BRYN MAWR FIRE COMPANY (EIN 230441465) - 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

1903

Legal Domicile

Principal Officer

HERB ADAMS

Phone

6105257702

Tax Period

2024-01-01 to 2024-12-31

BRYN MAWR FIRE COMPANY, founded in 1903, is a small nonprofit in the Public Safety sector that reported $834K in total revenue in fiscal year 2024. The organization ran a surplus of $147K, a strong 18% operating margin.

Mission

VOLUNTEER FIRE COMPANY PROVIDING EMERGENCY FIRE & RESCUE SERVICES TO SECTIONS OF LOWER MERION AND RADNOR TOWNSHIPS

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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 $713,805

Program Service Revenue $0

Investment Income $151,671

Other Revenue $-31,036

TOTAL REVENUE $834,440

Expense Breakdown

Grants Paid $0

Salaries & Benefits $336,231

Fundraising Expenses $12,915

Program Expenses $654,957

Other Expenses $257,150

TOTAL EXPENSES $687,269

Year-over-Year Comparison

	2024	2023	Change
Revenue	$834,440	$811,249	+0.0%
Expenses	$687,269	$544,544	+0.3%
Net Income	$147,171	$266,705	-0.4%

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

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

$2,400

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
CHARLES McGARVEYPRESIDENT	216 FARROWHAM ROAD HAVERTOWN PA 19083	5.00	Officer	$0	$0	$0
DANIEL HEMCHER VICE PRESIDENT	318 WILLIAMS RD, ROSEMONT PA 19010	3.00	Officer	$0	$0	$0
LORE STOKES-POWERS SECRETARY	2119 COUNTY LINE RD VILLANOVA PA 19085	4.00	Officer	$2,400	$0	$2,400
HERB ADAMS TREASURER	105 LANDOVER RD BRYN MAWR PA 19010	6.00	Officer	$0	$0	$0
DANIEL KINCADE FIRE CHIEF	529 COVINGTON ROAD, HAVERTOWN, PA 19083	20.00	Officer	$0	$0	$0
ROBERT BARTON DIRECTOR	714 OLD LANCASTER AVE, BRYN MAWR, PA 19010	3.00	Director	$0	$0	$0
DANIEL J CUFF DIRECTOR	11 HAWTHORNE LANE, ROSEMONT, PA 19010	5.00	Director	$0	$0	$0
RICHARD A CUFF DIRECTOR	7 CUSHMAN ROAD, ROSEMONT, PA 19010	4.00	Director	$0	$0	$0
JOHN DECKER DIRECTOR	138 MONTROSE AVENUE #39, BRYN MAWR, PA 19010	3.00	Director	$0	$0	$0
SEAN MURTAUGH	613 DAYTON ROAD, BRYN MAWR PA 19010	3.00	Director	$0	$0	$0
MCCLOED GWYNETTE DIRECTOR	4 LFLEUR, DEVON, PA 19333	5.00	Director	$0	$0	$0
WILLIAM KARAVITES	244 LEE CIR, BRYN MAWR PA 19010	3.00	Director	$0	$0	$0
JUSTIN MCNABB DIRECTOR	839 MORTON ROAD BRYN MAWR PA 19010	3.00	Director	$0	$0	$0
ANTHONY MENNA DIRECTOR	8907 RISING SUN AVENUE, PHILADELPHIA, PA 19115	3.00	Director	$0	$0	$0
JOSEPH P SPYCH DIRECTOR	218 BECKER ROAD, NORTH WALES, PA 19454	3.00	Director	$0	$0	$0
DAVID RANDAZZO	839 MORTON ROAD,BRYN MAWR PA 19010	5.00	Director	$0	$0	$0
MICHAEL MARATEA	2027 VALLEY HILL RD, MALVERN PA 19355	3.00	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	$834,440	$687,269	$5,140,192	$147,171
2023	$811,249	$544,544	$4,813,621	$266,705
2022	$705,175	$531,570	$4,546,919	$173,605
2021	$785,997	$547,145	$4,386,167	$238,852
2020	$879,455	$617,116	$4,147,315	$262,339
2019	$611,329	$559,097	$3,876,476	$52,232
2018	$468,099	$557,707	$3,790,095	$-89,608

BRYN MAWR FIRE COMPANY