INTERNATIONAL ASSOCIATION OF FIRE FIGHTERS LOCAL 765 (EIN 591498225) - 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

1970

Legal Domicile

Principal Officer

KEITH COSTA

Phone

9547646665

Tax Period

2025-01-01 to 2025-12-31

INTERNATIONAL ASSOCIATION OF FIRE FIGHTERS LOCAL 765, founded in 1970, is a small nonprofit that reported $682K in total revenue in fiscal year 2025. Revenue grew 9% year-over-year, indicating healthy expansion. Expenses of $590K left a modest 13% surplus.

Mission

THE ORGANIZATION WORKS TO IMPROVE THE WAGES, BENEFITS AND WORKING CONDITIONS OF ITS MEMBERS.

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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 (2025)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $628,630

Investment Income $53,382

Other Revenue $0

TOTAL REVENUE $682,012

Expense Breakdown

Grants Paid $500

Salaries & Benefits $152,615

Fundraising Expenses $0

Program Expenses $590,408

Other Expenses $437,093

TOTAL EXPENSES $590,208

Year-over-Year Comparison

	2025	2024	Change
Revenue	$682,012	$624,135	+0.1%
Expenses	$590,208	$532,239	+0.1%
Net Income	$91,804	$91,896	0.0%

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

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

$149,260

Total Directors

$149,960

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
KEITH COSTA	PRESIDENT	20.00	Officer Director	$29,880	$2,000	$31,880
GREG JONES	SECRETARY	10.00	Officer Director	$23,647	$1,750	$25,397
JAMES CHIOFFE	VICE PRESIDE	20.00	Officer Director	$23,587	$1,750	$25,337
RYAN M ZAUNER	TREASURER	20.00	Officer Director	$23,587	$1,750	$25,337
RYAN KENNEY	C-SHIFT REP	10.00	Officer Director	$7,697	$700	$8,397
ROBERT RICCI	B-SHIFT REP	10.00	Officer Director	$7,697	$700	$8,397
KEN RUDOMINER	BC REP	10.00	Officer Director	$7,697	$700	$8,397
RON TETREAULT	D-SHIFT REP	10.00	Officer Director	$7,697	$700	$8,397
STEVEN FERNANDEZ	A-SHIFT REP	10.00	Officer Director	$7,071	$650	$7,721
JOHN HALL	TRUSTEE	0.00	Director	$0	$700	$700
JOHN BIAS	TRUSTEE	0.00	Director	$0	$0	$0
KRIS LEWIS	TRUSTEE	0.00	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	$682,012	$590,208	$1,016,343	$91,804
2024	No data	No data	No data	No data
2023	$532,483	$558,990	$828,982	$-26,507
2022	$522,545	$469,509	$883,388	$53,036
2021	$590,439	$415,023	$830,353	$175,416
2020	$652,779	$492,908	$773,907	$159,871
2019	$449,869	$432,261	$614,032	$17,608
2018	$449,057	$448,050	$524,904	$1,007

INTERNATIONAL ASSOCIATION OF FIRE FIGHTERS LOCAL 765