Carver Fire Dept Relief Association (EIN 416030531) - 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

1915

Legal Domicile

Principal Officer

Luke Swirtz

Phone

9522371501

Tax Period

2022-01-01 to 2022-12-31

Carver Fire Dept Relief Association, founded in 1915, is a micro nonprofit in the Public Safety sector that reported $62K in total revenue in fiscal year 2022. Revenue fell 82% from the prior year — a significant decline worth monitoring. The organization ran a surplus of $17K, a strong 27% operating margin.

Mission

Provide retirement benefits for volunteer firefighters.

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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 (2022)

Revenue Breakdown

Contributions & Grants $69,139

Program Service Revenue $0

Investment Income $-7,372

Other Revenue $0

TOTAL REVENUE $61,767

Expense Breakdown

Grants Paid $10,200

Salaries & Benefits $3,500

Fundraising Expenses $0

Program Expenses $20,041

Other Expenses $31,288

TOTAL EXPENSES $44,988

Year-over-Year Comparison

	2022	2021	Change
Revenue	$61,767	$337,916	-0.8%
Expenses	$44,988	$30,403	+0.5%
Net Income	$16,779	$307,513	-0.9%

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

$3,500

Total Directors

$3,500

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Luke Swirtz	President	1.00	Officer Director	$1,000	$0	$1,000
Shawn Cox	Vice President	1.00	Officer Director	$0	$0	$0
Doug Elyea	Secretary	2.00	Officer Director	$500	$0	$500
Brian Hall	Treasurer	2.00	Officer Director	$2,000	$0	$2,000
Nate Lindall	Trustee	1.00	Director	$0	$0	$0
Chad Rausch	Trustee	1.00	Director	$0	$0	$0
Courtney Johnson	Ex Officio Member/Mayor	1.00	Director	$0	$0	$0
Brent Mareck	Ex Officio Member/City Administrator	1.00	Director	$0	$0	$0
Cally Trimbo	Ex Officio Member/Fire Chief	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
2022	$61,767	$44,988	$25,061	$16,779
2021	$337,916	$30,403	$1,393,406	$307,513
2020	$84,038	$31,223	$1,221,154	$52,815
2019	$88,630	$35,534	$1,047,458	$53,096
2018	$123,327	$135,093	$852,473	$-11,766

Carver Fire Dept Relief Association