fees for Services Accounting-$11,000-$11,000
Travel$4,448--$4,448
Fees for Services Legal-$2,250-$2,250
Total Functional Expenses$2,382,580$284,118$0$2,666,698

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$2,666,698
Total Expenses per Audited Statements$2,666,698
Total Expenses per Form 990$2,666,698
Fundraising, Events, and Gaming
Fundraising activities
No
Gaming activities
No
Professional fundraiser used
No

Fundraising and Gaming Totals

Line ItemAmount
Professional Fundraising Fees$0
Political and Lobbying Activity
Political campaign activity
No
Lobbying activity
No
Subject to proxy tax
No
Insider Transactions and Loans

Loans and Receivables

Line ItemBeginningEndChange
Receivables from Disqualified Persons-$0-
Receivables from Officers, Directors, Trustees, and Key Employees-$0-
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
lEASE lIABILITY$2,822
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Audit committee
Yes
Backup withholding compliance
Yes
Business relationship with 35% controlled entity
No
Business relationship with family members
No
Business relationship with organization members
No
Material changes to governing documents
No
Compensation from other sources disclosed
No
CEO compensation reviewed
Yes
Other officer compensation reviewed
Yes
Conflict-of-interest policy
Yes
Audited financial statements prepared
No
Key decisions subject to board approval
Yes
Management duties delegated
No

Governance Explanations

Form 990, Part VI, Section A, Line 7A

“Elections of members and their rights board officers elected by existing board members”

Form 990, Part VI, Section A, Line 7B

“Decisions subject to approval of members majority vote of board of directors and/or association members.”

Form 990, Part VI, Section B, Line 11B

“Organization's process to review form 990 reviewed by board members.”

Form 990, Part VI, Section B, Line 12C

“Enforcement of conflicts policy all new officers, directors, & trustees are required to read, and sign the library conflict of interest statement to verify compliance. Updated compliance acknowledgement sign off is required at least annually.”

Form 990, Part VI, Section B, Line 15A

“Compensation process for top officers director compensation requires majority board approval.”

Form 990, Part VI, Section B, Line 15B

“Compensation process for officers director compensation requires majority board approval.”

Form 990, Part VI, Section C, Line 19

“Governing documents disclosure explanation all documents are available to public upon request.”

Filing and Contact Details

Filer

Filer Name
Valley Cottage Library
EIN
13-6128677
Phone
8452687700
Address
110 ROUTE 303, VALLEY COTTAGE, NY 10989

Signing Officer

Name
Frank Dwyer
Title
President
Signed
2025-06-05
Discuss with paid preparer
Yes

Organization Details

Formed
1959
Legal Domicile
Ny
Voting Board Members
7
Independent Board Members
7
Employees
48
Volunteers
7

Preparer

Firm
Berard & Associates Cpas Pc
Address
44 PARK AVE, SUFFERN, NY 10901
Preparer
Donalee R Berard
Phone
8453575668
Supplemental Narrative

Financial Statement Notes

Part II, Line 9: Organization Reporting of conservation easements.

“Valley Cottage Library owns approximately 7 acres of land. The Town of Clarkstown has imposed a conservation easement on 3.1 acres of the property to preserve its natural state.”

Part III, Line 4: Description of organization'S collections and how it furthers its purpose.

“The library has holdings of art as part of the permanent collection including a Sculpture”

Raw XML AppendixShowing 400 of 485 raw XML fields

This appendix keeps the raw XML leaves available for debugging and edge-case review. The human report above is the primary experience.

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IRS990/Desc0Primary Library Service RolesProviding Current Topics and Titles making materials available in a wide range of current formats (including print, electronic media and audio visual) that will appeal to individual needs for cultural and social trends and the desire for recreational experiences. The Library also serves the needs of our community through a variety of non-traditional materials lending such as cake pans, lawn games and board games. Providing General Information meeting the needs of its customers for information and answers to questions on a broad array of topics related to work, school and personal life, including consumer information.Serving as a resource center for Lifelong Learning The Library provides opportunities for personal growth and development which includes various programs for youth and adults. Library staff engage in digital literacy training both formally and informally for all. Children ProgramsThe library provides programs for children from birth through fifth grade. Programs include: story times & literacy-based programs for babies, toddlers, kindergartners and elementary school children; book clubs, STEAM programs, early literacy programs, movies and performers for all ages.Teen ProgramsBook discussion, gaming programs, college preparation courses, and volunteer opportunities for teens. Adult programsThe library sponsors informative and entertaining talks, demonstrations, audio-visual presentations, workshops, crafts, concerts and other special event. Onsite programs such as the Cookbook Club and offsite programs such as Book and Pub allow staff to bring our community of users together over a shared experience of books and food.
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IRS990/Form990PartVIISectionAGrp/PersonNm7MARJORIE MCLOUGHLIN
IRS990/Form990PartVIISectionAGrp/PersonNm8Mary Fiore
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IRS990/MissionDesc0Valley Cottage Library a not-for-profit corporation chartered by the New York State Education Department in 1959. It is organized to serve the educational and cultural needs of the community of the Nyack School District. It is concerned with providing materials for literacy, education, and cultural purposes and serves as a community and neighborhood meeting place. The Library is chartered to serve the residents of Valley Cottage (population. 9,038 as of the 2020 US Census) and it also provides equal services to all Nyack Residents. For the year ended December 31, 2024, the Nyack School District provided approximately 91% of the Librarys funding primarily through tax assessments. Operating under a seven-member Board of Trustees, the Library participates in community-driven initiatives and enhancement efforts through developing partnerships within our service area for the benefit of all residents within our chartered area.
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IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt0Valley Cottage Library owns approximately 7 acres of land. The Town of Clarkstown has imposed a conservation easement on 3.1 acres of the property to preserve its natural state.
IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt1The library has holdings of art as part of the permanent collection including a Sculpture
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc0Part II, Line 9: Organization Reporting of conservation easements.
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc1Part III, Line 4: Description of organization's collections and how it furthers its purpose.
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IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0ELECTIONS OF MEMBERS AND THEIR RIGHTS BOARD OFFICERS ELECTED BY EXISTING BOARD MEMBERS
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1DECISIONS SUBJECT TO APPROVAL OF MEMBERS MAJORITY VOTE OF BOARD OF DIRECTORS AND/OR ASSOCIATION MEMBERS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2ORGANIZATION'S PROCESS TO REVIEW FORM 990 REVIEWED BY BOARD MEMBERS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3ENFORCEMENT OF CONFLICTS POLICY ALL NEW OFFICERS, DIRECTORS, & TRUSTEES ARE REQUIRED TO READ, AND SIGN THE LIBRARY CONFLICT OF INTEREST STATEMENT TO VERIFY COMPLIANCE. UPDATED COMPLIANCE ACKNOWLEDGEMENT SIGN OFF IS REQUIRED AT LEAST ANNUALLY.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4COMPENSATION PROCESS FOR TOP OFFICERS DIRECTOR COMPENSATION REQUIRES MAJORITY BOARD APPROVAL.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5COMPENSATION PROCESS FOR OFFICERS DIRECTOR COMPENSATION REQUIRES MAJORITY BOARD APPROVAL.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6GOVERNING DOCUMENTS DISCLOSURE EXPLANATION ALL DOCUMENTS ARE AVAILABLE TO PUBLIC UPON REQUEST.

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