MELVILLE VOLUNTEER AND EXEMPT FIREMENS BENEVOLENT ASSOCIATION (EIN 112580501) - 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

1968

Legal Domicile

Principal Officer

GEORGE FRYER PRESIDENT

Phone

6314232635

Tax Period

2025-01-01 to 2025-12-31

MELVILLE VOLUNTEER AND EXEMPT FIREMENS BENEVOLENT ASSOCIATION, founded in 1968, is a community nonprofit that reported $1.5M in total revenue in fiscal year 2025. Revenue grew 16% year-over-year, indicating healthy expansion. The organization ran a surplus of $1.1M, a strong 76% operating margin.

Mission

To promote the welfare of the volunteer fire service within the Melville Fire District by providing relief aid & assistance to members & their families who are indigent ill injured disabled or have passed away.

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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 $29,300

Program Service Revenue $429,014

Investment Income $999,548

Other Revenue $0

TOTAL REVENUE $1,457,862

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $273,845

Other Expenses $78,239

TOTAL EXPENSES $352,084

Year-over-Year Comparison

	2025	2024	Change
Revenue	$1,457,862	$1,259,260	+0.2%
Expenses	$352,084	$387,370	-0.1%
Net Income	$1,105,778	$871,890	+0.3%

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
GEORGE FRYER	PRESIDENT	2.00	Officer Director	$0	$0	$0
SALVATORE T SILVESTRI JR	VICE PRESIDENT TREASURER	12.00	Officer Director	$0	$0	$0
JOSEPH SPARACO	SECRETARY	4.00	Officer Director	$0	$0	$0
JAMES HARRISON	TRUSTEE	4.00	Director	$0	$0	$0
ALFRED SILVESTRI SR	TRUSTEE	2.00	Director	$0	$0	$0
STEVEN SILVESTRI	TRUSTEE	2.00	Director	$0	$0	$0
ROBERT BOYLE JR	TRUSTEE	2.00	Director	$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	$1,457,862	$352,084	$7,767,297	$1,105,778
2024	$1,259,260	$387,370	$6,661,519	$871,890
2023	$1,090,176	$211,373	$5,789,629	$878,803
2022	$-41,454	$202,138	$4,910,826	$-243,592
2021	$954,406	$183,301	$5,154,418	$771,105
2020	$572,091	$272,945	$4,383,313	$299,146

MELVILLE VOLUNTEER AND EXEMPT FIREMENS BENEVOLENT ASSOCIATION