MOUNTAIN LAKE FIRE COMPANY (EIN 222490371) - 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

1949

Legal Domicile

Principal Officer

GERRY THORRY

Phone

9084754400

Tax Period

2025-01-01 to 2025-12-31

MOUNTAIN LAKE FIRE COMPANY, founded in 1949, is a small nonprofit that reported $277K in total revenue in fiscal year 2025. Revenue decreased 19% compared to the prior year. The organization ran a surplus of $110K, a strong 40% operating margin.

Mission

PROVIDING FIRE PROTECTION TO LIBERTY TOWNSHIP AND PARTS OF WHITE TOWNSHIP, WARREN COUNTY, NEW JERSEY.

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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 $219,128

Program Service Revenue $0

Investment Income $423

Other Revenue $57,280

TOTAL REVENUE $276,831

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $127,926

Other Expenses $167,004

TOTAL EXPENSES $167,004

Year-over-Year Comparison

	2025	2024	Change
Revenue	$276,831	$340,175	-0.2%
Expenses	$167,004	$514,549	-0.7%
Net Income	$109,827	$-174,374	-1.6%

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

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
ANDY BERNARD	Trustee	10.00	Officer Director	$0	$0	$0
DUSTIN NEVINS	Trustee	10.00	Officer Director	$0	$0	$0
GARY WOLFGANG	Secretary	10.00	Officer Director	$0	$0	$0
GERRY THORRY	TREASURER	10.00	Officer 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	$276,831	$167,004	$1,002,518	$109,827
2024	$340,175	$514,549	$892,691	$-174,374
2023	$207,221	$316,914	$1,067,065	$-109,693
2022	$255,877	$170,761	$1,176,758	$85,116
2021	$401,491	$201,234	$1,092,642	$200,257
2020	$60,531	$61,797	$892,385	$-1,266
2019	$142,382	$138,863	$893,651	$3,519
2018	$124,872	$157,944	$890,132	$-33,072

MOUNTAIN LAKE FIRE COMPANY