Billerica Firefighters Local 1495 (EIN 046143973) - 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

2000

Legal Domicile

Principal Officer

Frank Rao

Phone

9786714526

Tax Period

2023-01-01 to 2023-12-31

Billerica Firefighters Local 1495, founded in 2000, is a small nonprofit in the Employment sector that reported $118K in total revenue in fiscal year 2023. Revenue grew 15% year-over-year, indicating healthy expansion. Expenses of $145K exceeded revenue, resulting in a 22% operating deficit.

Mission

Public Safety for fire prevention

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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 (2023)

Revenue Breakdown

Contributions & Grants $97,394

Program Service Revenue $0

Investment Income $148

Other Revenue $20,780

TOTAL REVENUE $118,322

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Other Expenses $144,531

TOTAL EXPENSES $144,531

Year-over-Year Comparison

	2023	2022	Change
Revenue	$118,322	$102,992	+0.1%
Expenses	$144,531	$99,198	+0.5%
Net Income	$-26,209	$3,794	-7.9%

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

N/A

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
Joseph Brangwynne	President	10.00	Officer	$0	$0	$0
John Conway	Vice President	8.00	Officer	$0	$0	$0
Sean O'Neill	Treasurer	8.00	Officer	$0	$0	$0
Phil Tammaro	Trustee	2.00	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	No data	No data	No data	No data
2023	$118,322	$144,531	$33,451	$-26,209
2022	$102,992	$99,198	$59,660	$3,794
2021	$96,793	$86,680	$55,853	$10,113
2020	$86,430	$80,932	$45,740	$5,498
2019	$71,314	$87,528	$40,242	$-16,214
2018	$76,674	$78,372	$56,456	$-1,698

Billerica Firefighters Local 1495