Silver Spring Volunteer Fire Department (EIN 520485745) - 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

1915

Legal Domicile

Principal Officer

Gerald Leener

Phone

3015883548

Tax Period

2024-07-01 to 2025-06-30

Silver Spring Volunteer Fire Department, founded in 1915, is a small nonprofit in the Philanthropy & Grantmaking sector that reported $646K in total revenue in fiscal year 2024. Revenue fell 21% from the prior year — a significant decline worth monitoring. The organization ran a surplus of $159K, a strong 25% operating margin.

Mission

To provide fire and rescue services to the greater community.

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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 $261,745

Program Service Revenue $0

Investment Income $274,390

Other Revenue $109,832

TOTAL REVENUE $645,967

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $376,908

Other Expenses $486,622

TOTAL EXPENSES $486,622

Year-over-Year Comparison

	2024	2023	Change
Revenue	$645,967	$813,086	-0.2%
Expenses	$486,622	$476,069	+0.0%
Net Income	$159,345	$337,017	-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

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
Claire Cramer	President	20.00	Officer Director	$0	$0	$0
Harold Tarver	Vice President	10.00	Officer Director	$0	$0	$0
Gerald Leener	Treasurer	17.00	Officer Director	$0	$0	$0
Susan Myatt	Secretary	10.00	Officer Director	$0	$0	$0
Mark Perlman	Trustee	5.00	Director	$0	$0	$0
Kerri Dorsey	Trustee	3.00	Director	$0	$0	$0
Arnold Passman	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
2025	$645,967	$486,622	$10,348,956	$159,345
2024	$813,086	$476,069	$10,091,102	$337,017
2023	$466,565	$456,078	$9,548,637	$10,487
2022	$460,317	$442,339	$9,141,343	$17,978
2021	$735,696	$375,119	$9,889,652	$360,577
2020	$469,754	$353,741	$9,071,647	$116,013
2019	$588,117	$355,963	$8,805,324	$232,154
2018	$368,516	$344,231	$8,488,601	$24,285

Silver Spring Volunteer Fire Department