VOLUNTEER AND EXEMPT FIREMENS BENEVOLENT ASSN (EIN 133803765) - 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

1954

Legal Domicile

Phone

8452791360

Tax Period

2025-01-01 to 2025-12-31

VOLUNTEER AND EXEMPT FIREMENS BENEVOLENT ASSN, founded in 1954, is a small nonprofit in the Mutual Benefit sector that reported $305K in total revenue in fiscal year 2025. Revenue decreased 6% compared to the prior year. The organization ran a surplus of $161K, a strong 53% operating margin.

Mission

MEDICAL AND DEATH BENEFITS FOR ACTIVE AND RETIRED FIREFIGHTERS.

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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 $96,052

Program Service Revenue $0

Investment Income $209,186

Other Revenue $0

TOTAL REVENUE $305,238

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $64,022

Other Expenses $80,532

TOTAL EXPENSES $144,554

Year-over-Year Comparison

	2025	2024	Change
Revenue	$305,238	$326,261	-0.1%
Expenses	$144,554	$165,717	-0.1%
Net Income	$160,684	$160,544	+0.0%

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	Role	Reportable Comp	Other Comp	Total
JOHN MARSHALL III	DIRECTOR	Director	$0	$0	$0
HERBERT STEINHAUSER	DIRECTOR	Director	$0	$0	$0
JOHN BONDI	DIRECTOR	Director	$0	$0	$0
THOMAS COMITO	DIRECTOR	Director	$0	$0	$0
PAUL FELICE	RECORDING SECRETARY	Officer	$0	$0	$0
ROBERT DAGOSTINO	TREASURER	Officer	$0	$0	$0
DANIEL HOCHSTEIN	PRESIDENT	Officer	$0	$0	$0
GEORGE RUBIN Jr	VICE PRESIDENT	Officer	$0	$0	$0
HOWARD G KENSING JR	FINANCIAL SECRETARY	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	$305,238	$144,554	$3,425,049	$160,684
2024	$326,261	$165,717	$3,155,473	$160,544
2023	$219,136	$159,388	$2,866,341	$59,748
2022	$115,190	$136,441	$2,571,677	$-21,251
2021	$502,345	$139,698	$3,043,086	$362,647
2020	$195,581	$144,464	$2,827,159	$51,117
2019	$212,607	$143,295	$2,466,569	$69,312
2018	$246,517	$114,930	$2,120,860	$131,587

VOLUNTEER AND EXEMPT FIREMENS BENEVOLENT ASSN