Clover Roane Volunteer Fire Department (EIN 550160119) - 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

1998

Legal Domicile

Phone

3049271299

Tax Period

2023-01-01 to 2023-12-31

Clover Roane Volunteer Fire Department, founded in 1998, is a small nonprofit in the Public & Societal Benefit sector that reported $164K in total revenue in fiscal year 2023. Revenue surged 47% from the prior year, signaling strong growth momentum. The organization ran a surplus of $32K, a strong 19% operating margin.

Mission

To provide Fire and Rescue services to the community.

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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 (2023)

Revenue Breakdown

Contributions & Grants $135,137

Program Service Revenue $0

Investment Income $17,405

Other Revenue $11,078

TOTAL REVENUE $163,620

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $131,946

Other Expenses $131,946

TOTAL EXPENSES $131,946

Year-over-Year Comparison

	2023	2022	Change
Revenue	$163,620	$111,432	+0.5%
Expenses	$131,946	$177,534	-0.3%
Net Income	$31,674	$-66,102	-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

N/A

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
Adam Smith	Chief	2.00	Director	$0	$0	$0
Steve Cale	Assistant Chief	0.00	Director	$0	$0	$0
Rick Cale	Captain	2.00	Director	$0	$0	$0
Crystal Smith	Secretary/Treas	2.00	Director	$0	$0	$0
Ronnie Stone	Board Member	0.00	Officer	$0	$0	$0
James Williams	Board Member	2.00	Officer	$0	$0	$0
Cassidy Church	Lieutenant	2.00	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
2025	No data	No data	No data	No data
2024	No data	No data	No data	No data
2023	$163,620	$131,946	$895,045	$31,674
2022	$111,432	$177,534	$891,728	$-66,102
2021	$83,506	$181,489	$990,632	$-97,983
2020	$422,657	$178,582	$938,249	$244,075
2019	$91,384	$73,645	$709,942	$17,739

Clover Roane Volunteer Fire Department