Ringgold Area Volunteer Fire Co

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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

1962

Legal Domicile

Principal Officer

Richard Neese

Phone

8143655603

Tax Period

2025-01-01 to 2025-12-31

Ringgold Area Volunteer Fire Co, founded in 1962, is a small nonprofit in the Public Safety sector that reported $148K in total revenue in fiscal year 2025. Revenue fell 46% from the prior year — a significant decline worth monitoring. Net assets of $775K represent 63 months of operating reserves.

Mission

THE PRIMARY PROGRAM SERVICE IS PREVENTING, FIGHTING AND EXTINGUISHING FIRES AND PROTECTING PROPERTY FROM LOSS BY FIRE IN THE VICINITY OF RINGGOLD, PA AND THE SURROUNDING AREAS. THE ORGANIZATION ALSO PROVIDES IMMEDIATE RESPONSE SERVICE.

Program Service Accomplishments

Program 1

Expenses: $132,346

The primary service is preventing, fighting and extinguishing fires as well as providing immediate response service for the local community and surrounding areas of Ringgold.

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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 $93,691

Program Service Revenue $2,090

Investment Income $2,437

Other Revenue $49,474

TOTAL REVENUE $147,692

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $132,346

Other Expenses $154,650

TOTAL EXPENSES $154,650

Year-over-Year Comparison

	2025	2024	Change
Revenue	$147,692	$275,748	-0.5%
Expenses	$154,650	$173,542	-0.1%
Net Income	$-6,958	$102,206	-1.1%

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

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	Role	Reportable Comp	Other Comp	Total
Greg Snyder	Vice President	Officer	$0	$0	$0
Brian Stanford	President	Officer	$0	$0	$0
Denny Caylor	Secretary	Officer	$0	$0	$0
Richard Neese	Treasurer	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	$147,692	$154,650	$802,666	$-6,958
2024	No data	No data	No data	No data
2023	$231,876	$74,459	$728,539	$157,417
2022	$136,113	$40,871	$522,296	$95,242
2021	$128,761	$52,274	$427,061	$76,487
2020	$126,481	$65,339	$350,574	$61,142
2019	$109,279	$101,026	$319,679	$8,253
2018	$92,218	$89,922	$359,738	$2,296