POLISH AMERICAN FIRE COMPANY #4

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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

1915

Legal Domicile

Phone

5704629572

Tax Period

2024-01-01 to 2024-12-31

POLISH AMERICAN FIRE COMPANY #4, founded in 1915, is a micro nonprofit in the Public Safety sector that reported $83K in total revenue in fiscal year 2024. Revenue decreased 7% compared to the prior year. Net assets of $615K represent 89 months of operating reserves.

Mission

THE ORGANIZATION IS A FIRE AND RESCUE STATION SERVING THE NEEDS OF THE SURROUNDING COMMUNITIES

Program Service Accomplishments

Program 1

Expenses: $16,725

THE ORGANIZATION CONTINUED TO PROVIDE FOR THE FIRE AND RESCUE NEES OF THE SURROUDING COMMUNITIES. THEY PROVIDE THESE SERVICES AS THE NEEDS ARISE, SUCH AS RESPONDING TO FIRE CALLS OR OTHER EMERGENCY...

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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 $74,535

Program Service Revenue $0

Investment Income $8,340

Other Revenue $0

TOTAL REVENUE $82,875

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $16,725

Other Expenses $83,382

TOTAL EXPENSES $83,632

Year-over-Year Comparison

	2024	2023	Change
Revenue	$82,875	$89,149	-0.1%
Expenses	$83,632	$100,138	-0.2%
Net Income	$-757	$-10,989	-0.9%

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

125

Independent Members

125

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
JEFF CHERNESKY	PRESIDENT	10.00	Officer	$0	$0	$0
DAVID KAYES	SECRETARY	10.00	Officer	$0	$0	$0
JOSEPH KAYES JR	VICE PRESIDENT	10.00	Officer	$0	$0	$0
MICHAEL MICKO	TREASURER	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
2024	$82,875	$83,632	$625,354	$-757
2023	$89,149	$100,138	$626,111	$-10,989
2022	$64,564	$83,258	$637,100	$-18,694
2021	$105,505	$109,447	$655,794	$-3,942
2020	$46,965	$65,857	$659,736	$-18,892
2019	$87,680	$116,555	$678,628	$-28,875
2018	$92,999	$86,542	$707,503	$6,457