WHITE BEAR LAKE FIRE DEPARTMENT RELIEF ASSOCIATION (EIN 416037919) - 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

1930

Legal Domicile

Principal Officer

MARGARET JANSSEN

Phone

6514298568

Tax Period

2019-01-01 to 2019-12-31

WHITE BEAR LAKE FIRE DEPARTMENT RELIEF ASSOCIATION, founded in 1930, is a micro nonprofit that reported $13K in total revenue in fiscal year 2019. Revenue fell 97% from the prior year — a significant decline worth monitoring. Expenses of $39K exceeded revenue, resulting in a 199% operating deficit.

Mission

PROVIDE RETIREMENT AND DISABILITY BENEFITS TO 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 (2019)

Revenue Breakdown

Contributions & Grants $1,489

Program Service Revenue $1,340

Investment Income $27

Other Revenue $10,258

TOTAL REVENUE $13,114

Expense Breakdown

Grants Paid $3,353

Salaries & Benefits $2,835

Fundraising Expenses $0

Program Expenses $6,103

Other Expenses $33,001

TOTAL EXPENSES $39,189

Year-over-Year Comparison

	2019	2018	Change
Revenue	$13,114	$388,070	-1.0%
Expenses	$39,189	$512,140	-0.9%
Net Income	$-26,075	$-124,070	-0.8%

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

$2,835

Total Directors

$2,835

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
MARGARET JANSSEN	TREASURER	5.00	Officer Director	$569	$0	$569
BRIAN FISHER	PRESIDENT	5.00	Officer Director	$341	$0	$341
PETER FISCHER	SECRETARY	5.00	Officer Director	$0	$0	$0
JEREMY ANDERT	TREASURER (PART YEAR)	5.00	Officer Director	$1,925	$0	$1,925
NEIL OLESS	TRUSTEE	5.00	Director	$0	$0	$0
TABATHA L'ALLIER	TRUSTEE	5.00	Director	$0	$0	$0
JO EMERSON	EX-OFFICIO TRUSTEE	5.00	Director	$0	$0	$0
DON RAMBOW	EX-OFFICIO TRUSTEE	5.00	Director	$0	$0	$0
GREG PETERSON	EX-OFFICIO TRUSTEE	5.00	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
2019	$13,114	$39,189	$39,292	$-26,075
2018	$388,070	$512,140	$6,403,374	$-124,070

WHITE BEAR LAKE FIRE DEPARTMENT RELIEF ASSOCIATION