BAY HEAD FIRE COMPANY NO 1 (EIN 521942305) - 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

1913

Legal Domicile

Principal Officer

SILKE STUTZ

Phone

7034596266

Tax Period

2025-01-01 to 2025-12-31

BAY HEAD FIRE COMPANY NO 1, founded in 1913, is a small nonprofit that reported $197K in total revenue in fiscal year 2025. Revenue decreased 17% compared to the prior year. The organization ran a surplus of $101K, a strong 51% operating margin.

Mission

PROVIDE FIRE PROTECTION TO THE COMMUNITY OF BOROUGH OF BAY HEAD, NJ. ASSIST MUTUAL AID FIRE COMPANIES IN THE AREA. FURNISH OTHER EMERGENCY AID WHEN NEEDED AND PROVIDE FIRE EDUCATION AND SAFETY PROGRAMS. THE FIRE COMPANY TYPICALLY RESPONDS TO OVER 100 EMERGENCY CALLS IN BAY HEAD AND SURROUNDING COMMUNITIES EACH YEAR.

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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 $13,170

Program Service Revenue $0

Investment Income $32,127

Other Revenue $152,180

TOTAL REVENUE $197,477

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $72,344

Other Expenses $96,832

TOTAL EXPENSES $96,832

Year-over-Year Comparison

	2025	2024	Change
Revenue	$197,477	$237,524	-0.2%
Expenses	$96,832	$80,605	+0.2%
Net Income	$100,645	$156,919	-0.4%

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
ROBERT HEIN	PRESIDENT	N/A	Officer	$0	$0	$0
KENNETH GLASS	VICE PRESIDE	N/A	Officer	$0	$0	$0
SILKE STUTZ	TREASURER	N/A	Officer	$0	$0	$0
WILLIAM DIKUN	SECRETARY	N/A	Officer	$0	$0	$0
JEFFREY APPLEGATE JR	ASSISTANT CH	N/A		$0	$0	$0
BRIAN WILLIAMS	TRUSTEE	N/A		$0	$0	$0
RICHARD NEALE	ASSISTANT TR	N/A	Officer	$0	$0	$0
KEN SEALS	TRUSTEE	N/A		$0	$0	$0
ANDY WELSH	CHIEF	N/A		$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	$197,477	$96,832	$1,495,271	$100,645
2024	$237,524	$80,605	$1,394,626	$156,919
2023	$205,227	$69,167	$1,237,707	$136,060
2022	$220,002	$54,876	$1,101,647	$165,126
2021	$152,787	$70,736	$936,482	$82,051
2020	$115,422	$30,218	$854,431	$85,204
2019	$127,763	$96,344	$769,227	$31,419
2018	$108,630	$67,559	$737,810	$41,071

BAY HEAD FIRE COMPANY NO 1