ST CHARLES FIRE RELIEF ASSOCIATION (EIN 510190276) - 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

1968

Legal Domicile

Phone

5079324461

Tax Period

2024-01-01 to 2024-12-31

ST CHARLES FIRE RELIEF ASSOCIATION, founded in 1968, is a small nonprofit that reported $155K in total revenue in fiscal year 2024. Revenue fell 22% from the prior year — a significant decline worth monitoring. Expenses of $179K exceeded revenue, resulting in a 15% operating deficit.

Mission

TO PROVIDE RETIREMENT, DISABILITY AND DEATH BENEFIT FOR 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 $2,158

Program Service Revenue $154,148

Investment Income $670

Other Revenue $-2,087

TOTAL REVENUE $154,889

Expense Breakdown

Grants Paid $0

Salaries & Benefits $1,000

Fundraising Expenses $0

Program Expenses $178,763

Other Expenses $6,763

TOTAL EXPENSES $178,763

Year-over-Year Comparison

	2024	2023	Change
Revenue	$154,889	$199,852	-0.2%
Expenses	$178,763	$67,129	+1.7%
Net Income	$-23,874	$132,723	-1.2%

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

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

$500

Total Directors

$500

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
MARK LINDERBAUM	Trustee	5.00	Director	$500	$0	$500
TERRY SOPA	Vice President	4.00	Officer	$500	$0	$500
AARON CARLSON	Trustee	2.00	Director	$0	$0	$0
NATHAN BOICE	Secretary	5.00	Officer	$0	$0	$0
MARK MICKOW	Treasurer	2.00	Officer	$0	$0	$0
JOHN MILLER	President	5.00	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	$154,889	$178,763	$1,441,220	$-23,874
2023	$199,852	$67,129	$1,465,012	$132,723
2022	$-97,985	$8,903	$1,332,480	$-106,888
2021	$245,148	$157,692	$1,439,150	$87,456
2020	$217,590	$54,350	$1,351,714	$163,240
2019	$250,691	$20,269	$1,188,770	$230,422
2018	$1,240	$6,692	$958,032	$-5,452

ST CHARLES FIRE RELIEF ASSOCIATION