ST CLOUD VOLUNTEER FIREMEN'S ASSOCIATION (EIN 391367155) - 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

1950

Legal Domicile

Principal Officer

TIM BERENZ

Phone

9209994792

Tax Period

2024-01-01 to 2024-12-31

ST CLOUD VOLUNTEER FIREMEN'S ASSOCIATION, founded in 1950, is a small nonprofit in the Public Safety sector that reported $243K in total revenue in fiscal year 2024. Revenue decreased 14% compared to the prior year. The organization ran a surplus of $91K, a strong 38% operating margin.

Mission

THE ORGANIZATION PROVIDES VOLUNTEER FIREFIGHTING AND FIRE PROTECTION SERVICES TO CONTRACTING COMMUNITIES AND BUSINESSES IN THE SURROUNDING AREA.

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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 $91,371

Program Service Revenue $84,285

Investment Income $22,443

Other Revenue $44,905

TOTAL REVENUE $243,004

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $151,604

Other Expenses $151,604

TOTAL EXPENSES $151,604

Year-over-Year Comparison

	2024	2023	Change
Revenue	$243,004	$283,710	-0.1%
Expenses	$151,604	$180,341	-0.2%
Net Income	$91,400	$103,369	-0.1%

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

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
JOE BERENZ	DIRECTOR	5.00	Director	$0	$0	$0
NEAL BIRSCHBACH	DIRECTOR	5.00	Director	$0	$0	$0
JASON SIPPEL	DIRECTOR	5.00	Director	$0	$0	$0
TIM BERENZ	TREASURER	10.00	Officer	$0	$0	$0
SCOTT BINK	CHIEF, VP	10.00	Officer	$0	$0	$0
MARK FRITZ	PRESIDENT	10.00	Officer	$0	$0	$0
ROBERT SIPPEL	SECRETARY	10.00	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
2024	$243,004	$151,604	$994,954	$91,400
2023	$283,710	$180,341	$903,554	$103,369
2022	$182,775	$121,822	$774,070	$60,953
2021	$125,779	$83,274	$713,117	$42,505
2020	$104,678	$82,716	$670,612	$21,962
2019	$178,366	$113,906	$648,650	$64,460
2018	$110,035	$130,192	$584,190	$-20,157

ST CLOUD VOLUNTEER FIREMEN'S ASSOCIATION