SARANAC LAKE VOLUNTEER FIRE DEPARTMENT (EIN 222530482) - 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

1900

Legal Domicile

Principal Officer

BRENDAN KEOUGH

Phone

5188912333

Tax Period

2024-04-01 to 2025-03-31

SARANAC LAKE VOLUNTEER FIRE DEPARTMENT, founded in 1900, is a small nonprofit that reported $210K in total revenue in fiscal year 2024. Revenue fell 29% from the prior year — a significant decline worth monitoring. Expenses of $183K left a modest 13% surplus.

Mission

DEPARTMENT PROVIDES FIRE FIGHTING FIRE PREVENTION AND RESCUE SERVICES TO THE SARANAC LAKE, NY AREA

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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 $88,553

Program Service Revenue $121,394

Investment Income $5

Other Revenue $0

TOTAL REVENUE $209,952

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $183,242

Other Expenses $183,242

TOTAL EXPENSES $183,242

Year-over-Year Comparison

	2024	2023	Change
Revenue	$209,952	$296,167	-0.3%
Expenses	$183,242	$267,160	-0.3%
Net Income	$26,710	$29,007	-0.1%

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

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
MICHAEL KNAPP	CHIEF	10.00	Officer	$0	$0	$0
JAMES STINSON	1ST ASSIST CHIEF	10.00	Director	$0	$0	$0
ANDREA BOON	2ND ASSIST CHIEF	10.00	Director	$0	$0	$0
ANDREW WRIGHT	FIRST CAPTAIN	10.00	Director	$0	$0	$0
DARYL BRIER	1ST LT	10.00	Director	$0	$0	$0
CASSITTY ROSE	2ND LT	10.00	Director	$0	$0	$0
ROBERT GIRARD	WARDEN	10.00	Director	$0	$0	$0
DOMINIC FONTANA	SECRETARY	10.00	Officer	$0	$0	$0
MICHAEL KNAPP	TREASURER	10.00	Officer	$0	$0	$0
JUSTIN FLETCHER	2ND CAPTAIN	10.00	Director	$0	$0	$0
TIM DONALDSON	WARDEN	10.00	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	$209,952	$183,242	$423,579	$26,710
2024	$296,167	$267,160	$480,659	$29,007
2023	$209,844	$226,871	$496,647	$-17,027
2022	$196,745	$207,322	$532,856	$-10,577
2021	$180,352	$185,366	$407,606	$-5,014
2020	$222,198	$259,768	$527,203	$-37,570
2019	$213,287	$215,966	$596,758	$-2,679
2018	$202,625	$196,994	$608,513	$5,631

SARANAC LAKE VOLUNTEER FIRE DEPARTMENT