ZION CROSSROADS VOLUNTEER FIRE DEPARTMENT INC (EIN 541646907) - 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

1992

Legal Domicile

Principal Officer

VAN FITZGERALD

Phone

4345662626

Tax Period

2021-01-01 to 2021-12-31

ZION CROSSROADS VOLUNTEER FIRE DEPARTMENT INC, founded in 1992, is a micro nonprofit that reported $90K in total revenue in fiscal year 2018. Revenue fell 60% from the prior year — a significant decline worth monitoring. Expenses of $83K left a modest 8% surplus.

Mission

PROVIDE FIRE SUPPRESSION, RESCUE AND OTHER EMERGENCY SERVICES

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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 (2021)

Revenue Breakdown

Contributions & Grants $174,109

Program Service Revenue $0

Investment Income $2

Other Revenue $0

TOTAL REVENUE $174,111

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $182,013

Other Expenses $192,876

TOTAL EXPENSES $192,876

Year-over-Year Comparison

	2021	2020	Change
Revenue	$174,111	$106,719	+0.6%
Expenses	$192,876	$102,146	+0.9%
Net Income	$-18,765	$4,573	-5.1%

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

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
VAN FITZGERALD	President	5.00	Officer	$0	$0	$0
HEIDI CLEAVER	Vice President	5.00	Officer	$0	$0	$0
CATHY KONOZA	Treasurer	5.00	Officer	$0	$0	$0
JACLYN MCCANN	Secretary	5.00	Officer	$0	$0	$0
CHARLES FINLEY	CHIEF	5.00	Officer	$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
2021	$174,111	$192,876	$1,639,802	$-18,765
2020	$106,719	$102,146	$1,658,567	$4,573
2019	$253,033	$93,448	$1,653,993	$159,585
2018	$89,902	$82,511	$1,630,529	$7,391

ZION CROSSROADS VOLUNTEER FIRE DEPARTMENT INC