RAMSEY FIREFIGHTERS RELIEF ASSOCIATION (EIN 411654031) - 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

1993

Legal Domicile

Principal Officer

Diana Lund

Phone

7634271410

Tax Period

2024-01-01 to 2024-12-31

RAMSEY FIREFIGHTERS RELIEF ASSOCIATION, founded in 1993, is a small nonprofit in the Public Safety sector that reported $396K in total revenue in fiscal year 2024. Revenue grew 14% year-over-year, indicating healthy expansion. The organization ran a surplus of $297K, a strong 75% operating margin.

Mission

Provide a retirement plan for the volunteer firefighters who are vested.

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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 $313,256

Program Service Revenue $0

Investment Income $82,266

Other Revenue $0

TOTAL REVENUE $395,522

Expense Breakdown

Grants Paid $0

Salaries & Benefits $4,000

Fundraising Expenses $0

Program Expenses $98,974

Other Expenses $61,267

TOTAL EXPENSES $98,974

Year-over-Year Comparison

	2024	2023	Change
Revenue	$395,522	$348,459	+0.1%
Expenses	$98,974	$167,514	-0.4%
Net Income	$296,548	$180,945	+0.6%

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

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

$4,000

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Role	Reportable Comp	Other Comp	Total
Greg Messler	Secretary	Officer	$1,500	$0	$1,500
Steven Randall	Treasurer	Officer	$1,500	$0	$1,500
Mark Hager	President	Officer	$1,000	$0	$1,000
Nicholas Kintigh	Vice President	Officer	$0	$0	$0
Roger Duax	Trustee	Officer	$0	$0	$0
Adam Gordon	Trustee	Officer	$0	$0	$0
Mark Kuzma	Ex-Officio	Officer	$0	$0	$0
Matt Kohner	Ex-Officio	Officer	$0	$0	$0
Diana Lund	Ex-Officio	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	$395,522	$98,974	$4,063,888	$296,548
2023	$348,459	$167,514	$3,224,581	$180,945
2022	$298,492	$1,872,277	$2,501,716	$-1,573,785
2021	$346,166	$292,948	$4,975,171	$53,218
2020	$293,609	$647,235	$4,142,489	$-353,626

RAMSEY FIREFIGHTERS RELIEF ASSOCIATION