LOWER ST CROIX VALLEY FIREFIGHTERS (EIN 411391786) - 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

Tax Period

2023-01-01 to 2023-12-31

LOWER ST CROIX VALLEY FIREFIGHTERS, founded in 1962, is a small nonprofit in the Mutual Benefit sector that reported $145K in total revenue in fiscal year 2023. Revenue decreased 19% compared to the prior year. Expenses of $213K exceeded revenue, resulting in a 47% operating deficit.

Mission

PROVIDE RETIREMENT RELIEF AND OTHER BENEFITS TO MEMBERS AND THEIR DEPENDENTS.

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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 $85,245

Program Service Revenue $0

Investment Income $59,658

Other Revenue $0

TOTAL REVENUE $144,903

Expense Breakdown

Grants Paid $0

Salaries & Benefits $3,730

Fundraising Expenses $2,859

Program Expenses $197,225

Other Expenses $38,872

TOTAL EXPENSES $213,115

Year-over-Year Comparison

	2023	2022	Change
Revenue	$144,903	$178,384	-0.2%
Expenses	$213,115	$128,924	+0.7%
Net Income	$-68,212	$49,460	-2.4%

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
JAMES STANLEY	EX OFFICIO FIRE CHIFF	2.00	Director	$0	$0	$0
SIMON WIRTH	TRUSTEE	0.00	Director	$0	$0	$0
BETH OFELT NELSON	CITY OFFICIALS	2.00	Director	$0	$0	$0
TIMOTHY HATTEN	CITY OFFICIALS	2.00	Director	$0	$0	$0
KEVIN MALECEK	TRUSTEE	2.00	Director	$0	$0	$0
RALPH PISCITELLO	VICE PRESIDENT	2.00	Director	$0	$0	$0
KEVIN WALL	PRESIDENT	2.00	Director	$0	$0	$0
KEVIN JOHNSON	TREASURER	2.00	Director	$0	$0	$0
MIKE CRUZ	SECRETARY	2.00	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	$144,903	$213,115	$2,204,351	$-68,212
2022	$178,384	$128,924	$2,121,852	$49,460
2021	$225,937	$156,504	$2,471,486	$69,433
2020	$165,436	$58,898	$2,251,458	$106,538
2019	$277,292	$46,960	$1,957,947	$230,332
2018	$195,115	$44,895	$1,600,090	$150,220

LOWER ST CROIX VALLEY FIREFIGHTERS