Morning Star Fire Protection Assoc (EIN 710556471) - 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

2000

Legal Domicile

Principal Officer

Loyd Hutzel

Phone

5012625552

Tax Period

2024-10-01 to 2025-09-30

Morning Star Fire Protection Assoc, founded in 2000, is a small nonprofit that reported $356K in total revenue in fiscal year 2018. Revenue surged 46% from the prior year, signaling strong growth momentum. The organization ran a surplus of $111K, a strong 31% operating margin.

Mission

Fire protection for Members and Emergency services for the community

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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 $467,691

Program Service Revenue $3,390

Investment Income $0

Other Revenue $0

TOTAL REVENUE $471,081

Expense Breakdown

Grants Paid $0

Salaries & Benefits $89,973

Fundraising Expenses $0

Program Expenses $580,447

Other Expenses $490,474

TOTAL EXPENSES $580,447

Year-over-Year Comparison

	2024	2023	Change
Revenue	$471,081	$952,086	-0.5%
Expenses	$580,447	$1,166,060	-0.5%
Net Income	$-109,366	$-213,974	-0.5%

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
Loyd Hutzel	Fire Chief	40.00	Officer Key Emp	$0	$0	$0
Mark McFarland	Board President	1.00	Officer	$0	$0	$0
Chris Golbek	Office Assitant	25.00	Key Emp	$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	$471,081	$580,447	$544,568	$-109,366
2024	$952,086	$1,166,060	$653,934	$-213,974
2023	$487,446	$471,724	$867,908	$15,722
2022	$454,462	$467,288	$852,186	$-12,826
2021	$475,539	$400,667	$865,012	$74,872
2020	$438,497	$357,165	$790,140	$81,332
2019	$356,089	$244,929	$727,897	$111,160

Morning Star Fire Protection Assoc