James E Nichols Tr Ua Library Assn Marine Midland Bank W T O C
501(c)(92)
Only null% goes to programs Strong reserves Growing revenue
James E Nichols Tr Ua Library Assn Marine Midland Bank W T O C is a 501(c)(92) organization based in Norwich, New York, with $6,676 in FY2024 revenue. CharityIndex grades it C+.
C/o Nbt Bank Na 52 S Broad St, Norwich, NY, 13815 EIN 13-6133722
Revenue (FY2024)
$6,676
▲ 57.9% vs prior year
Expenses (FY2024)
$5,832
Net assets
$54K
Employees
—
CharityIndex rating
One independent A+ to F grade from four published criteria, each scored separately from IRS filings and combined by weight.
C+
—Program efficiency40% of the ratingNo expense breakdown in filings
Measures how much of every dollar spent actually reaches programs, plus what it costs to raise $100 of donations. The worse of the two measures sets the letter (85%+ to programs is an A; under $15 to raise $100 is an A), averaged over the three most recent filings. Not scored for James E Nichols Tr Ua Library Assn Marine Midland Bank W T O C— this filing type doesn't report it, and the rating simply skips it (never counts it against the organization). See the exact thresholds →
B+Financial health25% of the rating111 mo reserves · +13% margin
Measures whether the organization is built to last: how many months its reserves would cover expenses (3+ months earns an A-range score, but hoarding 5+ years of budget is capped) and whether it runs a surplus or a deficit. For James E Nichols Tr Ua Library Assn Marine Midland Bank W T O C: 111 mo reserves · +13% margin earns a B+ on this criterion. See the exact thresholds →
—Governance25% of the ratingNot reported in this filing type
Checks how the organization is run, from its own Form 990: an independent board majority, a board of five or more, conflict-of-interest, whistleblower and document-retention policies, and independently audited financials. The share of disclosed checks that pass sets the letter. Not scored for James E Nichols Tr Ua Library Assn Marine Midland Bank W T O C— this filing type doesn't report it, and the rating simply skips it (never counts it against the organization). See the exact thresholds →
DTransparency10% of the rating1 of 5 disclosure signals
Counts five disclosure signals: a recent filing, a mission statement, program descriptions, a listed website, and the full expense breakdown. More disclosure, better letter. For James E Nichols Tr Ua Library Assn Marine Midland Bank W T O C: 1 of 5 disclosure signals earns a D on this criterion. See the exact thresholds →
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Contact & location
Financial trends
Revenue grew from $4,774 (FY2013) to $6,676 (FY2024) across 11 reported years.
Financial snapshot
Financial health & position (FY2024)
Liabilities $0Net assets $54K
Operating margin
12.6%
Revenue exceeded expenses in the latest fiscal year.
Total assets
$54K
Total liabilities
$0
Net assets
$54K
Financials by year
| Fiscal year | Revenue | Expenses | Net assets | Total assets | Form |
|---|---|---|---|---|---|
| 2024 | $6,676▲57.9% | $5,832▼11.1% | $53,918▲1.6% | $53,918▲1.6% | 990PF |
| 2023 | $4,229▲37.7% | $6,557▲30.0% | $53,082▼4.2% | $53,082▼4.2% | 990PF |
| 2022 | $3,071▼16.3% | $5,042▼18.1% | $55,406▼3.4% | $55,406▼3.4% | 990PF |
| 2021 | $3,671▼42.9% | $6,156▲4.9% | $57,378▼4.2% | $57,378▼4.2% | 990PF |
| 2020 | $6,426▲64.3% | $5,871▼3.3% | $59,863▲0.9% | $59,863▲0.9% | 990PF |
| 2019 | $3,912▲11.8% | $6,073▼26.2% | $59,308▼3.5% | $59,308▼3.5% | 990PF |
| 2018 | $3,498▼52.8% | $8,230▲12.4% | $61,470▼7.1% | $61,470▼7.1% | 990PF |
| 2017 | $7,409▲138% | $7,320▼9.1% | $66,202▲0.1% | $66,202▲0.1% | 990PF |
| 2016 | $3,115▲2.6% | $8,055▲10.6% | $66,111▼12.0% | $66,111▼12.0% | 990PF |
| 2014 | $3,035▼36.4% | $7,282▲35.8% | $75,139▼5.3% | $75,139▼5.3% | 990PF |
| 2013 | $4,774 | $5,364▼4.2% | $79,386▼0.7% | $79,386▼0.7% | 990PF |
| 2012 | — | $5,601▲6.1% | $79,976▼3.2% | $79,976▼3.2% | 990PF |
| 2011 | — | $5,279▲5.3% | $82,633▼0.5% | $82,633▼0.5% | 990PF |
| 2010 | — | $5,012 | $83,055 | $83,055 | 990PF |
Original Form 990 PDFs (the Form column) are served by ProPublica Nonprofit Explorer, as filed with the IRS. Create a free account to download the CSV report.
Frequently asked questions
- Is James E Nichols Tr Ua Library Assn Marine Midland Bank W T O C a legitimate nonprofit?
- Yes. James E Nichols Tr Ua Library Assn Marine Midland Bank W T O C is a 501(c)(92) organization registered with the U.S. Internal Revenue Service under EIN 13-6133722, based in Norwich, New York.
- What is James E Nichols Tr Ua Library Assn Marine Midland Bank W T O C's EIN?
- James E Nichols Tr Ua Library Assn Marine Midland Bank W T O C's Employer Identification Number (EIN) is 13-6133722.
- How much revenue does James E Nichols Tr Ua Library Assn Marine Midland Bank W T O C report?
- James E Nichols Tr Ua Library Assn Marine Midland Bank W T O C reported $6,676 in total revenue on its fiscal year 2024 IRS Form 990 filing.
- What financial grade does James E Nichols Tr Ua Library Assn Marine Midland Bank W T O C have?
- CharityIndex grades James E Nichols Tr Ua Library Assn Marine Midland Bank W T O C C+, based on financial health (reserves and operating margin).
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Data for James E Nichols Tr Ua Library Assn Marine Midland Bank W T O C (EIN 13-6133722) comes from the IRS Business Master File and e-filed Form 990 returns, via CharityIndex. Figures reflect what the organization reported to the IRS for each fiscal year.