LOVELAND SYMMES FIRE DEPARTMENT

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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

1989

Legal Domicile

Tax Period

2023-01-01 to 2023-12-31

LOVELAND SYMMES FIRE DEPARTMENT, founded in 1989, is a community nonprofit that reported $7.8M in total revenue in fiscal year 2023. Revenue grew 11% year-over-year, indicating healthy expansion.

Mission

TO PROVIDE EMERGENCY MEDICAL SERVICE AND FIRE PROTECTION TO THE CITY OF LOVELAND AND SYMMES TOWNSHIP

Program Service Accomplishments

Program 1

Expenses: $7,793,806

FIRE & LIFE SQUAD PROTECTION IS PROVIDED TO APPROXIMATELY 28,000 RESIDENTS OF THE CITY OF LOVELAND AND SYMMES TOWNSHIP. MAJORITY OF REVENUE IS RECEIVED FROM LIFE SQUAD, FIRE CONTRACTS, AND 911...

FIRE & LIFE SQUAD PROTECTION IS PROVIDED TO APPROXIMATELY 28,000 RESIDENTS OF THE CITY OF LOVELAND AND SYMMES TOWNSHIP. MAJORITY OF REVENUE IS RECEIVED FROM LIFE SQUAD, FIRE CONTRACTS, AND 911 COMMUNICATION.

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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 $511,034

Program Service Revenue $7,268,806

Investment Income $46,984

Other Revenue $8,265

TOTAL REVENUE $7,835,089

Expense Breakdown

Grants Paid $0

Salaries & Benefits $5,887,055

Fundraising Expenses $0

Program Expenses $7,793,806

Other Expenses $1,906,751

TOTAL EXPENSES $7,793,806

Year-over-Year Comparison

	2023	2022	Change
Revenue	$7,835,089	$7,081,274	+0.1%
Expenses	$7,793,806	$7,199,390	+0.1%
Net Income	$41,283	$-118,116	-1.3%

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

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
TERRY SCHILDMEYER	TRUSTEE	2.00	Director	$0	$0	$0
DAVID BEDNAR	TRUSTEE	2.00	Director	$0	$0	$0
DAVID KAPOR	TRUSTEE	2.00	Director	$0	$0	$0
JAMES HUNTER	TRUSTEE	2.00	Director	$0	$0	$0
WILLIAM T TURNER	VICE-PRESIDENT	2.00	Officer Director	$0	$0	$0
OTTO HUBER	PRESIDENT	2.00	Officer Director	$0	$0	$0
TERRI HUBER	TREASURER	2.00	Officer 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	No data	No data	No data	No data
2023	$7,835,089	$7,793,806	$1,022,602	$41,283
2022	$7,081,274	$7,199,390	$944,810	$-118,116
2021	$6,556,437	$6,598,148	$996,779	$-41,711
2020	$6,657,562	$6,289,444	$967,969	$368,118
2019	$6,164,535	$6,151,598	$601,345	$12,937
2018	$5,885,577	$5,759,934	$586,080	$125,643