INTERNATIONAL ASSOCIATION OF FIREFIGHTERS LOCAL 48 (EIN 237035246) - 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

1936

Legal Domicile

Principal Officer

TIM KLOEPFER

Phone

5132413541

Tax Period

2023-01-01 to 2023-12-31

INTERNATIONAL ASSOCIATION OF FIREFIGHTERS LOCAL 48, founded in 1936, is a small nonprofit that reported $845K in total revenue in fiscal year 2023. Revenue grew 9% year-over-year, indicating healthy expansion. Expenses of $818K left a modest 3% surplus.

Mission

THIS IS A LABOR ORGANIZATION DEDICATED TO PROMOTING & PROTECTING THE INTERESTS OF PROFESSIONAL FIREFIGHTERS WORKING IN CINCINNATI, OHIO.

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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 (2023)

Revenue Breakdown

Contributions & Grants $35,464

Program Service Revenue $783,837

Investment Income $10,041

Other Revenue $15,863

TOTAL REVENUE $845,205

Expense Breakdown

Grants Paid $11,103

Salaries & Benefits $140,768

Fundraising Expenses $0

Other Expenses $596,898

TOTAL EXPENSES $818,069

Year-over-Year Comparison

	2023	2022	Change
Revenue	$845,205	$776,537	+0.1%
Expenses	$818,069	$757,779	+0.1%
Net Income	$27,136	$18,758	+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

N/A

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

$96,658

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
MATT R ALTER	PRESIDENT	40.0	Officer	$24,660	$0	$24,660
TIMOTHY KLOEPFER	TREASURER	30.0	Officer	$20,323	$0	$20,323
DAVID JOHNSON	1ST V.P.	20.0	Officer	$17,225	$0	$17,225
THOMAS C DONOVAN	2ND V.P.	20.0	Officer	$17,225	$0	$17,225
JOSEPH ELLIOTT	SECRETARY	20.0	Officer	$17,225	$0	$17,225

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	No data	No data	No data	No data
2023	$845,205	$818,069	$1,308,089	$27,136
2022	$776,537	$757,779	$1,285,241	$18,758
2021	$723,104	$687,226	$1,262,571	$35,878
2020	$718,189	$596,480	$1,225,629	$121,709

INTERNATIONAL ASSOCIATION OF FIREFIGHTERS LOCAL 48