LOAD VOLUNTEER FIRE DEPARTMENT INC

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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

1978

Legal Domicile

Principal Officer

Adam Rhoden

Phone

6066941799

Tax Period

2024-07-01 to 2025-06-30

LOAD VOLUNTEER FIRE DEPARTMENT INC, founded in 1978, is a micro nonprofit in the Public Safety sector that reported $79K in total revenue in fiscal year 2024. Revenue fell 41% from the prior year — a significant decline worth monitoring. The organization ran a surplus of $13K, a strong 17% operating margin.

Mission

Fire Protection, prevention and education.

Program Service Accomplishments

Program 1

Expenses: $57,774 Revenue: $76,275

Volunteer fire department providing fire protection, prevention, education and rescue services to rural Greenup County Kentucky including all expenses related to equipment, maintenance and...

Volunteer fire department providing fire protection, prevention, education and rescue services to rural Greenup County Kentucky including all expenses related to equipment, maintenance and dispatching 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 (2024)

Revenue Breakdown

Contributions & Grants $1,283

Program Service Revenue $76,275

Investment Income $1,295

Other Revenue $375

TOTAL REVENUE $79,228

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $57,774

Other Expenses $65,860

TOTAL EXPENSES $65,860

Year-over-Year Comparison

	2024	2023	Change
Revenue	$79,228	$133,835	-0.4%
Expenses	$65,860	$82,563	-0.2%
Net Income	$13,368	$51,272	-0.7%

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	Reportable Comp	Other Comp	Total
Gerald Johnson	Chairman	N/A	$0	$0	$0
Kevin Black	Trustee	N/A	$0	$0	$0
Adam Rhoden	Treasurer	N/A	$0	$0	$0
Carrie Black	Secretary	N/A	$0	$0	$0
Gary Claxon	Trustee	N/A	$0	$0	$0
Carl Bays	Trustee	N/A	$0	$0	$0
Tony Watters	Trustee	N/A	$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	$79,228	$65,860	$538,226	$13,368
2024	$133,835	$82,563	$524,858	$51,272