ST JOSEPH VOLUNTEER FIRE DEPARTMENT RELIEF ASSOCIATION

EIN: 731698353 Mutual Benefit

ST JOSEPH, MN

Total Revenue
$296,846
Total Expenses
$92,027
Total Assets
$1,754,379
Net Assets
$1,754,379
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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
MN
Principal Officer
JOE BYE
Phone
3203637201
Tax Period
2025-01-01 to 2025-12-31

ST JOSEPH VOLUNTEER FIRE DEPARTMENT RELIEF ASSOCIATION, founded in 1949, is a small nonprofit in the Mutual Benefit sector that reported $297K in total revenue in fiscal year 2025. Revenue surged 85% from the prior year, signaling strong growth momentum. The organization ran a surplus of $205K, a strong 69% operating margin.

Mission

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

Program Service Accomplishments

Program 1
Expenses: $44,925

THE ST. JOSEPH VOLUNTEER FIRE DEPARTMENT RELIEF ASSOCATION PROVIDES SERVICE PENSION BENEFITS, DISABILITY BENEFITS AND SURVIVOR BENEFITS TO QUALIFIED MEMBERS OF THE ST. JOSEPH VOLUNTEER FIRE...

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THE ST. JOSEPH VOLUNTEER FIRE DEPARTMENT RELIEF ASSOCATION PROVIDES SERVICE PENSION BENEFITS, DISABILITY BENEFITS AND SURVIVOR BENEFITS TO QUALIFIED MEMBERS OF THE ST. JOSEPH VOLUNTEER FIRE DEPARTMENT. DURING THE YEAR, THERE WERE 27 ACTIVE MEMBERS AND 6 INACTIVE MEMBERS WHO ARE DEFERRED.

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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%)

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Financial Overview (2025)

Revenue Breakdown

Contributions & Grants $151,802
Program Service Revenue $0
Investment Income $131,502
Other Revenue $13,542
TOTAL REVENUE $296,846

Expense Breakdown

Grants Paid $0
Salaries & Benefits $1,400
Fundraising Expenses $0
Program Expenses $44,925
Other Expenses $45,702
TOTAL EXPENSES $92,027

Year-over-Year Comparison

2025 2024 Change
Revenue $296,846 $160,570 +0.8%
Expenses $92,027 $77,227 +0.2%
Net Income $204,819 $83,343 +1.5%
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

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Governance

Voting Members
5
Independent Members
5
Employees
N/A
Volunteers
27

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
4
$1,400
Total Directors
5
$1,400
Key Employees
0
$0
Highest Compensated
0
reported
Name Title Hours/Week Role Reportable Comp Other Comp Total
KEITH LOUWAGIE PRESIDENT 1.00
Officer Director
$200 $0 $200
JOE BYE TREASURER 1.00
Officer Director
$800 $0 $800
ANDREW MOONEY SECRETARY 1.00
Officer Director
$200 $0 $200
DAN VOIGT VICE PRESIDENT 1.00
Officer Director
$200 $0 $200
JEFF TAUFEN FIRE CHIEF 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
2025 $296,846 $92,027 $1,754,379 $204,819
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
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