CUMBERLAND VALLEY VOLUNTEER FIREMENS ASSOCIATION (EIN 236268751) - 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

1950

Legal Domicile

Principal Officer

CAPTAIN JOSEPH BYNUM

Phone

8008626200

Tax Period

2024-09-01 to 2025-08-31

CUMBERLAND VALLEY VOLUNTEER FIREMENS ASSOCIATION, founded in 1950, is a small nonprofit in the Human Services sector that reported $532K in total revenue in fiscal year 2024. Revenue surged 26% from the prior year, signaling strong growth momentum. The organization ran a surplus of $122K, a strong 23% operating margin.

Mission

PREVENT FIRE, EDUCATION OF FIRE PERSONNEL.

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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 $516,707

Program Service Revenue $2,515

Investment Income $8,984

Other Revenue $3,920

TOTAL REVENUE $532,126

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $406,282

Other Expenses $409,695

TOTAL EXPENSES $409,695

Year-over-Year Comparison

	2024	2023	Change
Revenue	$532,126	$422,830	+0.3%
Expenses	$409,695	$308,564	+0.3%
Net Income	$122,431	$114,266	+0.1%

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
CHIEF JOHN GONZALEZ	PRESIDENT	5.00	Officer	$0	$0	$0
TODD LEIS	FIRST VICE P	5.00	Officer	$0	$0	$0
CHIEF TONYA HOOVER	SECOND VICE	5.00	Officer	$0	$0	$0
CAPTAIN JOSEPH BYNUM	TREASURER	5.00	Officer	$0	$0	$0
JIM WATSON	MEMBERSHIP S	5.00	Officer	$0	$0	$0
DEB LAUDENSLAGER	RECORDING SE	5.00	Officer	$0	$0	$0
SAMUEL MANN	CHAPLAIN	5.00	Officer	$0	$0	$0
JOHN F LONG JR	ASSISTANT CH	5.00	Officer	$0	$0	$0
CHIEF DAVID LEWIS	DIRECTOR	5.00	Officer	$0	$0	$0
ELISE ELDERKIN	ASSISTANT TR	5.00	Officer	$0	$0	$0
DEBORAH WATSON	ASSISTANT SE	5.00	Officer	$0	$0	$0
JERRY DANIELS	TREASURER EM	5.00	Officer	$0	$0	$0
CHIEF JOSEPH KROBOTH III	DIRECTOR	5.00	Officer	$0	$0	$0
JOSEPH CHORNOCK	DIRECTOR	5.00	Officer	$0	$0	$0
DONNA WELSH	DIRECTOR	5.00	Officer	$0	$0	$0
STEPHEN P AUSTIN	DIRECTOR	5.00	Officer	$0	$0	$0
JUSTIN GEARHART	DIRECTOR	5.00	Officer	$0	$0	$0
CHIEF ROBERT CUMBERLAND	DIRECTOR	5.00	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	$532,126	$409,695	$543,963	$122,431
2024	$422,830	$308,564	$421,532	$114,266
2023	$346,210	$356,833	$307,266	$-10,623
2022	$629,526	$577,814	$317,889	$51,712
2021	$551,516	$504,809	$291,177	$46,707
2020	$37,486	$10,326	$181,219	$27,160
2019	$29,923	$18,904	$154,059	$11,019
2018	$11,886	$19,061	$143,040	$-7,175

CUMBERLAND VALLEY VOLUNTEER FIREMENS ASSOCIATION