NORTHFIELD FIREMENS RELIEF ASSOCIATION (EIN 210745530) - 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

1928

Legal Domicile

Principal Officer

KEVIN MOREY

Phone

6096413463

Tax Period

2024-01-01 to 2024-12-31

NORTHFIELD FIREMENS RELIEF ASSOCIATION, founded in 1928, is a micro nonprofit that reported $17K in total revenue in fiscal year 2024. Revenue decreased 19% compared to the prior year. The organization ran a surplus of $11K, a strong 65% operating margin.

Mission

TO PROVIDE HEALTH CARE BENEFITS FOR MEMBERS IN NEED

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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 $0

Program Service Revenue $0

Investment Income $2,395

Other Revenue $14,394

TOTAL REVENUE $16,789

Expense Breakdown

Grants Paid $0

Salaries & Benefits $3,925

Fundraising Expenses $0

Program Expenses $5,881

Other Expenses $1,956

TOTAL EXPENSES $5,881

Year-over-Year Comparison

	2024	2023	Change
Revenue	$16,789	$20,610	-0.2%
Expenses	$5,881	$24,815	-0.8%
Net Income	$10,908	$-4,205	-3.6%

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

$3,575

Total Directors

$350

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
KEVIN MOREY	Treasurer	2.00	Officer	$1,125	$0	$1,125
EDWARD HACKETT	President	2.00	Officer	$1,000	$0	$1,000
CINDY BADGER	Secretary	2.00	Officer	$1,000	$0	$1,000
SCOTT GOODMAN	Vice President	2.00	Officer	$325	$0	$325
JOHN SULLIVAN	Trustee	2.00	Director	$125	$0	$125
KIRK KERKLIN	President	0.00	Officer	$125	$0	$125
BRUCE CUMMINGS	Trustee	2.00	Director	$100	$0	$100
DONALD MOREY	Trustee	2.00	Director	$75	$0	$75
ERIC SHENKUS	Trustee	2.00	Director	$50	$0	$50
ERLAND CHAU	Trustee	0.00	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	$16,789	$5,881	$275,617	$10,908
2023	$20,610	$24,815	$264,709	$-4,205
2022	$14,444	$23,825	$268,914	$-9,381
2021	$15,277	$20,963	$278,295	$-5,686
2020	$17,508	$19,662	$283,981	$-2,154
2019	$15,986	$21,071	$286,135	$-5,085

NORTHFIELD FIREMENS RELIEF ASSOCIATION