UNITED FIRE COMPANY NO 1 (EIN 113328066) - 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

2015

Legal Domicile

Principal Officer

PETER ZWERLEIN

Phone

6312522891

Tax Period

2023-01-01 to 2023-12-31

UNITED FIRE COMPANY NO 1, founded in 2015, is a small nonprofit in the Public Safety sector that reported $221K in total revenue in fiscal year 2023. Revenue decreased 8% compared to the prior year. Net assets of $841K represent 46 months of operating reserves.

Mission

THE ORGANIZATION PROVIDES SUPPORT TO INDIVIDUALS AND COMMUNITIES THAT ARE IMPACTED BY FIRE, MEDICAL EMERGENCIES, OR BY DISASTERS, WHETHER CAUSED BY NATURE OR INDIVIDUALS IN THE FORM OF FIRE FIGHTER AND EMERGENCY SERVICE PROVIDER SERVICES TO THE RESIDENTS OF THE CUTCHOGUE FIRE DISTRICT AND OTHER SUFFOLK COUNTY NEW YORK COMMUNITIES AS NEEDED, AND TO PROMOTE HARMONY AND FELLOWSHIP AMONG THE MEMBERS OF THE CUTCHOGUE FIRE DEPARTMENT AND TO COMFORT AND ASSIST NEEDY MEMBERS OF THE ASSOCIATION.

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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 $158,800

Program Service Revenue $0

Investment Income $1,699

Other Revenue $60,358

TOTAL REVENUE $220,857

Expense Breakdown

Grants Paid $31,030

Salaries & Benefits $1,500

Fundraising Expenses $0

Program Expenses $189,201

Other Expenses $150,186

TOTAL EXPENSES $217,716

Year-over-Year Comparison

	2023	2022	Change
Revenue	$220,857	$240,549	-0.1%
Expenses	$217,716	$197,682	+0.1%
Net Income	$3,141	$42,867	-0.9%

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

100

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

$1,500

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
THOMAS CYBULSKI	RECORDING SE	3.00	Officer	$1,500	$0	$1,500
ARTHUR BREWER	TRUSTEE	3.00	Director	$0	$0	$0
ANDRE CYBULSKI	TRUSTEE	3.00	Director	$0	$0	$0
STEVE HARNED	TRUSTEE	N/A	Director	$0	$0	$0
JOSEPH HINTON	CAPTAIN	6.00	Officer Director	$0	$0	$0
WILL VOEGEL	FINANCIAL SE	2.00	Officer Director	$0	$0	$0
PETER ZWERLEIN	TREASURER	6.00	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
2024	No data	No data	No data	No data
2023	$220,857	$217,716	$841,378	$3,141
2022	$240,549	$197,682	$816,908	$42,867
2021	$186,802	$140,550	$809,587	$46,252

UNITED FIRE COMPANY NO 1