MARBLE FALLS AREA VOLUNTEER FIRE DEPARTMENT INC (EIN 742140563) - 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

1979

Legal Domicile

Principal Officer

CECILIA PHILLIPS

Phone

8306138108

Tax Period

2023-10-01 to 2024-09-30

MARBLE FALLS AREA VOLUNTEER FIRE DEPARTMENT INC, founded in 1979, is a small nonprofit that reported $452K in total revenue in fiscal year 2023. Revenue grew 19% year-over-year, indicating healthy expansion. Expenses of $562K exceeded revenue, resulting in a 24% operating deficit.

Mission

TO PROTECT LIVES AND PROPERTY AGAINST FIRE, MEDICAL EMERGENCIES AND OTHER EMERGENCY SITUATIONS.

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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 $435,240

Program Service Revenue $0

Investment Income $16,575

Other Revenue $0

TOTAL REVENUE $451,815

Expense Breakdown

Grants Paid $0

Salaries & Benefits $148,171

Fundraising Expenses $0

Program Expenses $546,161

Other Expenses $413,575

TOTAL EXPENSES $561,746

Year-over-Year Comparison

	2023	2022	Change
Revenue	$451,815	$381,018	+0.2%
Expenses	$561,746	$437,916	+0.3%
Net Income	$-109,931	$-56,898	+0.9%

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

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
THOMAS JACOBS	PRESIDENT	10.00	Officer Director	$0	$0	$0
KATHERINE BAKER	VICE-PRESIDENT	10.00	Officer Director	$0	$0	$0
CECILIA PHILLIPS	TREASURER	10.00	Officer Director	$0	$0	$0
MITCH GELLER	SECRETARY	10.00	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
2024	$451,815	$561,746	$396,290	$-109,931
2023	$381,018	$437,916	$480,113	$-56,898
2022	$248,897	$320,915	$527,261	$-72,018
2021	$295,774	$296,649	$599,279	$-875
2020	$297,516	$307,209	$600,154	$-9,693
2019	$239,750	$290,020	$609,847	$-50,270
2018	$402,420	$289,002	$660,117	$113,418

MARBLE FALLS AREA VOLUNTEER FIRE DEPARTMENT INC