NORTH RIVER VALLEY VOLUNTEER FIRE COMPANY (EIN 556023828) - 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

1956

Legal Domicile

Principal Officer

GAVIN CULVER

Phone

3047033393

Tax Period

2024-01-01 to 2024-12-31

NORTH RIVER VALLEY VOLUNTEER FIRE COMPANY, founded in 1956, is a small nonprofit that reported $197K in total revenue in fiscal year 2024. Expenses of $244K exceeded revenue, resulting in a 24% operating deficit.

Mission

PROVIDE FIRE PROTECTION TO 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 (2024)

Revenue Breakdown

Contributions & Grants $166,119

Program Service Revenue $0

Investment Income $323

Other Revenue $30,925

TOTAL REVENUE $197,367

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $244,203

Other Expenses $244,203

TOTAL EXPENSES $244,203

Year-over-Year Comparison

	2024	2023	Change
Revenue	$197,367	$194,140	+0.0%
Expenses	$244,203	$187,322	+0.3%
Net Income	$-46,836	$6,818	-7.9%

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
WILLIAM FRIDDLE	PRESIDENT	005.00	Officer	$0	$0	$0
BILL FITZWATER	VICE-PRESIDENT	004.00	Officer	$0	$0	$0
GAVIN CULVER	TREASURER	005.00	Officer	$0	$0	$0
ASHLEY HAMRICK	SECRETARY	005.00	Officer	$0	$0	$0
DARRON HAMRICK	CHIEF	005.00	Officer	$0	$0	$0
GARY BENDY	DEPUTY CHIEF	005.00	Officer	$0	$0	$0
DEREK DOVE	ASSISTANT CHIEF	005.00	Officer	$0	$0	$0
LARRY KERSTEN	2ND VICE PRESIDENT	004.00	Officer	$0	$0	$0
LUKE FUNK	CHAPLAIN	005.00	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
2024	$197,367	$244,203	$1,300,092	$-46,836
2023	$194,140	$187,322	$1,346,928	$6,818
2022	$179,742	$144,651	$1,340,110	$35,091
2021	$224,509	$134,981	$1,305,019	$89,528
2020	$254,441	$240,232	$1,215,491	$14,209
2019	$172,845	$123,570	$1,201,282	$49,275
2018	$76,423	$66,402	$1,152,007	$10,021

NORTH RIVER VALLEY VOLUNTEER FIRE COMPANY