ROCKFORD FIREFIGHTER RELIEF ASSOCIATION (EIN 364167872) - 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

1997

Legal Domicile

Principal Officer

JAMES GRAHAM

Phone

8159974473

Tax Period

2024-01-01 to 2024-12-31

ROCKFORD FIREFIGHTER RELIEF ASSOCIATION, founded in 1997, is a small nonprofit that reported $161K in total revenue in fiscal year 2024. Revenue surged 64% from the prior year, signaling strong growth momentum. Expenses of $189K exceeded revenue, resulting in a 17% operating deficit.

Mission

TO PROVIDE HEALTH AND DEATH BENEFITS TO MEMBERS OF THIS ORGANIZATION.

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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 $3,730

Program Service Revenue $51,401

Investment Income $105,460

Other Revenue $500

TOTAL REVENUE $161,091

Expense Breakdown

Grants Paid $0

Salaries & Benefits $8,850

Fundraising Expenses $0

Other Expenses $26,106

TOTAL EXPENSES $188,725

Year-over-Year Comparison

	2024	2023	Change
Revenue	$161,091	$98,156	+0.6%
Expenses	$188,725	$184,854	+0.0%
Net Income	$-27,634	$-86,698	-0.7%

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

N/A

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

$2,550

Total Directors

$4,050

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
DENNY O'BRIEN	PRESIDENT	2.00	Officer Director	$900	$0	$900
DAN KEEHNEN	SECRETARY	2.00	Officer Director	$1,050	$0	$1,050
JAMES GRAHAM	TREASURER	2.00	Officer Director	$600	$0	$600
ALAN GRANITE	DIRECTOR	2.00	Director	$300	$0	$300
PHIL NEDVED OUTGOING	DIRECTOR	2.00	Director	$225	$0	$225
WILLIAM BEAMAN	DIRECTOR	2.00	Director	$300	$0	$300
STEVE RYDHOLM	DIRECTOR	2.00	Director	$300	$0	$300
ALEJANDRO VILLAFUERTE	DIRECTOR	2.00	Director	$300	$0	$300
KENNETH WORLEY INCOMING	DIRECTOR	2.00	Director	$75	$0	$75

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	$161,091	$188,725	$2,024,068	$-27,634
2023	$98,156	$184,854	$1,965,853	$-86,698
2022	$76,064	$158,934	$1,878,376	$-82,870
2021	$173,219	$161,785	$2,198,227	$11,434
2020	$100,104	$188,906	$2,014,842	$-88,802
2019	$77,007	$169,535	$1,994,694	$-92,528
2018	$135,583	$169,883	$1,804,896	$-34,300

ROCKFORD FIREFIGHTER RELIEF ASSOCIATION