RIDGEFIELD PROFESSIONAL FIRE FIGHTERS LOCAL 1739 VEBA TRUST FUND (EIN 455138898) - 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

2007

Legal Domicile

Principal Officer

BPAS

Phone

2034312724

Tax Period

2024-01-01 to 2024-12-31

RIDGEFIELD PROFESSIONAL FIRE FIGHTERS LOCAL 1739 VEBA TRUST FUND, founded in 2007, is a small nonprofit in the Mutual Benefit sector that reported $174K in total revenue in fiscal year 2024. Revenue grew 13% year-over-year, indicating healthy expansion. The organization ran a surplus of $115K, a strong 66% operating margin.

Mission

A VOLUNTARY EMPLOYEES' BENEFICIARY ASSOC (VEBA) TO FUND REIMBURSEMENT OF ELIGIBLE MEDICAL EXPENSES UNDER A HEALTH REIMBURSEMENT ARRANGEMENT.

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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 $0

Program Service Revenue $124,169

Investment Income $49,529

Other Revenue $0

TOTAL REVENUE $173,698

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $47,853

Other Expenses $11,014

TOTAL EXPENSES $58,867

Year-over-Year Comparison

	2024	2023	Change
Revenue	$173,698	$153,706	+0.1%
Expenses	$58,867	$78,438	-0.2%
Net Income	$114,831	$75,268	+0.5%

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
Hand Benefit Trust Co	Trustee	1.0		$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	$173,698	$58,867	$2,132,792	$114,831
2023	$153,706	$78,438	$1,929,407	$75,268
2022	$141,400	$49,137	$1,750,411	$92,263
2021	$67,805	$21,896	$1,759,690	$45,909
2019	$205,656	$40,156	$1,269,304	$165,500
2018	$163,426	$62,955	$1,011,935	$100,471

RIDGEFIELD PROFESSIONAL FIRE FIGHTERS LOCAL 1739 VEBA TRUST FUND