ST JOSEPH VOLUNTEER FIRE DEPARTMENT REL (EIN 731698353) - Form 990 Financial Analysis & Trantor Score

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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

1949

Legal Domicile

Principal Officer

KEITH LOUWAGIE

Phone

3203637201

Tax Period

2023-01-01 to 2023-12-31

ST JOSEPH VOLUNTEER FIRE DEPARTMENT REL, founded in 1949, is a small nonprofit in the Mutual Benefit sector that reported $165K in total revenue in fiscal year 2023. Revenue grew 9% year-over-year, indicating healthy expansion. The organization ran a surplus of $78K, a strong 47% operating margin.

Mission

TO PROVIDE RETIREMENT RELIEF AND OTHER BENEFITS TO ITS MEMBERS AND DEPENDENTS.

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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 (2023)

Revenue Breakdown

Contributions & Grants $88,607

Program Service Revenue $0

Investment Income $55,475

Other Revenue $21,325

TOTAL REVENUE $165,407

Expense Breakdown

Grants Paid $0

Salaries & Benefits $1,300

Fundraising Expenses $0

Program Expenses $47,041

Other Expenses $38,597

TOTAL EXPENSES $86,938

Year-over-Year Comparison

	2023	2022	Change
Revenue	$165,407	$151,251	+0.1%
Expenses	$86,938	$31,507	+1.8%
Net Income	$78,469	$119,744	-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

$1,300

Total Directors

$1,300

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
KEITH LOUWAGIE	PRESIDENT	1.00	Officer Director	$300	$0	$300
MIKE FOLKERTS	TREASURER	1.00	Officer Director	$800	$0	$800
JOE BYE	SECRETARY	1.00	Officer Director	$200	$0	$200
DAN VOIGT	VICE PRESIDENT	1.00	Officer Director	$0	$0	$0
SHIRLIE BRILL	TRUSTEE	1.00	Director	$0	$0	$0
DOMINIC BONACCI	TRUSTEE	1.00	Director	$0	$0	$0
JEFF TAUFEN	FIRE CHIEF	0.00	Director	$0	$0	$0
RICK SCHULTZ	CITY MAYOR	0.00	Director	$0	$0	$0
DAVID MURPHY	CITY ADMINISTRATOR	0.00	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
2024	No data	No data	No data	No data
2023	$165,407	$86,938	$1,239,529	$78,469
2022	$151,251	$31,507	$1,075,859	$119,744
2021	$134,224	$198,244	$1,148,859	$-64,020
2020	$120,734	$24,961	$1,171,730	$95,773
2019	$148,273	$48,326	$997,683	$99,947
2018	$131,691	$29,813	$832,071	$101,878

ST JOSEPH VOLUNTEER FIRE DEPARTMENT REL