South Bend Volunteer Fire & Rescue

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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

1993

Legal Domicile

Principal Officer

Matt Robinson

Phone

5014128055

Tax Period

2025-01-01 to 2025-12-31

South Bend Volunteer Fire & Rescue, founded in 1993, is a small nonprofit that reported $145K in total revenue in fiscal year 2025. Revenue decreased 13% compared to the prior year. Expenses of $184K exceeded revenue, resulting in a 27% operating deficit.

Mission

Fire Protection & Rescue

Program Service Accomplishments

Program 1

Expenses: $125,634 Revenue: $140,712

The fire unit has 3 stations from which we operate. We serve approximately 6,000 residents and business establishments which includes approx. 70 sq miles.

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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 $2,900

Program Service Revenue $140,712

Investment Income $1,112

Other Revenue $0

TOTAL REVENUE $144,724

Expense Breakdown

Grants Paid $0

Salaries & Benefits $972

Fundraising Expenses $0

Program Expenses $125,634

Other Expenses $183,483

TOTAL EXPENSES $184,455

Year-over-Year Comparison

	2025	2024	Change
Revenue	$144,724	$166,311	-0.1%
Expenses	$184,455	$159,502	+0.2%
Net Income	$-39,731	$6,809	-6.8%

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
Jim Medlin	Commissioner	8	Director	$0	$0	$0
Patricia Main	Commissioner	8	Director	$0	$0	$0
Tony Southerland	Commissioner	8	Director	$0	$0	$0
Matt Robinson	Chairman	8	Officer	$0	$0	$0
Kenny Fraley	Secretary	8	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	$144,724	$184,455	$350,586	$-39,731
2024	$166,311	$159,502	$395,412	$6,809
2022	$256,147	$180,538	$390,833	$75,609
2020	$130,226	$119,557	$237,809	$10,669
2019	$116,281	$127,062	$233,952	$-10,781
2018	$122,256	$137,429	$250,864	$-15,173