SAG HARBOR VOLUNTEER EXEMPT FIREMEN BENEVOLENT ASSN INC (EIN 113012913) - 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

1981

Legal Domicile

Principal Officer

KEVIN J DUCHEMIN

Phone

5168520238

Tax Period

2023-01-01 to 2023-12-31

SAG HARBOR VOLUNTEER EXEMPT FIREMEN BENEVOLENT ASSN INC, founded in 1981, is a small nonprofit that reported $188K in total revenue in fiscal year 2023. Revenue decreased 7% compared to the prior year. Expenses of $164K left a modest 13% surplus.

Mission

TO ASSIST DISABLED AND/OR INDIGENT FIREMAN AND THEIR FAMILIES.

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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 $0

Program Service Revenue $153,272

Investment Income $34,889

Other Revenue $0

TOTAL REVENUE $188,161

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $164,099

Other Expenses $46,235

TOTAL EXPENSES $164,099

Year-over-Year Comparison

	2023	2022	Change
Revenue	$188,161	$202,973	-0.1%
Expenses	$164,099	$120,254	+0.4%
Net Income	$24,062	$82,719	-0.7%

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

N/A

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
KEVIN J DUCHEMIN	TREASURER	N/A	Officer	$0	$0	$0
DANIEL SKINNER	SECRETARY	N/A	Officer	$0	$0	$0
BRUCE STAFFORD	PRESIDENT	N/A	Officer	$0	$0	$0
JOHN STRAFFORD	VICE PRESIDE	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	No data	No data	No data	No data
2024	No data	No data	No data	No data
2023	$188,161	$164,099	$2,008,585	$24,062
2022	$202,973	$120,254	$1,984,523	$82,719
2021	$314,526	$100,992	$1,901,804	$213,534
2020	$148,708	$60,362	$1,688,270	$88,346
2019	$148,850	$65,252	$1,599,924	$83,598
2018	$147,226	$62,997	$1,516,326	$84,229

SAG HARBOR VOLUNTEER EXEMPT FIREMEN BENEVOLENT ASSN INC