National Council of Firefighter Credit Unions Inc (EIN 272387106) - 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

2010

Legal Domicile

Phone

9088129356

Tax Period

2024-01-01 to 2024-12-31

National Council of Firefighter Credit Unions Inc, founded in 2010, is a small nonprofit in the Public & Societal Benefit sector that reported $225K in total revenue in fiscal year 2024. Revenue decreased 14% compared to the prior year. Expenses of $263K exceeded revenue, resulting in a 17% operating deficit.

Mission

Annual educational Conference

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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 $24,725

Program Service Revenue $196,634

Investment Income $3,783

Other Revenue $0

TOTAL REVENUE $225,142

Expense Breakdown

Grants Paid $0

Salaries & Benefits $49,391

Fundraising Expenses $0

Program Expenses $164,436

Other Expenses $213,259

TOTAL EXPENSES $262,650

Year-over-Year Comparison

	2024	2023	Change
Revenue	$225,142	$261,636	-0.1%
Expenses	$262,650	$236,111	+0.1%
Net Income	$-37,508	$25,525	-2.5%

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

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

$44,808

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
David Lantrip	Chairman	2.00	Officer Director	$0	$0	$0
Brian Kurzel	1st Vice Chairman	2.00	Officer Director	$0	$0	$0
Bonnie Sensing	2nd Vice Chairman	2.00	Officer Director	$0	$0	$0
Andrew Doyle	Secretary	2.00	Officer Director	$0	$0	$0
Bonnie Sensing	Treasurer	2.00	Officer Director	$0	$0	$0
John Cowin	Director	2.00	Director	$0	$0	$0
Michael McCormick	Director	2.00	Director	$0	$0	$0
Michael Tobler	Director	2.00	Director	$0	$0	$0
Al Comeaux	Director	2.00	Director	$0	$0	$0
Grant Sheehan	President CEO	24.00	Key Emp	$44,808	$0	$44,808
Johnny Player	Associate Director	2.00	Director	$0	$0	$0
Bob Whitaker	Associate Director	2.00	Director	$0	$0	$0
Judy DeLucca	Director	2.00	Director	$0	$0	$0
Emerilda Zeqo	Associate Director	2.00	Director	$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	No data	No data	No data	No data
2024	$225,142	$262,650	$224,544	$-37,508
2023	$261,636	$236,111	$257,171	$25,525
2022	$242,753	$223,456	$261,715	$19,297

National Council of Firefighter Credit Unions Inc