MONTGOMERY FIRE DEPARTMENT RELIEF ASSOCIATION (EIN 416045847) - 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

1949

Legal Domicile

Principal Officer

DAVE GAUL

Phone

9527580418

Tax Period

2024-01-01 to 2024-12-31

MONTGOMERY FIRE DEPARTMENT RELIEF ASSOCIATION, founded in 1949, is a micro nonprofit that reported $54K in total revenue in fiscal year 2024. Revenue fell 72% from the prior year — a significant decline worth monitoring. Expenses of $122K exceeded revenue, resulting in a 126% operating deficit.

Mission

TO PROVIDE RETIREMENT BENEFITS TO 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 (2024)

Revenue Breakdown

Contributions & Grants $2,434

Program Service Revenue $0

Investment Income $44,627

Other Revenue $7,135

TOTAL REVENUE $54,196

Expense Breakdown

Grants Paid $0

Salaries & Benefits $1,700

Fundraising Expenses $0

Program Expenses $108,494

Other Expenses $29,566

TOTAL EXPENSES $122,266

Year-over-Year Comparison

	2024	2023	Change
Revenue	$54,196	$193,891	-0.7%
Expenses	$122,266	$222,207	-0.4%
Net Income	$-68,070	$-28,316	+1.4%

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

$1,150

Total Directors

$1,500

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
DAVE GAUL	PRESIDENT/CE	0.50	Officer Director	$500	$0	$500
RICK SEMBAUER	SECRETARY	0.50	Officer Director	$350	$0	$350
SEAN BENZ	TREASURY	2.00	Officer Director	$300	$0	$300
JP BROWN	TRUSTEE	0.50	Director	$175	$0	$175
TONY KADRLIK	TRUSTEE	0.50	Director	$175	$0	$175
TRAVIS ROSE	VICE PRESIDE	0.50	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	$54,196	$122,266	$900,139	$-68,070
2023	$193,891	$222,207	$916,439	$-28,316
2022	$161,321	$196,093	$852,285	$-34,772
2021	$294,859	$177,403	$990,189	$117,456
2020	$148,672	$126,558	$879,747	$22,114
2019	$77,379	$16,085	$803,499	$61,294
2018	$67,540	$18,869	$661,972	$48,671

MONTGOMERY FIRE DEPARTMENT RELIEF ASSOCIATION