FEDERALSBURG VOLUNTEER FIRE CO INC (EIN 526049060) - 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

1900

Legal Domicile

Principal Officer

CRAIG RUF

Phone

4107543329

Tax Period

2024-01-01 to 2024-12-31

FEDERALSBURG VOLUNTEER FIRE CO INC, founded in 1900, is a small nonprofit that reported $476K in total revenue in fiscal year 2024. Expenses of $454K left a modest 5% surplus.

Mission

PROVIDE EMERGENCY FIRE AND AMBULANCE SERVICE TO THE COMMUNITY OF FEDERALSBURG

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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 $391,541

Program Service Revenue $0

Investment Income $30,134

Other Revenue $53,946

TOTAL REVENUE $475,621

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $453,639

Other Expenses $453,639

TOTAL EXPENSES $453,639

Year-over-Year Comparison

	2024	2023	Change
Revenue	$475,621	$467,081	+0.0%
Expenses	$453,639	$311,411	+0.5%
Net Income	$21,982	$155,670	-0.9%

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
KEVIN MOWBRAY	VICE PRESIDENT	0.50	Officer Director	$0	$0	$0
CATHY TOOMEY	SECRETARY	0.50	Officer Director	$0	$0	$0
ALAN PLANNER	TRUSTEE	0.20	Director	$0	$0	$0
CRAIG RUF	TREASURER	0.50	Officer Director	$0	$0	$0
DAVID MOREAN	PRESIDENT	0.20	Officer Director	$0	$0	$0
NOAH LYDEN	TRUSTEE	0.20	Director	$0	$0	$0
DANNY PHILLIPS	TRUSTEE	0.20	Director	$0	$0	$0
EDDIE COULBOURNE	TRUSTEE	0.20	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	$475,621	$453,639	$3,019,664	$21,982
2023	$467,081	$311,411	$2,622,714	$155,670
2022	$451,617	$294,026	$2,467,044	$157,591
2021	$457,440	$326,937	$2,366,836	$130,503
2020	$374,347	$273,187	$2,360,071	$101,160
2019	$363,779	$324,964	$2,354,213	$38,815
2018	$341,801	$311,142	$2,408,332	$30,659

FEDERALSBURG VOLUNTEER FIRE CO INC