STILL WATERS VOLUNTEER FIRE & RESCUE INC (EIN 630936209) - 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

1993

Legal Domicile

Principal Officer

TOM NICHOLSON

Phone

2568250582

Tax Period

2025-01-01 to 2025-12-31

STILL WATERS VOLUNTEER FIRE & RESCU, founded in 1993, is a small nonprofit that reported $316K in total revenue in fiscal year 2018. Revenue surged 81% from the prior year, signaling strong growth momentum. The organization ran a surplus of $156K, a strong 49% operating margin.

Mission

STILL WATERS VOLUNTEER FIRE & RESCUE, INC. PROVIDES FIRE FIGHTING AND RESCUE OPERATIONS TO THE RESIDENTS OF THE GATED COMMUNITY(STILL WATERS) AND THE IMMEDIATE SURROUNDING AREA.

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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 (2025)

Revenue Breakdown

Contributions & Grants $204,597

Program Service Revenue $0

Investment Income $12,972

Other Revenue $0

TOTAL REVENUE $217,569

Expense Breakdown

Grants Paid $0

Salaries & Benefits $29,616

Fundraising Expenses $0

Program Expenses $181,163

Other Expenses $169,389

TOTAL EXPENSES $199,005

Year-over-Year Comparison

	2025	2024	Change
Revenue	$217,569	$199,060	+0.1%
Expenses	$199,005	$197,983	+0.0%
Net Income	$18,564	$1,077	+16.2%

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

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
ADHLEY BUSHONG	DIRECTOR	N/A	Director	$0	$0	$0
MIKE DEAN	DIRECTOR	N/A	Director	$0	$0	$0
KEVIN HALL	DIRECTOR	N/A	Director	$0	$0	$0
PAUL HURLEY	DIRECTOR	N/A	Director	$0	$0	$0
TOM NICHOLSON	VICE PRESIDE	N/A	Officer Director	$0	$0	$0
PERRY SHY	PRESIDENT	N/A	Director	$0	$0	$0
CHERIE STEPHENSON	TREASURER	N/A	Officer 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	$217,569	$199,005	$1,320,687	$18,564
2024	$199,060	$197,983	$1,335,753	$1,077
2023	$216,156	$217,973	$1,403,636	$-1,817
2022	$212,394	$184,042	$1,112,641	$28,352
2021	$217,764	$188,040	$1,084,243	$29,724
2020	$184,525	$159,355	$1,054,210	$25,170
2019	$183,018	$172,860	$1,029,061	$10,158
2018	$315,811	$159,740	$1,019,302	$156,071

STILL WATERS VOLUNTEER FIRE & RESCUE INC