Middle Road Volunteer Fire Department (EIN 251284536) - 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

Phone

4124866365

Tax Period

2024-02-01 to 2025-01-31

Middle Road Volunteer Fire Department, founded in 1950, is a small nonprofit that reported $206K in total revenue in fiscal year 2024. Revenue fell 27% from the prior year — a significant decline worth monitoring. Expenses of $320K exceeded revenue, resulting in a 56% operating deficit.

Mission

Volunteer firefighting and rescue services.

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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 $154,879

Program Service Revenue $2,000

Investment Income $18,211

Other Revenue $30,414

TOTAL REVENUE $205,504

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $1,869

Program Expenses $306,377

Other Expenses $318,380

TOTAL EXPENSES $320,249

Year-over-Year Comparison

	2024	2023	Change
Revenue	$205,504	$280,980	-0.3%
Expenses	$320,249	$321,497	0.0%
Net Income	$-114,745	$-40,517	+1.8%

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
Michael Klier	Trustee	5.00	Director	$0	$0	$0
Harry J Gumto	Trustee	5.00	Director	$0	$0	$0
John Hamilton	President	8.00	Officer	$0	$0	$0
Kevin Kerin	Vice President	8.00	Officer	$0	$0	$0
Keith Rex	Secretary	8.00	Officer	$0	$0	$0
Paul Penezic	Treasurer	8.00	Officer	$0	$0	$0
Luke Twerdock	Financial Sec.	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	$205,504	$320,249	$2,655,409	$-114,745
2024	$280,980	$321,497	$2,744,877	$-40,517
2023	$330,800	$243,067	$2,605,947	$87,733
2022	$172,844	$232,382	$2,544,798	$-59,538
2021	$160,052	$54,559	$2,759,988	$105,493

Middle Road Volunteer Fire Department