HOWARD LAKE FIRE RELIEF ASSOCIATION (EIN 411661596) - 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

1943

Legal Domicile

Principal Officer

CRAIG LOEBERTMANN

Phone

3209193184

Tax Period

2023-01-01 to 2023-12-31

HOWARD LAKE FIRE RELIEF ASSOCIATION, founded in 1943, is a small nonprofit that reported $129K in total revenue in fiscal year 2023. Expenses of $170K exceeded revenue, resulting in a 32% operating deficit.

Mission

FIRE DEPARTMENT RELIEF ASSOCIATION

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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 $103,822

Program Service Revenue $0

Investment Income $16,469

Other Revenue $8,500

TOTAL REVENUE $128,791

Expense Breakdown

Grants Paid $0

Salaries & Benefits $2,025

Fundraising Expenses $0

Program Expenses $162,595

Other Expenses $17,275

TOTAL EXPENSES $170,400

Year-over-Year Comparison

	2023	2022	Change
Revenue	$128,791	$125,653	+0.0%
Expenses	$170,400	$8,600	+18.8%
Net Income	$-41,609	$117,053	-1.4%

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

$1,900

Total Directors

$1,900

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
CRAIG LOEBERTMANN	PRESIDENT	0.05	Officer Director	$0	$0	$0
SETH BRAVINDER	VICE PRESIDE	0.05	Officer Director	$0	$0	$0
MARK STUEVEN	SECRETARY	0.46	Officer Director	$1,900	$0	$1,900
BRIAN KITTOCK	TREASURER	0.05	Officer Director	$0	$0	$0
DAVE PETERSON	TRUSTEE	0.05	Director	$0	$0	$0
NICOLE KITTOCK	TRUSTEE	0.05	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	$128,791	$170,400	$893,899	$-41,609
2022	$125,653	$8,600	$857,832	$117,053
2021	$63,489	$115,849	$852,364	$-52,360
2020	$77,436	$97,311	$909,767	$-19,875
2019	$77,226	$20,619	$818,830	$56,607
2018	$74,116	$41,346	$678,521	$32,770

HOWARD LAKE FIRE RELIEF ASSOCIATION