ORLAND FIRE PROTECTION DISTRICT VEBA TRUST FUND (EIN 320198278) - 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

2008

Legal Domicile

Principal Officer

THOMAS PANZICA

Phone

7083490074

Tax Period

2024-01-01 to 2024-12-31

ORLAND FIRE PROTECTION DISTRICT VEBA TRUST FUND, founded in 2008, is a micro nonprofit in the Mutual Benefit sector that reported $16K in total revenue in fiscal year 2024. Revenue fell 94% from the prior year — a significant decline worth monitoring. Expenses of $761K exceeded revenue, resulting in a 4755% operating deficit.

Mission

TO PROVIDE HEALTH CARE BENEFITS TO ELIGIBLE RETIRED MEMBERS.

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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 $0

Program Service Revenue $0

Investment Income $13,216

Other Revenue $2,454

TOTAL REVENUE $15,670

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Other Expenses $4,494

TOTAL EXPENSES $760,788

Year-over-Year Comparison

	2024	2023	Change
Revenue	$15,670	$265,432	-0.9%
Expenses	$760,788	$1,931,076	-0.6%
Net Income	$-745,118	$-1,665,644	-0.6%

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
THOMAS PANZICA	PRESIDENT	0.25	Officer Director	$0	$0	$0
ERIC PETRAVICH	BOARD MEMBER	0.25	Director	$0	$0	$0
TRAVIS HERRIN	BOARD MEMBER	0.25	Director	$0	$0	$0
JAMES SCHULTZ	BOARD MEMBER	0.25	Director	$0	$0	$0
NICHOLAS V CINQUEPALMI	BOARD MEMBER	0.25	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
2024	$15,670	$760,788	$9,011	$-745,118
2023	$265,432	$1,931,076	$754,129	$-1,665,644
2022	$238,648	$247,937	$2,419,773	$-9,289
2021	$266,276	$233,488	$2,941,686	$32,788
2020	$235,758	$190,165	$2,575,709	$45,593
2019	$233,622	$162,332	$2,252,932	$71,290
2018	$221,952	$148,883	$1,785,858	$73,069

ORLAND FIRE PROTECTION DISTRICT VEBA TRUST FUND