BLACK OAK VOLUNTEER FIRE DEPARTMENT INC (EIN 611063232) - 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

1984

Legal Domicile

Principal Officer

Bill Tom Stone

Phone

6067966065

Tax Period

2023-07-01 to 2024-06-30

BLACK OAK VOLUNTEER FIRE DEPARTMENT INC, founded in 1984, is a micro nonprofit in the Public Safety sector that reported $91K in total revenue in fiscal year 2023. Revenue grew 9% year-over-year, indicating healthy expansion. Expenses of $104K exceeded revenue, resulting in a 15% operating deficit.

Mission

To provide fire protection and life saving services.

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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 $13,861

Program Service Revenue $74,489

Investment Income $1

Other Revenue $2,250

TOTAL REVENUE $90,601

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $45,688

Other Expenses $104,478

TOTAL EXPENSES $104,478

Year-over-Year Comparison

	2023	2022	Change
Revenue	$90,601	$82,867	+0.1%
Expenses	$104,478	$118,332	-0.1%
Net Income	$-13,877	$-35,465	-0.6%

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

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
Donald Ruggles	Board Member	1	Director	$0	$0	$0
Bill Tom Stone	Treasurer	1	Officer Director	$0	$0	$0
Ryan Evans	Board Member	1	Director	$0	$0	$0
Frank Clark	Board Member	1	Officer Director	$0	$0	$0
Jenny Applegate	Board Member	1	Director	$0	$0	$0
Jim Evans	Board Member	1	Director	$0	$0	$0
Brady Brewer	Board Member	1	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	No data	No data	No data	No data
2024	$90,601	$104,478	$749,052	$-13,877
2023	$82,867	$118,332	$782,082	$-35,465
2022	$82,591	$123,960	$840,102	$-41,369
2021	$98,262	$102,151	$892,557	$-3,889
2020	$70,088	$81,170	$859,041	$-11,082
2019	$87,340	$94,934	$873,308	$-7,594

BLACK OAK VOLUNTEER FIRE DEPARTMENT INC