ARMOR VOLUNTEER FIRE COMPANY INC

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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

1944

Legal Domicile

Principal Officer

JOSEPH SAJDAK

Phone

7166499821

Tax Period

2024-01-01 to 2024-12-31

ARMOR VOLUNTEER FIRE COMPANY INC, founded in 1944, is a small nonprofit that reported $588K in total revenue in fiscal year 2024. Revenue grew 8% year-over-year, indicating healthy expansion. The organization ran a surplus of $110K, a strong 19% operating margin.

Mission

DELIVERY OF FIRE AND EMERGENCY SERVICES FOR THE AREA OF HAMBURG, NY

Program Service Accomplishments

Program 1

Expenses: $0 Revenue: $0

Prevent & extinguish fires to protect life an property. To assist the duly constituted authorities in a time of disaster and promote fraternalism among its members. The Organization provides its...

Prevent & extinguish fires to protect life an property. To assist the duly constituted authorities in a time of disaster and promote fraternalism among its members. The Organization provides its volunteer services to the residents of Hamburg, NY. The Organization has approximately 60 volunteer members.

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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 (2024)

Revenue Breakdown

Contributions & Grants $474,262

Program Service Revenue $0

Investment Income $7,406

Other Revenue $106,530

TOTAL REVENUE $588,198

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $0

Other Expenses $478,351

TOTAL EXPENSES $478,351

Year-over-Year Comparison

	2024	2023	Change
Revenue	$588,198	$543,280	+0.1%
Expenses	$478,351	$497,043	0.0%
Net Income	$109,847	$46,237	+1.4%

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

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
PAUL ZEMLA	PRESIDENT	10	Officer Director	$0	$0	$0
AMY BRODFUEHRER	VICE PRESIDENT	10	Officer Director	$0	$0	$0
JOSEPH SAJDAK	TREASURER	10	Officer Director	$0	$0	$0
PATRICK MURPHY	CHIEF	10	Officer	$0	$0	$0
JESSE SCHMID	1ST ASST CHIEF	10	Officer	$0	$0	$0
TONY BIENAS	2ND ASST CHIEF	10	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
2024	$588,198	$478,351	$2,245,338	$109,847
2023	$543,280	$497,043	$2,212,866	$46,237
2022	$687,166	$438,998	$2,395,027	$248,168
2021	$420,279	$413,116	$2,037,499	$7,163