The United Fire Company of Montrose Pennsylvania (EIN 232999369) - 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

1939

Legal Domicile

Phone

5702782879

Tax Period

2024-08-01 to 2025-07-31

The United Fire Company of Montrose Pennsylvania, founded in 1939, is a small nonprofit in the Public Safety sector that reported $533K in total revenue in fiscal year 2024. Revenue surged 78% from the prior year, signaling strong growth momentum. The organization ran a surplus of $160K, a strong 30% operating margin.

Mission

Volunteer firefighting

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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 $284,550

Program Service Revenue $10,937

Investment Income $188,830

Other Revenue $48,253

TOTAL REVENUE $532,570

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $1,396

Program Expenses $341,538

Other Expenses $370,683

TOTAL EXPENSES $372,079

Year-over-Year Comparison

	2024	2023	Change
Revenue	$532,570	$299,237	+0.8%
Expenses	$372,079	$369,869	+0.0%
Net Income	$160,491	$-70,632	-3.3%

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	Hours/Week	Role	Reportable Comp	Other Comp	Total
Charles Daly	Trustee	10.00	Director	$0	$0	$0
Larry Coy	Trustee	8.00	Director	$0	$0	$0
Allen Coy	Trustee	8.00	Director	$0	$0	$0
Ted Cady	Trustee	8.00	Director	$0	$0	$0
Bill Zalewski	Trustee	10.00	Director	$0	$0	$0
Ben Curley	President	10.00	Officer	$0	$0	$0
Michael Rosin	Treasurer	10.00	Officer	$0	$0	$0
Lucas Schwarztrauber	Vice President	10.00	Officer	$0	$0	$0
Melinda Daly	Asst. Secretary	10.00	Officer	$0	$0	$0
Lindsay Daly	Secretary	8.00	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	$532,570	$372,079	$4,222,944	$160,491
2024	$299,237	$369,869	$4,161,399	$-70,632
2023	$526,535	$271,636	$3,534,647	$254,899
2022	$440,924	$272,863	$3,335,872	$168,061
2021	$376,111	$252,244	$3,244,859	$123,867
2020	$433,260	$522,105	$2,709,307	$-88,845

The United Fire Company of Montrose Pennsylvania