BALTO FIRE OFFICERS LOCAL 964 VEBA (EIN 521348303) - 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

1948

Legal Domicile

Phone

4102766964

Tax Period

2025-01-01 to 2025-12-31

BALTO FIRE OFFICERS LOCAL 964 VEBA, founded in 1948, is a micro nonprofit that reported $65K in total revenue in fiscal year 2025. The organization ran a surplus of $19K, a strong 29% operating margin.

Mission

DEATH BENEFITS FUND

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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 $260

Program Service Revenue $0

Investment Income $64,637

Other Revenue $0

TOTAL REVENUE $64,897

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $46,015

Other Expenses $6,015

TOTAL EXPENSES $46,015

Year-over-Year Comparison

	2025	2024	Change
Revenue	$64,897	$64,773	+0.0%
Expenses	$46,015	$46,541	0.0%
Net Income	$18,882	$18,232	+0.0%

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
MICHAEL HOGAN	SECRETARYTREASURER	10.00	Officer Director	$0	$0	$0
JOSHUA FANNON	PRESIDENT	10.00	Officer Director	$0	$0	$0
MICHAEL HUDSON	FIRST VICE PRESIDENT	10.00	Officer Director	$0	$0	$0
THOMAS SKINNER	SECOND VICE PRESIDENT	10.00	Officer Director	$0	$0	$0
MATTHEW DIMICK	TRUSTEE	1.00	Director	$0	$0	$0
HARRY CONWAY	RECORDING SECRETARY	1.00	Officer Director	$0	$0	$0
DUANE HULL	TRUSTEE	1.00	Director	$0	$0	$0
JAMES CAVASINA	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	$64,897	$46,015	$786,134	$18,882
2024	$64,773	$46,541	$762,095	$18,232
2023	$33,740	$26,380	$721,877	$7,360
2022	$254,219	$42,488	$666,763	$211,731
2021	$56,285	$34,714	$537,529	$21,571
2020	$46,035	$33,705	$468,151	$12,330

BALTO FIRE OFFICERS LOCAL 964 VEBA