TUSCALOOSA FIREFIGHTERS BENEFIT FND (EIN 630813762) - Form 990 Financial Analysis & Trantor Score

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Tuckman-Chang Vulnerability Assessment

4 risk indicators measuring financial stability and operational resilience

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Financial Trends

Organization Details

Formation Year

1981

Legal Domicile

Principal Officer

TANNER SUMMERLIN

Phone

2053616901

Tax Period

2024-06-01 to 2025-05-31

TUSCALOOSA FIREFIGHTERS BENEFIT FND, founded in 1981, is a small nonprofit that reported $115K in total revenue in fiscal year 2018. Revenue surged 44% from the prior year, signaling strong growth momentum. The organization ran a surplus of $57K, a strong 50% operating margin.

Mission

PROVIDE BENEFITS TO MEMBERS INCLUDING SICK PAY, DEATH BENEFITS AND REIMBURSEMENTS FOR CERTAIN OUT OF POCKET MEDICAL EXPENSES. THE FUND HAS APPROXIMATELY 200 MEMBERS.

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Trantor Score

Financial Health & Payment Capacity Assessment (FICO Scale: 300–850)

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Liquidity (40%) • Solvency (30%) • Sustainability (20%) • Efficiency (10%)

Financial Overview (2024)

Revenue Breakdown

Contributions & Grants $29,732

Program Service Revenue $0

Investment Income $70,651

Other Revenue $0

TOTAL REVENUE $100,383

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Other Expenses $53,624

TOTAL EXPENSES $53,624

Year-over-Year Comparison

	2024	2023	Change
Revenue	$100,383	$92,893	+0.1%
Expenses	$53,624	$55,644	0.0%
Net Income	$46,759	$37,249	+0.3%

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
LUCAS MILLER	TREASURER	2.00	Officer	$0	$0	$0
JAMES RAY	VICE PRESIDE	2.00	Officer	$0	$0	$0
TANNER SUMMERLIN	PRESIDENT	2.00	Officer	$0	$0	$0
BILLY WHARTON	SECRETARY	2.00	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
2025	$100,383	$53,624	$1,298,531	$46,759
2024	$92,893	$55,644	$1,211,752	$37,249
2023	$95,949	$68,190	$1,065,492	$27,759
2022	$44,431	$47,783	$1,101,654	$-3,352
2021	$351,969	$35,803	$1,311,663	$316,166
2020	$84,344	$47,188	$995,610	$37,156
2019	$114,745	$57,304	$958,454	$57,441

TUSCALOOSA FIREFIGHTERS BENEFIT FND