Middlebush Volunteer Fire Department Inc (EIN 223189440) - 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

1916

Legal Domicile

Principal Officer

Bob Cuddy

Phone

7328732399

Tax Period

2025-01-01 to 2025-12-31

Middlebush Volunteer Fire Department Inc, founded in 1916, is a small nonprofit in the Public Safety sector that reported $273K in total revenue in fiscal year 2025. Net assets of $650K represent 29 months of operating reserves.

Mission

To protect life and property from fire and the resulting damage.

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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 $250,907

Program Service Revenue $0

Investment Income $6,663

Other Revenue $15,282

TOTAL REVENUE $272,852

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $284,674

Other Expenses $288,797

TOTAL EXPENSES $288,797

Year-over-Year Comparison

	2025	2024	Change
Revenue	$272,852	$255,431	+0.1%
Expenses	$288,797	$189,416	+0.5%
Net Income	$-15,945	$66,015	-1.2%

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

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	Role	Reportable Comp	Other Comp	Total
Bob Cuddy	Treasurer	Officer	$0	$0	$0
Alex Paff	Deputy Chief	Officer	$0	$0	$0
Tim Belloff	Captain	Officer	$0	$0	$0
Scott Szymborski	1st Lieutenant	Officer	$0	$0	$0
Dennis Dziadyk	2nd Lieutenant	Officer	$0	$0	$0
Christian Bozinta	3rd Lieutenant	Officer	$0	$0	$0
Dawn Cuddy	President	Officer	$0	$0	$0
Tim Belloff	Vice President	Officer	$0	$0	$0
Sandra Reier	Secretary	Officer	$0	$0	$0
Cristian Tingire	Financial Secretary	Officer	$0	$0	$0
Bob Cuddy	Treasurer	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	$272,852	$288,797	$661,481	$-15,945
2024	$255,432	$189,416	$668,926	$66,016
2023	$161,545	$168,360	$602,541	$-6,815
2022	$220,492	$204,971	$593,424	$15,521
2021	$178,165	$137,693	$579,450	$40,472
2020	$141,988	$118,248	$526,025	$23,740
2019	$232,094	$244,823	$477,392	$-12,729
2018	$169,269	$163,860	$503,537	$5,409

Middlebush Volunteer Fire Department Inc