UNION FIRE ASSOCIATION OF LOWER MERION (EIN 231171173) - 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

ROB CAROVILLANO

Phone

6106649112

Tax Period

2024-01-01 to 2024-12-31

UNION FIRE ASSOCIATION OF LOWER MERION, founded in 1903, is a small nonprofit in the Public Safety sector that reported $584K in total revenue in fiscal year 2024. Expenses of $544K left a modest 7% surplus.

Mission

FIRE FIGHTING

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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 $533,863

Program Service Revenue $0

Investment Income $0

Other Revenue $50,108

TOTAL REVENUE $583,971

Expense Breakdown

Grants Paid $0

Salaries & Benefits $294,994

Fundraising Expenses $29,865

Program Expenses $477,542

Other Expenses $176,867

TOTAL EXPENSES $544,425

Year-over-Year Comparison

	2024	2023	Change
Revenue	$583,971	$556,744	+0.0%
Expenses	$544,425	$654,892	-0.2%
Net Income	$39,546	$-98,148	-1.4%

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

N/A

Employees

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

$5,364

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
MIKE LIEBOWITZ	PRESIDENT	2.00	Officer Director	$0	$0	$0
LORI SALKIN	VICE PRESIDENT	2.00	Officer Director	$0	$0	$0
SCOTT FRIEDMAN	DIRECTOR	1.00	Director	$1,946	$0	$1,946
HARRY JARIN	SECRETARY	2.00	Officer Director	$0	$0	$0
LEONARD BERNSTEIN	SOLICITOR	2.00	Officer Director	$0	$0	$0
WILLIAM MAXWELL	DIRECTOR	1.00	Director	$0	$0	$0
ABRAHAM VEGH	TREASURER	4.00	Officer Director	$0	$0	$0
DAVID MAGERMAN	DIRECTOR	1.00	Director	$0	$0	$0
KEVIN MURPHY	DIRECTOR	1.00	Director	$0	$0	$0
ED DVIR	DIRECTOR	1.00	Director	$0	$0	$0
ROB CAROVILLANO	DIRECTOR	1.00	Director	$1,826	$0	$1,826
SETH KANNER	DIRECTOR	1.00	Director	$0	$0	$0
LUCAS FRAIMAN	DIRECTOR	1.00	Director	$1,592	$0	$1,592
AARON EPSTEIN	DIRECTOR	1.00	Director	$0	$0	$0
MITCHELL APPLESON	DIRECTOR	1.00	Director	$0	$0	$0
GILAD GEVARYAHU	DIRECTOR	1.00	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	$583,971	$544,425	$212,256	$39,546
2023	$556,744	$654,892	$119,026	$-98,148
2022	$485,320	$690,895	$197,598	$-205,575
2021	$598,524	$641,639	$395,284	$-43,115
2020	$472,025	$583,175	$364,741	$-111,150
2019	$417,430	$588,925	$480,249	$-171,495
2018	$422,741	$672,258	$650,454	$-249,517

UNION FIRE ASSOCIATION OF LOWER MERION