LUCIA RIVERBEND VOLUNTEER FIRE DEPARTMENT INC (EIN 561408914) - 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

1957

Legal Domicile

Principal Officer

LISA OSBORNE

Phone

7048275206

Tax Period

2024-07-01 to 2025-06-30

LUCIA RIVERBEND VOLUNTEER FIRE DEPARTMENT INC, founded in 1957, is a small nonprofit in the Public Safety sector that reported $782K in total revenue in fiscal year 2024. Revenue surged 43% from the prior year, signaling strong growth momentum. Expenses of $680K left a modest 13% surplus.

Mission

TO PROVIDE FIRE SUPPRESSION, RESCUE & EMERGENCY & TO PROVIDE PROTECTION OF PERSONS AND PROPERTY FROM INJURY, LOSS, DAMAGE & DESTRUCTION BY FIRE AND OTHER EMERGENCIES

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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 $775,334

Program Service Revenue $0

Investment Income $6,555

Other Revenue $0

TOTAL REVENUE $781,889

Expense Breakdown

Grants Paid $0

Salaries & Benefits $464,958

Fundraising Expenses $0

Program Expenses $679,597

Other Expenses $214,639

TOTAL EXPENSES $679,597

Year-over-Year Comparison

	2024	2023	Change
Revenue	$781,889	$545,230	+0.4%
Expenses	$679,597	$580,879	+0.2%
Net Income	$102,292	$-35,649	-3.9%

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

Employees

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

$5,188

Total Directors

Key Employees

$84,675

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Michael Hoover	Board Chairman	1.00	Officer	$0	$0	$0
Chad Belcher	Vice Chairman	5.50	Officer	$0	$0	$0
Mack Wilson	Director	1.00	Director	$0	$0	$0
Wayne Beatty	Director	1.00	Director	$0	$0	$0
David Toomey	Fire Chief	56.00	Key Emp	$84,675	$0	$84,675
Christina McMahon	Secretary/Treasurer	1.00	Officer	$550	$0	$550
Rick Jennings	Director	1.00	Director	$0	$0	$0
Robert Westbrook	Director	1.00	Director	$0	$0	$0
LISA OSBORNE	SECRETARY/TREASURER	2.00	Officer	$4,638	$0	$4,638
Jimmy Cathey	Director	1.00	Director	$0	$0	$0
Bill Zonin	Director	1.00	Director	$0	$0	$0
Susie Phillips	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	$781,889	$679,597	$779,696	$102,292
2024	$545,230	$580,879	$725,286	$-35,649
2023	$534,172	$448,864	$797,536	$85,308
2022	$422,105	$487,278	$749,914	$-65,173
2021	$674,545	$637,039	$851,243	$37,506
2020	$420,949	$869,606	$847,758	$-448,657
2019	$399,447	$809,709	$1,331,369	$-410,262
2018	$333,323	$1,096,749	$1,877,213	$-763,426

LUCIA RIVERBEND VOLUNTEER FIRE DEPARTMENT INC