LAREDO FIREFIGHTERS ASSOCIATION LOCAL 872 (EIN 746060963) - 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

1970

Legal Domicile

Principal Officer

GERARDO TOVAR

Phone

9567259362

Tax Period

2025-01-01 to 2025-12-31

LAREDO FIREFIGHTERS ASSOCIATION LOCAL 872, founded in 1970, is a small nonprofit that reported $493K in total revenue in fiscal year 2025. Revenue grew 16% year-over-year, indicating healthy expansion.

Mission

TO INCREASE THE SKILL AND EFFICIENCY OF THE MEMBERS OF THE ASSOCIATION.

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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 $511,976

Program Service Revenue $0

Investment Income $0

Other Revenue $-18,996

TOTAL REVENUE $492,980

Expense Breakdown

Grants Paid $35,575

Salaries & Benefits $123,783

Fundraising Expenses $0

Other Expenses $338,884

TOTAL EXPENSES $498,242

Year-over-Year Comparison

	2025	2024	Change
Revenue	$492,980	$423,623	+0.2%
Expenses	$498,242	$460,194	+0.1%
Net Income	$-5,262	$-36,571	-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

426

Independent Members

N/A

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

$68,000

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
DAVID GONZALEZ	PRESIDENT	40.00	Officer	$30,000	$0	$30,000
JOSE A ALANIS	1ST VICE-PRESIDENT	20.00	Officer	$0	$0	$0
JOHN A DELUNA	TRUSTEE	20.00	Officer	$3,000	$0	$3,000
GERARDO TOVAR	TREASURER	20.00	Officer	$10,800	$0	$10,800
JOHN E FLORES	2ND VICE-PRESIDENT	20.00	Officer	$3,000	$0	$3,000
OSCAR DELGADO	SECRETARY	20.00	Officer	$7,800	$0	$7,800
URIEL MATA	TRUSTEE	20.00	Officer	$3,000	$0	$3,000
JONATHAN PEREZ	TRUSTEE	20.00	Officer	$3,000	$0	$3,000
DANIEL PEREZ	SARGENT AT ARMS	20.00	Officer	$4,400	$0	$4,400
ANTHONY R MANNING	PARLIAMENTARIAN	20.00	Officer	$3,000	$0	$3,000

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	$492,980	$498,242	$586,194	$-5,262
2024	$423,623	$460,194	$597,984	$-36,571
2023	$414,874	$451,002	$640,026	$-36,128
2022	$402,363	$381,107	$682,521	$21,256
2021	$377,501	$366,673	$677,213	$10,828
2020	$406,250	$347,439	$674,039	$58,811
2019	$354,370	$332,434	$623,609	$21,936
2018	$323,670	$355,402	$611,185	$-31,732

LAREDO FIREFIGHTERS ASSOCIATION LOCAL 872