BANDERA FIRE & RESCUE

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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

2002

Legal Domicile

Principal Officer

ELLEN CUMMINGS

Phone

8307963777

Tax Period

2024-01-01 to 2024-12-31

BANDERA FIRE & RESCUE, founded in 2002, is a micro nonprofit in the Public Safety sector that reported $80K in total revenue in fiscal year 2024. Revenue fell 33% from the prior year — a significant decline worth monitoring. Expenses of $110K exceeded revenue, resulting in a 38% operating deficit.

Mission

TO SERVE AND PROTECT RESIDENTS AND BUSINESS RECRUIT, EDUCATE, AND TRAIN NOT ONLY THE VOLUNTEER FIREFIGHTERS BUT ALSO THE COMMUNITY FOR SAFETY.

Program Service Accomplishments

Program 1

Expenses: $95,461 Revenue: $79,946

THE FUNDRAISING EVENTS IN 2024 HAVE HELPED TO OPEN CD'S AND A SAVINGS ACCOUNT SPECIFIED FOR PURCHASE OF PROPERTY AND A FIREHOUSE IN THE FUTURE.

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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 $69,244

Program Service Revenue $0

Investment Income $646

Other Revenue $10,056

TOTAL REVENUE $79,946

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $95,461

Other Expenses $110,453

TOTAL EXPENSES $110,453

Year-over-Year Comparison

	2024	2023	Change
Revenue	$79,946	$119,125	-0.3%
Expenses	$110,453	$43,033	+1.6%
Net Income	$-30,507	$76,092	-1.4%

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
BRAD CUMMINGS JR	FIRE CHIEF	20.00	Officer	$0	$0	$0
JOE ORTEGA	ASSISTANT CHIEF	15.00	Officer	$0	$0	$0
ELLEN CUMMINGS	PRESIDENT	10.00	Officer	$0	$0	$0
JODY MILLER	CAPTAIN	20.00	Officer	$0	$0	$0
CASEY VALENTINE	TREASURER	20.00	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	$79,946	$110,453	$1,004,125	$-30,507
2023	$119,125	$43,033	$892,261	$76,092
2022	$127,217	$67,930	$816,169	$59,287
2021	$75,998	$40,523	$786,725	$35,475
2020	$103,468	$50,826	$765,977	$52,642
2019	$91,032	$103,748	$733,975	$-12,716
2018	$180,640	$134,813	$686,757	$45,827