INTERNATIONAL ASSOCIATION OF FIRE FIGHTERS L0066 WATERLOO (EIN 426059221) - 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

1965

Legal Domicile

Principal Officer

MICHAEL ZIMMERLY

Phone

5639208733

Tax Period

2025-01-01 to 2025-12-31

INTERNATIONAL ASSOCIATION OF FIRE FIGHTERS L0066 WATERLOO, founded in 1965, is a small nonprofit that reported $132K in total revenue in fiscal year 2025. Revenue decreased 18% compared to the prior year. Net assets of $652K represent 59 months of operating reserves.

Mission

OPERATE FIREFIGHTER CAUSES.

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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 (2025)

Revenue Breakdown

Contributions & Grants $110,512

Program Service Revenue $0

Investment Income $21,185

Other Revenue $0

TOTAL REVENUE $131,697

Expense Breakdown

Grants Paid $0

Salaries & Benefits $2,895

Fundraising Expenses $6,867

Other Expenses $82,214

TOTAL EXPENSES $143,875

Year-over-Year Comparison

	2025	2024	Change
Revenue	$131,697	$160,151	-0.2%
Expenses	$143,875	$139,012	+0.0%
Net Income	$-12,178	$21,139	-1.6%

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

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

$15,898

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
MICHAEL SPENCE	PRESIDENT	10.00	Officer	$7,482	$0	$7,482
LEVI HUBKA	SECRETARY	10.00	Officer	$4,208	$0	$4,208
MICHAEL ZIMMERLY	TREASURER	10.00	Officer	$4,208	$0	$4,208

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
2025	$131,697	$143,875	$652,028	$-12,178
2024	$160,151	$139,012	$664,206	$21,139
2023	$163,465	$120,316	$643,067	$43,149
2022	$129,844	$127,448	$599,918	$2,396
2021	$138,900	$133,205	$597,522	$5,695
2020	$105,961	$82,191	$591,827	$23,770
2019	$125,777	$82,486	$568,057	$43,291
2018	$100,925	$99,958	$524,766	$967

INTERNATIONAL ASSOCIATION OF FIRE FIGHTERS L0066 WATERLOO