Stratford Firemans Benevolent Assoc

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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

1953

Legal Domicile

Principal Officer

John Roberts

Phone

2033854070

Tax Period

2025-01-01 to 2025-12-31

Stratford Firemans Benevolent Assoc, founded in 1953, is a micro nonprofit that reported $89K in total revenue in fiscal year 2025. Revenue surged 59% from the prior year, signaling strong growth momentum. The organization ran a surplus of $43K, a strong 48% operating margin.

Mission

Provide medical and health benefits for retired firefighters.

Program Service Accomplishments

Program 1

Expenses: $4,214

Medical expenses paid for firefighters of the Town of Stratford which were not covered by any existing insurance coverage.

Program 2

Expenses: $18,944

Medical and health insurance premiums to retired firefighters of the Town of Stratford.

Program 3

Expenses: $15,000

Death benefits paid to survivors of firefighters of the Town of Stratford passed away in the current year.

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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 (2025)

Revenue Breakdown

Contributions & Grants $25,000

Program Service Revenue $34,130

Investment Income $29,373

Other Revenue $0

TOTAL REVENUE $88,503

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $38,158

Other Expenses $7,752

TOTAL EXPENSES $45,910

Year-over-Year Comparison

	2025	2024	Change
Revenue	$88,503	$55,601	+0.6%
Expenses	$45,910	$34,474	+0.3%
Net Income	$42,593	$21,127	+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
Ryan Litwin	Director	N/A	Director	$0	$0	$0
Kevin Lantowsky	Director	N/A	Director	$0	$0	$0
Tricia Wetmore	Director	N/A	Director	$0	$0	$0
James Hubbell	President	N/A	Officer	$0	$0	$0
Jeremy Smith	Vice President	N/A	Officer	$0	$0	$0
John Roberts	Treasurer	N/A	Officer	$0	$0	$0
Steve Alesevich	Secretary	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	$88,503	$45,910	$662,770	$42,593
2024	$55,601	$34,474	$572,331	$21,127
2023	$47,373	$32,114	$522,152	$15,259
2022	$47,259	$33,230	$459,963	$14,029
2021	$57,197	$27,600	$546,561	$29,597
2020	$44,362	$34,307	$489,091	$10,055
2019	$31,651	$47,564	$427,932	$-15,913