BERNARD COMM FIRE ASSOC (EIN 421215117) - 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

1953

Legal Domicile

Principal Officer

DAN WHITE

Phone

5638523171

Tax Period

2023-01-01 to 2023-12-31

BERNARD COMM FIRE ASSOC, founded in 1953, is a micro nonprofit in the Public Safety sector that reported $89K in total revenue in fiscal year 2023. Revenue decreased 19% compared to the prior year. The organization ran a surplus of $61K, a strong 68% operating margin.

Mission

TO PROVIDE FIRE SERVICE PROTECTION TO BERNARD AND SURROUNDING AREAS.

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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 (2023)

Revenue Breakdown

Contributions & Grants $19,254

Program Service Revenue $67,996

Investment Income $1,591

Other Revenue $0

TOTAL REVENUE $88,841

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $28,128

Other Expenses $28,128

TOTAL EXPENSES $28,128

Year-over-Year Comparison

	2023	2022	Change
Revenue	$88,841	$109,407	-0.2%
Expenses	$28,128	$15,635	+0.8%
Net Income	$60,713	$93,772	-0.4%

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

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

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
DAN WHITE	PRESIDENT	N/A	Director	$0	$0	$0
JOHN MARTIN	VICE PRESIDENT	N/A	Director	$0	$0	$0
JASON KRAMER	DIRECTOR	N/A	Director	$0	$0	$0
TOM RYAN	DIRECTOR	N/A	Director	$0	$0	$0
STEVE RECKER	DIRECOR	N/A	Director	$0	$0	$0
LISA DROESZLER	SECRETARY/TREASURER	N/A	Officer	$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	No data	No data	No data	No data
2023	$88,841	$28,128	$1,224,910	$60,713
2022	$109,407	$15,635	$1,124,901	$93,772
2021	$118,265	$29,732	$1,055,537	$88,533
2020	$72,864	$29,359	$949,917	$43,505
2019	$82,257	$29,890	$889,965	$52,367
2018	$259,541	$31,315	$813,818	$228,226

BERNARD COMM FIRE ASSOC