MARMORA 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

1947

Legal Domicile

Principal Officer

STEVE BECOTTE

Phone

6093903555

Tax Period

2025-01-01 to 2025-12-31

MARMORA VOLUNTEER FIRE COMPANY INC, founded in 1947, is a small nonprofit in the Public Safety sector that reported $295K in total revenue in fiscal year 2025. The organization ran a surplus of $45K, a strong 15% operating margin.

Mission

TO PROTECT AND SERVE RESIDENTS, BUSINESS OWNERS, AND VISITORS OF MARMORA,

Program Service Accomplishments

Program 1

RESPOND TO FIRES, ACCIDENTS AND VARIOUS OTHER CALLS IN A QUICK & EFFICIENT MANNER IN ORDER TO PROTECT THE PEOPLE & PROPERTY OF MARMORA, NJ. MVFC ALSO AIDS OTHER FIRE COMPANIES WHEN NEEDED. EXPENSES...

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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 $240,600

Program Service Revenue $4,836

Investment Income $10,443

Other Revenue $38,982

TOTAL REVENUE $294,861

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $238,214

Other Expenses $250,045

TOTAL EXPENSES $250,045

Year-over-Year Comparison

	2025	2024	Change
Revenue	$294,861	$274,763	+0.1%
Expenses	$250,045	$217,830	+0.1%
Net Income	$44,816	$56,933	-0.2%

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

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

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
JAY NEWMAN	FIRE CHIEF	10.00	Director	$0	$0	$0
STEVE BECOTTE	TREASURER	10.00	Officer	$0	$0	$0
RAY BLAKER	PRESIDENT	10.00	Officer	$0	$0	$0
DEVON MORRIS	SECRETARY	10.00	Officer	$0	$0	$0
MARK NEWMAN	VICE PRESIDE	10.00	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
2025	$294,861	$250,045	$1,545,569	$44,816
2024	$274,763	$217,830	$1,273,537	$56,933
2023	$310,875	$279,110	$1,354,940	$31,765
2022	$282,367	$222,914	$1,461,510	$59,453
2021	$252,839	$400,202	$1,540,390	$-147,363
2020	$253,658	$190,394	$1,662,733	$63,264
2019	$695,179	$469,906	$1,742,164	$225,273
2018	$424,607	$485,029	$1,654,031	$-60,422