Zumbro Falls Fire Department Relief Association (EIN 411323733) - 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

1955

Legal Domicile

Principal Officer

Matt Fick

Phone

5077532423

Tax Period

2023-01-01 to 2023-12-31

Zumbro Falls Fire Department Relief Association, founded in 1955, is a small nonprofit in the Public Safety sector that reported $143K in total revenue in fiscal year 2023. Revenue grew 17% year-over-year, indicating healthy expansion. The organization ran a surplus of $33K, a strong 23% operating margin.

Mission

To provide retirement benefits to volunteer firefighters.

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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 (2023)

Revenue Breakdown

Contributions & Grants $23,666

Program Service Revenue $0

Investment Income $14,659

Other Revenue $104,535

TOTAL REVENUE $142,860

Expense Breakdown

Grants Paid $102,643

Salaries & Benefits $500

Fundraising Expenses $0

Program Expenses $102,678

Other Expenses $6,726

TOTAL EXPENSES $109,869

Year-over-Year Comparison

	2023	2022	Change
Revenue	$142,860	$121,938	+0.2%
Expenses	$109,869	$182,440	-0.4%
Net Income	$32,991	$-60,502	-1.5%

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

$500

Total Directors

$500

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Troy Nibbe	President	1.00	Officer Director	$0	$0	$0
Alex Leonard	Vice President	1.00	Officer Director	$0	$0	$0
Isiah Klees	Secretary	1.00	Officer Director	$0	$0	$0
Matt Fick	Treasurer	2.00	Officer Director	$500	$0	$500
Tyler Blim	Trustee	1.00	Director	$0	$0	$0
Bob Benson	Trustee	1.00	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	No data	No data	No data	No data
2023	$142,860	$109,869	$561,700	$32,991
2022	$121,938	$182,440	$499,048	$-60,502
2021	$152,171	$131,188	$612,432	$20,983
2020	$371,250	$163,845	$570,787	$207,405
2019	$27,638	$3,642	$572,950	$23,996
2018	$38,604	$2,675	$448,741	$35,929

Zumbro Falls Fire Department Relief Association