CHESWOLD VOLUNTEER FIRE COMPANY (EIN 510107627) - 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

1931

Legal Domicile

Principal Officer

TUCKER DEMPSEY

Phone

3025385772

Tax Period

2023-12-01 to 2024-11-30

CHESWOLD VOLUNTEER FIRE COMPANY, founded in 1931, is a community nonprofit that reported $1.9M in total revenue in fiscal year 2023. Revenue surged 27% from the prior year, signaling strong growth momentum. The organization ran a surplus of $489K, a strong 26% operating margin.

Mission

VOLUNTEER FIRE PROTECTION AND RESCUE.

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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 $1,709,424

Program Service Revenue $0

Investment Income $56,777

Other Revenue $88,107

TOTAL REVENUE $1,854,308

Expense Breakdown

Grants Paid $0

Salaries & Benefits $587,369

Fundraising Expenses $0

Program Expenses $1,273,720

Other Expenses $777,610

TOTAL EXPENSES $1,364,979

Year-over-Year Comparison

	2023	2022	Change
Revenue	$1,854,308	$1,456,879	+0.3%
Expenses	$1,364,979	$1,272,656	+0.1%
Net Income	$489,329	$184,223	+1.7%

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

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
TUCKER DEMPSEY	PRESIDENT	2.00	Officer Director	$0	$0	$0
DANIEL CERUTTI	VICE PRESIDE	2.00	Officer Director	$0	$0	$0
CRAIG SPENCER	TREASURER	2.00	Officer Director	$0	$0	$0
PAIGE FITZGERALD	SECRETARY	2.00	Officer Director	$0	$0	$0
JOSHUA DEMPSEY	FIRE CHIEF	40.00	Director	$0	$0	$0
KEN CLENDANIEL	TRUSTEE	1.00	Director	$0	$0	$0
TYRON MARTIN	TRUSTEE	1.00	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
2024	$1,854,308	$1,364,979	$4,448,681	$489,329
2023	$1,456,879	$1,272,656	$3,788,323	$184,223
2022	$1,548,885	$1,138,703	$3,631,895	$410,182
2021	$1,303,796	$1,262,579	$3,255,306	$41,217
2020	$1,224,130	$1,082,860	$3,233,267	$141,270
2019	$1,303,220	$1,266,201	$3,190,638	$37,019
2018	$1,289,821	$1,245,393	$2,917,403	$44,428

CHESWOLD VOLUNTEER FIRE COMPANY