White Marsh Volunteer Fire Company (EIN 526050771) - 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

1945

Legal Domicile

Principal Officer

Les Richardson

Phone

4103355112

Tax Period

2024-07-01 to 2025-06-30

White Marsh Volunteer Fire Company, founded in 1945, is a small nonprofit in the Public Safety sector that reported $926K in total revenue in fiscal year 2024. Revenue decreased 11% compared to the prior year. Expenses of $1.1M exceeded revenue, resulting in a 19% operating deficit.

Mission

Provide emergency medical and fire services to the community of White Marsh at no cost. Respond to 5,436 calls during the 12 months ended June 30, 2025.

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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 $811,668

Program Service Revenue $57,053

Investment Income $2,971

Other Revenue $54,557

TOTAL REVENUE $926,249

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $1,001,139

Other Expenses $1,101,653

TOTAL EXPENSES $1,101,653

Year-over-Year Comparison

	2024	2023	Change
Revenue	$926,249	$1,041,864	-0.1%
Expenses	$1,101,653	$1,030,241	+0.1%
Net Income	$-175,404	$11,623	-16.1%

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
Vineet Sancheti	Chairperson	025.00	Officer Director	$0	$0	$0
Keith Wolcott	Co-Chairman of the Board	025.00	Officer Director	$0	$0	$0
Robert Pedrick	President	001.00	Officer Director	$0	$0	$0
Dale Hess	Chief Operating Officer	001.00	Officer Director	$0	$0	$0
Les Richardson	VP of Finance	001.00	Officer Director	$0	$0	$0
Christine Sebo	VP of Recording	001.00	Officer Director	$0	$0	$0
Alex Mawry	Community Board Member	001.00	Director	$0	$0	$0
Joshua Ryan	Community Board Member	001.00	Director	$0	$0	$0
Jessica Sweigart	Community Board Member	001.00	Director	$0	$0	$0
Xavier Owens	Community Member	001.00	Director	$0	$0	$0
Philip Winkler	Community Member	001.00	Director	$0	$0	$0
Daniel Dietrich	Community Member	001.00	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	$926,249	$1,101,653	$9,682,963	$-175,404
2024	$1,041,864	$1,030,241	$9,965,867	$11,623
2023	$961,515	$929,155	$9,439,584	$32,360
2022	$1,044,993	$768,959	$9,522,088	$276,034
2021	$711,796	$726,137	$9,477,437	$-14,341
2020	$632,014	$690,079	$9,626,333	$-58,065
2019	$3,623,006	$735,435	$8,990,578	$2,887,571
2018	$498,071	$305,929	$7,229,515	$192,142

White Marsh Volunteer Fire Company