ROCKY POINT VOLUNTEER FIREMEN'S BENEVOLENT ASSOCIATION INC (EIN 237378582) - 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

1967

Legal Domicile

Principal Officer

DEBRA HANDEL

Phone

5169849071

Tax Period

2025-07-01 to 2025-12-31

ROCKY POINT VOLUNTEER FIREMEN'S BENEVOLENT ASSOCIATION INC, founded in 1967, is a small nonprofit in the Public Safety sector that reported $142K in total revenue in fiscal year 2025. Revenue fell 67% from the prior year — a significant decline worth monitoring. The organization ran a surplus of $68K, a strong 47% operating margin.

Mission

TO PROVIDE AID AND ASSITANCE TO DISABLED AND INDIGENT FIREMEN WHO ARE MEMBERS OF THE VOLUNTEER FIRE SERVICE IN THE LOCAL COMMUNITY.

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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 (2025)

Revenue Breakdown

Contributions & Grants $138,637

Program Service Revenue $0

Investment Income $3,831

Other Revenue $0

TOTAL REVENUE $142,468

Expense Breakdown

Grants Paid $0

Salaries & Benefits $12,388

Fundraising Expenses $0

Other Expenses $62,495

TOTAL EXPENSES $74,883

Year-over-Year Comparison

	2025	2024	Change
Revenue	$142,468	$433,427	-0.7%
Expenses	$74,883	$169,321	-0.6%
Net Income	$67,585	$264,106	-0.7%

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

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
DEGE RUSSELL	TRUSTEE	N/A	Director	$0	$0	$0
NEAL FREUND	PRESIDENT	N/A	Officer	$0	$0	$0
DEBRA HANDEL	TREASURER	N/A	Officer	$0	$0	$0
THOMAS HOLMES	VICE PRESIDE	N/A	Officer	$0	$0	$0
JANET STAUFER	SECRETARY	N/A	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	$142,468	$74,883	$3,908,352	$67,585
2025	$433,427	$169,321	$3,879,053	$264,106
2024	$220,000	$136,927	$3,323,064	$83,073
2023	$172,187	$77,424	$2,924,653	$94,763
2022	$205,206	$76,211	$2,566,372	$128,995
2021	$138,599	$37,923	$3,014,405	$100,676
2020	$197,127	$45,129	$2,438,781	$151,998
2019	$186,402	$52,722	$2,225,683	$133,680

ROCKY POINT VOLUNTEER FIREMEN'S BENEVOLENT ASSOCIATION INC