WEST MIDDLESEX VOLUNTEER FIRE DEPARTMENT (EIN 204527966) - 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

1943

Legal Domicile

Principal Officer

ADAM GARRETT

Phone

7245282615

Tax Period

2025-01-01 to 2025-12-31

WEST MIDDLESEX VOLUNTEER FIRE DEPARTMENT, founded in 1943, is a micro nonprofit in the Human Services sector that reported $60K in total revenue in fiscal year 2025. Revenue fell 72% from the prior year — a significant decline worth monitoring. Expenses of $70K exceeded revenue, resulting in a 17% operating deficit.

Mission

PROVIDE FIRE PROTECTION SERVICES

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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 $25,349

Program Service Revenue $8,118

Investment Income $12,706

Other Revenue $13,541

TOTAL REVENUE $59,714

Expense Breakdown

Grants Paid $0

Salaries & Benefits $1,306

Fundraising Expenses $0

Program Expenses $67,145

Other Expenses $68,811

TOTAL EXPENSES $70,117

Year-over-Year Comparison

	2025	2024	Change
Revenue	$59,714	$213,879	-0.7%
Expenses	$70,117	$63,356	+0.1%
Net Income	$-10,403	$150,523	-1.1%

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

$4,000

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
JARED CLEMENTE	ASSISTANT CHIEF	10.00	Director	$0	$0	$2,000
RICHARD GARRETT	FIRE CHIEF	10.00	Director	$0	$0	$2,000
ADAM GARRETT	PRESIDENT	7.00	Officer Director	$0	$0	$0
TAMMY GARRETT	SECRETARY/TREASURER	10.00	Officer Director	$0	$0	$0
RAY LUCICH	VICE PRESIDENT	7.00	Officer Director	$0	$0	$0
SAMANTHA GARRETT	TRUSTEE	3.00	Director	$0	$0	$0
EMMA HUSSEY	TRUSTEE	3.00	Director	$0	$0	$0
BILL NOVAK	TRUSTEE	3.00	Director	$0	$0	$0
PAT DEJULIA	TRUSTEE	3.00	Director	$0	$0	$0
ALAN HARRISON	TRAINING OFFICER	3.00	Director	$0	$0	$0
THERESA WALKER	TRUSTEE	3.00	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
2025	$59,714	$70,117	$381,930	$-10,403
2024	$213,879	$63,356	$392,333	$150,523
2023	$76,112	$56,885	$241,810	$19,227
2022	$36,841	$37,762	$222,583	$-921
2021	$55,639	$34,700	$605,894	$20,939
2020	$75,926	$38,372	$584,955	$37,554

WEST MIDDLESEX VOLUNTEER FIRE DEPARTMENT