MAPLEWOOD FIREFIGHTERS RELIEF ASSOCIATION (EIN 416032147) - 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

1960

Legal Domicile

Principal Officer

ALPHONSE PACHECO

Phone

6512319370

Tax Period

2018-01-01 to 2018-11-13

MAPLEWOOD FIREFIGHTERS RELIEF ASSOCIATION, founded in 1960, is a micro nonprofit that reported $9K in total revenue in fiscal year 2018. Revenue fell 96% from the prior year — a significant decline worth monitoring. Expenses of $5.3M exceeded revenue, resulting in a 58589% operating deficit.

Mission

TO PROVIDE RETIREMENT BENEFITS FOR INDIVIDUALS PROVIDING THE GOVERNMENTAL SERVICES OF FIREFIGHTING.

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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 (2018)

Revenue Breakdown

Contributions & Grants $7,000

Program Service Revenue $0

Investment Income $1,798

Other Revenue $315

TOTAL REVENUE $9,113

Expense Breakdown

Grants Paid $0

Salaries & Benefits $9,500

Fundraising Expenses $0

Program Expenses $5,100,314

Other Expenses $243,876

TOTAL EXPENSES $5,348,342

Year-over-Year Comparison

	2018	2017	Change
Revenue	$9,113	$232,065	-1.0%
Expenses	$5,348,342	$392,346	+12.6%
Net Income	$-5,339,229	$-160,281	+32.3%

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

$9,500

Total Directors

$9,500

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
TRACY IMM	PRESIDENT	3.00	Officer Director	$3,000	$0	$3,000
JEFF MORGAN	VICE PRESIDENT	1.00	Officer Director	$0	$0	$0
JAMIE KARRAS	SECRETARY	1.00	Officer Director	$3,000	$0	$3,000
ALPONSE PACHECO	TREASURER	3.00	Officer Director	$3,500	$0	$3,500
BOB KANE	TRUSTEE	1.00	Director	$0	$0	$0
DAVE BAHL	TRUSTEE	1.00	Director	$0	$0	$0
NORA SLAWIK	EX-OFFICIO TRUSTEE	1.00	Director	$0	$0	$0
ELLEN PAULSETH	EX-OFFICIO TRUSTEE	1.00	Director	$0	$0	$0
STEVE LUKIN	EX-OFFICIO TRUSTEE	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
2018	$9,113	$5,348,342	No data	$-5,339,229

MAPLEWOOD FIREFIGHTERS RELIEF ASSOCIATION