GUNFLINT TRAIL VOLUNTEER FIRE DEPARTMENT RELIEF ASSOCIATION (EIN 411966820) - 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

1999

Legal Domicile

Principal Officer

ANDREW MCDONNELL

Phone

2183882221

Tax Period

2024-01-01 to 2024-12-31

GUNFLINT TRAIL VOLUNTEER FIRE DEPARTMENT RELIEF ASSOCIATION, founded in 1999, is a micro nonprofit in the Mutual Benefit sector that reported $84K in total revenue in fiscal year 2024. Revenue surged 28% from the prior year, signaling strong growth momentum. The organization ran a surplus of $79K, a strong 94% operating margin.

Mission

MANAGE AND PROVIDE RETIREMENT BENEFITS FOR VOLUNTEER FIRE DEPARTMENT MEMBERS.

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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 $34,904

Program Service Revenue $500

Investment Income $48,894

Other Revenue $0

TOTAL REVENUE $84,298

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Other Expenses $5,055

TOTAL EXPENSES $5,055

Year-over-Year Comparison

	2024	2023	Change
Revenue	$84,298	$66,110	+0.3%
Expenses	$5,055	$44,451	-0.9%
Net Income	$79,243	$21,659	+2.7%

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

N/A

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
RUTH WAGNER	PRESIDENT	1.00	Officer Director	$0	$0	$0
PAUL B DAHL	VICE PRESIDE	1.00	Officer Director	$0	$0	$0
ANDREW MCDONNELL	TREASURER	1.00	Officer Director	$0	$0	$0
DANIEL BAUMANN	SECRETARY	1.00	Officer Director	$0	$0	$0
JAMES MORRISON	FIRE CHIEF	1.00	Director	$0	$0	$0
MICHAEL VALENTINI	DIRECTOR	1.00	Director	$0	$0	$0
JACOB COUGHAN	DIRECTOR	1.00	Director	$0	$0	$0
JOHN R BOTTGER	DIRECTOR	1.00	Director	$0	$0	$0
DAVE HANSON	DIRECTOR	1.00	Director	$0	$0	$0
BEN SEATON	DIRECTOR	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	$84,298	$5,055	$788,621	$79,243
2023	$66,110	$44,451	$672,483	$21,659
2022	$71,847	$95,414	$591,770	$-23,567
2021	$77,517	$5,580	$765,128	$71,937
2020	$40,307	$4,859	$660,891	$35,448

GUNFLINT TRAIL VOLUNTEER FIRE DEPARTMENT RELIEF ASSOCIATION