INTERNATIONAL ASSOCIATION OF FIRE FIGHTERS LOCAL 407 (EIN 396052858) - 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

Principal Officer

MARK HAMMOND

Phone

2626135029

Tax Period

2025-01-01 to 2025-12-31

INTERNATIONAL ASSOCIATION OF FIRE FIGHTERS LOCAL 407 is a small nonprofit that reported $137K in total revenue in fiscal year 2025. Revenue surged 53% from the prior year, signaling strong growth momentum. The organization ran a surplus of $34K, a strong 25% operating margin.

Mission

TO PROTECT THE RIGHTS, PRIVILEGES AND WORKING CONDITIONS OF OUR MEMBERS THROUGH CONTRACT NEGOTIATIONS.

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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 (2025)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $107,237

Investment Income $28,912

Other Revenue $793

TOTAL REVENUE $136,942

Expense Breakdown

Grants Paid $0

Salaries & Benefits $24,149

Fundraising Expenses $0

Program Expenses $100,095

Other Expenses $78,545

TOTAL EXPENSES $102,694

Year-over-Year Comparison

	2025	2024	Change
Revenue	$136,942	$89,681	+0.5%
Expenses	$102,694	$86,652	+0.2%
Net Income	$34,248	$3,029	+10.3%

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

N/A

Employees

Volunteers

N/A

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

$14,897

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
ROB SPRADER	PRESIDENT	5.00	Officer	$5,258	$0	$5,258
ROGER EVERT	SECRETARY	2.00	Officer	$3,505	$0	$3,505
MARK HAMMOND	TREASURER	2.00	Officer	$3,505	$0	$3,505
DANIEL NOTTLING	VICE PRESIDE	2.00	Officer	$2,629	$0	$2,629

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	$136,942	$102,694	$249,493	$34,248
2024	$112,405	$94,797	$226,311	$17,608
2024	$89,681	$86,652	$228,078	$3,029
2023	$92,759	$101,080	$196,834	$-8,321
2022	$120,536	$91,266	$230,152	$29,270
2021	$99,300	$70,775	$214,834	$28,525
2020	$114,912	$87,851	$140,475	$27,061
2019	$95,387	$143,317	$140,277	$-47,930

INTERNATIONAL ASSOCIATION OF FIRE FIGHTERS LOCAL 407