RIDGEFIELD VOLUNTEER FIRE DEPT

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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

Legal Domicile

Principal Officer

FERNANDO RIVADENEIRA

Phone

2034312730

Tax Period

2024-02-01 to 2025-01-31

RIDGEFIELD VOLUNTEER FIRE DEPT is a small nonprofit that reported $292K in total revenue in fiscal year 2024. Revenue surged 31% from the prior year, signaling strong growth momentum. Net assets of $3.5M represent 144 months of operating reserves.

Mission

SUPPLEMENT AND SUPPORT PROFESSIONAL FIRE FIGHTERS AND EMERGENCY AMBULANCE SERVICES IN RIDGEFIELD, CT

Program Service Accomplishments

Program 1

Expenses: $169,007

CONTRIBUTIONS FROM THE PUBLIC AND AN ANNUAL FUNDRAISER PROVIDE FUNDS TO PURCHASE AND MAINTAIN EQUIPMENT, VEHICLES, TRAINING AND SUPPLIES FOR THE VOLUNTEER FIRE DEPARTMENT.

Program 2

Expenses: $111,402

THE ORGANIZATION ADMINISTERS A LENGTH OF SERVICE AWARD PROGRAM WHEREBY MEMBERS OF THE VOLUNTEER FIRE DEPARTMENT MAY RECEIVE PAYMENTS FOR THEIR LENGTH OF SERVICE IN THE DEPARTMENT. THE ORGANIZATION...

THE ORGANIZATION ADMINISTERS A LENGTH OF SERVICE AWARD PROGRAM WHEREBY MEMBERS OF THE VOLUNTEER FIRE DEPARTMENT MAY RECEIVE PAYMENTS FOR THEIR LENGTH OF SERVICE IN THE DEPARTMENT. THE ORGANIZATION ALSO PROVIDES A DEATH BENEFIT TO A DECEASED MEMBER'S SURVIVING SPOUSE OR OTHER FAMILY MEMBERS.

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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 $117,062

Program Service Revenue $0

Investment Income $148,572

Other Revenue $26,672

TOTAL REVENUE $292,306

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $3,474

Program Expenses $280,409

Other Expenses $180,490

TOTAL EXPENSES $291,892

Year-over-Year Comparison

	2024	2023	Change
Revenue	$292,306	$223,231	+0.3%
Expenses	$291,892	$297,905	0.0%
Net Income	$414	$-74,674	-1.0%

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

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

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
STEVEN BATTIPAGLIA	LIEUTENANT	N/A	Officer	$0	$0	$0
RYAN CIARCIA	VICE PRESIDE	N/A	Officer	$0	$0	$0
CRAIG DIBBLE	CAPTAIN	N/A	Officer	$0	$0	$0
MICHAEL GABBIANELLI	ASSISTANT CH	N/A	Officer	$0	$0	$0
MIKE KAZLAUSKAS	RECORDING SE	N/A	Officer	$0	$0	$0
MICHAEL MCMANUS	LIEUTENANT	N/A	Officer	$0	$0	$0
RON NAPOLI	CAPTAIN	N/A	Officer	$0	$0	$0
NICHOLAS PAMBIANCHI	TREASURER	N/A	Officer	$0	$0	$0
TIMOTHY PAMBIANCHI	CHIEF	N/A	Officer	$0	$0	$0
FERNANDO RIVADENEIRA	PRESIDENT	N/A	Officer	$0	$0	$0
ANTHONY VEIGA	FINANCIAL SE	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
2025	$292,306	$291,892	$3,514,396	$414
2024	$223,231	$297,905	$3,175,368	$-74,674
2023	$193,183	$322,124	$2,978,040	$-128,941
2022	$194,945	$164,537	$3,330,002	$30,408
2021	$242,796	$238,741	$3,017,442	$4,055
2020	$239,340	$145,865	$2,779,861	$93,475
2019	$221,970	$152,166	$2,469,880	$69,804