RAPPAHANNOCK COUNTY VOLUNTEER FIRE & RESCUE ASSOCIATION (EIN 541841733) - 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

1968

Legal Domicile

Principal Officer

ANN SPIEKER

Phone

5406753615

Tax Period

2024-07-01 to 2025-06-30

RAPPAHANNOCK COUNTY VOLUNTEER FIRE & RESCUE ASSOCIATION, founded in 1968, is a small nonprofit in the Public Safety sector that reported $301K in total revenue in fiscal year 2018. Revenue surged 452% from the prior year, signaling strong growth momentum. The organization ran a surplus of $59K, a strong 20% operating margin.

Mission

THE ORGANIZATION SUPPORTS THE 7 FIRE AND RESCUE COMPANIES IN RAPPAHANOCK COUNTY, VA THROUGH TRAINING, INCIDENT COORDINATION AND MAINTENANCE OF THE STANDARD OPERATING GUIDELINES.

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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 (2024)

Revenue Breakdown

Contributions & Grants $85,000

Program Service Revenue $0

Investment Income $0

Other Revenue $0

TOTAL REVENUE $85,000

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $61,338

Other Expenses $64,959

TOTAL EXPENSES $64,959

Year-over-Year Comparison

	2024	2023	Change
Revenue	$85,000	$3,006	+27.3%
Expenses	$64,959	$109,773	-0.4%
Net Income	$20,041	$-106,767	-1.2%

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

165

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
JACK ATKINS	PRESIDENT	8.00	Officer Director	$0	$0	$0
CAROL ANN COLE	VICE PRESIDENT	4.00	Officer Director	$0	$0	$0
ANN SPIEKER	TREASURER	4.00	Officer Director	$0	$0	$0
ARTHUR CANDENQUEST	SECRETARY	8.00	Officer Director	$0	$0	$0
FRED STACEY	DIRECTOR	1.00	Director	$0	$0	$0
SHERRY HAMILL-HUFF	DIRECTOR	1.00	Director	$0	$0	$0
JACQUI HOWINGTON	DIRECTOR	1.00	Director	$0	$0	$0
RICHIE BURKE	DIRECTOR	1.00	Director	$0	$0	$0
SHAWN ROE	DIRECTOR	1.00	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	$85,000	$64,959	$30,108	$20,041
2024	$3,006	$109,773	$10,067	$-106,767
2023	$7,493	$73,529	$116,834	$-66,036
2022	$282,016	$268,398	$182,870	$13,618
2021	$292,386	$258,623	$169,253	$33,763
2020	$292,549	$235,927	$135,490	$56,622
2019	$301,117	$242,055	$78,868	$59,062

RAPPAHANNOCK COUNTY VOLUNTEER FIRE & RESCUE ASSOCIATION