SOUTH SALEM FIREMENS BENEVOLENT ASSOC (EIN 132895125) - 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

1932

Legal Domicile

Principal Officer

MICHAEL LYNCH

Phone

9147633706

Tax Period

2025-01-01 to 2025-12-31

SOUTH SALEM FIREMENS BENEVOLENT ASSOC, founded in 1932, is a micro nonprofit that reported $65K in total revenue in fiscal year 2025. Revenue grew 10% year-over-year, indicating healthy expansion. The organization ran a surplus of $20K, a strong 31% operating margin.

Mission

PROVIDE MEDICAL & DEATH BENEFITS FOR ACTIVE & RETIRED FIREFIGHTERS. MAKE CONTRIBUTIONS TO THE LOCAL COMMUNITY

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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 $65,116

Program Service Revenue $0

Investment Income $11

Other Revenue $0

TOTAL REVENUE $65,127

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $44,275

Other Expenses $778

TOTAL EXPENSES $45,053

Year-over-Year Comparison

	2025	2024	Change
Revenue	$65,127	$59,249	+0.1%
Expenses	$45,053	$19,353	+1.3%
Net Income	$20,074	$39,896	-0.5%

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
JOHN GURTLER	TRUSTEE	1.00	Director	$0	$0	$0
THOMAS BECK	TURSTEE	1.00	Director	$0	$0	$0
KEVIN ANDROS	TRUSTEE	1.00	Director	$0	$0	$0
CHRIS BINNS	PRESIDENT	1.00	Officer	$0	$0	$0
MATTHEW YORKE	VICE PRESIDENT	1.00	Officer	$0	$0	$0
ALBERT KOEHL	SECRETARY	1.00	Officer	$0	$0	$0
MICHAEL LYNCH	TREASURER	1.00	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
2025	$65,127	$45,053	$1,014,645	$20,074
2024	$59,249	$19,353	$911,096	$39,896
2023	$48,382	$1,648	$815,892	$46,734
2022	$34,831	$42,259	$706,312	$-7,428
2021	$73,682	$3,727	$759,531	$69,955
2020	$64,272	$18,771	$717,415	$45,501
2019	$83,300	$87,701	$696,442	$-4,401
2018	$70,148	$21,141	$653,903	$49,007

SOUTH SALEM FIREMENS BENEVOLENT ASSOC