COOL BRANCH VOLUNTEER FIRE COMPANY INC (EIN 541421533) - Form 990 Financial Analysis & Trantor Score

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Tuckman-Chang Vulnerability Assessment

4 risk indicators measuring financial stability and operational resilience

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Financial Trends

Organization Details

Formation Year

1988

Legal Domicile

Principal Officer

JENNIFER MARLOWE

Phone

4347930110

Tax Period

2025-01-01 to 2025-12-31

Cool Branch Volunteer Fire Company Inc, founded in 1988, is a small nonprofit in the Public Safety sector that reported $116K in total revenue in fiscal year 2018. Revenue fell 60% from the prior year — a significant decline worth monitoring. Expenses of $169K exceeded revenue, resulting in a 46% operating deficit.

Mission

TO PROVIDE FIRE FIGHTING,FIRE PREVENTION, AND RESCUE SERVICES FOR THE COMMUNITY.

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Trantor Score

Financial Health & Payment Capacity Assessment (FICO Scale: 300–850)

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Liquidity (40%) • Solvency (30%) • Sustainability (20%) • Efficiency (10%)

Financial Overview (2025)

Revenue Breakdown

Contributions & Grants $90,457

Program Service Revenue $0

Investment Income $1,295

Other Revenue $6,520

TOTAL REVENUE $98,272

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $86,177

Other Expenses $90,997

TOTAL EXPENSES $90,997

Year-over-Year Comparison

	2025	2024	Change
Revenue	$98,272	$67,972	+0.4%
Expenses	$90,997	$82,960	+0.1%
Net Income	$7,275	$-14,988	-1.5%

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
DANIEL MATHERLY	CHIEF	4.00	Director	$0	$0	$0
BEN BRADBURN	PRESIDENT, ASST CHIEF	4.00	Officer Director	$0	$0	$0
MICHAEL WATSON	SECRETARY	4.00	Officer Director	$0	$0	$0
JENNIFER MARLOWE	TREASURER	4.00	Officer Director	$0	$0	$0
RYAN MARLOWE	DIRECTOR, CAPTAIN	4.00	Officer Director	$0	$0	$0
JAMES HALL	VICE PRESIDENT	4.00	Officer Director	$0	$0	$0
STEVE MILLER	DIRECTOR	4.00	Director	$0	$0	$0
DONNIE MCGOWAN	DIRECTOR	4.00	Director	$0	$0	$0
TYLER LOOMIS	DIRECTOR	4.00	Director	$0	$0	$0
LINDSEY GORDON	DIRECTOR,SECRETARY	4.00	Officer 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	$98,272	$90,997	$638,917	$7,275
2024	$67,972	$82,960	$645,955	$-14,988
2023	$141,693	$114,991	$673,922	$26,702
2022	$321,816	$150,879	$811,190	$170,937
2021	$131,681	$129,007	$882,695	$2,674
2020	$59,382	$125,530	$901,700	$-66,148
2019	$80,243	$115,144	$552,849	$-34,901
2018	$115,763	$169,355	$587,747	$-53,592

COOL BRANCH VOLUNTEER FIRE COMPANY INC