SOUTHERN WISCONSIN AND NORTHERN ILLINOIS FIRE/RESCUE ASSOCIATION DEATH BENEFIT PL (EIN 396062692) - 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

1962

Legal Domicile

Principal Officer

STEVE FRY

Phone

6082359865

Tax Period

2025-01-01 to 2025-12-31

SOUTHERN WISCONSIN AND NORTHERN ILLINOIS FIRE/RESCUE ASSOCIATION DEATH BENEFIT PL, founded in 1962, is a small nonprofit that reported $232K in total revenue in fiscal year 2025. Revenue surged 61% from the prior year, signaling strong growth momentum. The organization ran a surplus of $127K, a strong 55% operating margin.

Mission

TO PROVIDE BENEFITS TO A MEMBER'S BENEFICIARY(IES) IN THE EVENT OF DEATH FROM ANY CAUSE WHATSOEVER, EITHER IN THE LINE OF DUTY OR OTHERWISE.

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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 $96,795

Investment Income $135,245

Other Revenue $20

TOTAL REVENUE $232,060

Expense Breakdown

Grants Paid $0

Salaries & Benefits $11,027

Fundraising Expenses $0

Other Expenses $23,443

TOTAL EXPENSES $104,870

Year-over-Year Comparison

	2025	2024	Change
Revenue	$232,060	$144,282	+0.6%
Expenses	$104,870	$120,068	-0.1%
Net Income	$127,190	$24,214	+4.3%

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

$8,800

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
STEVE FRY	PRESIDENT	2.00	Officer Director	$0	$0	$0
WAYNE MOYER	VICE PRESIDENT	2.00	Officer Director	$0	$0	$0
GARY REUTER	DIRECTOR	1.00	Director	$0	$0	$0
DUSTY RHOADES	DIRECTOR	1.00	Director	$0	$0	$0
JOSH KAMMERUDE	DIRECTOR	1.00	Director	$0	$0	$0
JOSEPH GASTEL	SECRETARY-TREASURER	5.00	Officer	$8,800	$0	$8,800

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	$232,060	$104,870	$1,286,106	$127,190
2024	No data	No data	No data	No data
2023	$129,787	$149,000	$1,112,215	$-19,213
2022	$81,442	$105,521	$1,051,923	$-24,079
2021	$108,861	$174,681	$1,239,570	$-65,820
2020	$169,143	$154,397	$1,303,003	$14,746
2019	$93,642	$110,141	$1,313,744	$-16,499
2018	$95,069	$186,488	$1,261,625	$-91,419

SOUTHERN WISCONSIN AND NORTHERN ILLINOIS FIRE/RESCUE ASSOCIATION DEATH BENEFIT PL