ALBANY VOLUNTEER FIREMENS RELIEF ASSOCIA (EIN 416024223) - 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

1903

Legal Domicile

Principal Officer

KEVIN SPOHN

Phone

3208454040

Tax Period

2025-01-01 to 2025-12-31

ALBANY VOLUNTEER FIREMENS RELIEF ASSOCIA, founded in 1903, is a small nonprofit that reported $183K in total revenue in fiscal year 2025. Revenue grew 14% year-over-year, indicating healthy expansion. The organization ran a surplus of $112K, a strong 61% operating margin.

Mission

TO PROVIDE RETIREMENT BENEFITS FOR FIREMEN.

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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 (2025)

Revenue Breakdown

Contributions & Grants $83,616

Program Service Revenue $0

Investment Income $99,381

Other Revenue $0

TOTAL REVENUE $182,997

Expense Breakdown

Grants Paid $0

Salaries & Benefits $1,000

Fundraising Expenses $0

Program Expenses $71,374

Other Expenses $13,374

TOTAL EXPENSES $71,374

Year-over-Year Comparison

	2025	2024	Change
Revenue	$182,997	$160,398	+0.1%
Expenses	$71,374	$13,170	+4.4%
Net Income	$111,623	$147,228	-0.2%

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

$1,000

Total Directors

$1,000

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
ZAC ZIERDEN	PRESIDENT	0.50	Officer Director	$300	$0	$300
KURT BEUNING	VICE PRESIDENT	0.50	Officer Director	$0	$0	$0
KEVIN SPOHN	TREASURER	0.50	Officer Director	$400	$0	$400
KURT RICHTER	TRUSTEE	0.50	Director	$0	$0	$0
CHAD FRIELER	TRUSTEE	0.50	Director	$0	$0	$0
ANDY BRUDER	FIRE CHIEF (EX-OFFICIO)	0.50	Director	$0	$0	$0
TOM KASNER	MAYOR (EX-OFFICIO)	0.50	Director	$0	$0	$0
GARY WINKELS	CITY CLERK (EX-OFFICIO)	0.50	Director	$0	$0	$0
GREG MUELLNER	SECRETARY	0.50	Officer Director	$300	$0	$300

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
2025	$182,997	$71,374	$1,580,872	$111,623
2024	$160,398	$13,170	$1,357,983	$147,228
2023	$91,359	$10,012	$1,138,695	$81,347
2022	$78,899	$9,288	$932,042	$69,611
2021	$109,755	$69,859	$1,016,816	$39,896
2020	$81,663	$55,033	$899,573	$26,630
2019	$93,943	$60,137	$806,160	$33,806
2018	$189,387	$52,370	$691,133	$137,017

ALBANY VOLUNTEER FIREMENS RELIEF ASSOCIA