FIRST RESPONDER BENEFIT ASSOCIATION (EIN 822795267) - 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

2017

Legal Domicile

Principal Officer

JOSEPH A CALDWELL

Phone

7372275450

Tax Period

2024-01-01 to 2024-12-31

FIRST RESPONDER BENEFIT ASSOCIATION, founded in 2017, is a micro nonprofit in the Public Safety sector that reported $100K in total revenue in fiscal year 2024. Revenue surged 44% from the prior year, signaling strong growth momentum. Expenses of $138K exceeded revenue, resulting in a 38% operating deficit.

Mission

THE FIRST RESPONDER BENEFIT ASSOCIATION PROVIDES EMOTIONAL, FINANCIAL AND OTHER FORMS OF SUPPORT TO THE SURVIVORS OF FIRST RESPONDERS WHO DIE DURING THEIR DUTIES OR EVERYDAY LIVES.

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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 (2024)

Revenue Breakdown

Contributions & Grants $99,715

Program Service Revenue $0

Investment Income $0

Other Revenue $0

TOTAL REVENUE $99,715

Expense Breakdown

Grants Paid $125,000

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $125,203

Other Expenses $12,768

TOTAL EXPENSES $137,768

Year-over-Year Comparison

	2024	2023	Change
Revenue	$99,715	$69,214	+0.4%
Expenses	$137,768	$185,271	-0.3%
Net Income	$-38,053	$-116,057	-0.7%

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

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	Role	Reportable Comp	Other Comp	Total
JOSEPH A CALDWELL	PRESIDENT/TREASURER	Officer Director	$0	$0	$0
JEFFREY A MAGG	VICE PRESIDENT	Officer Director	$0	$0	$0
NATHAN WELLS	DIRECTOR	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	No data	No data	No data	No data
2024	$99,715	$137,768	$34,924	$-38,053
2023	$69,214	$185,271	$66,638	$-116,057
2022	$182,568	$46,630	$182,710	$135,938
2021	$166,792	$171,007	$47,153	$-4,215
2020	$112,987	$70,618	$51,786	$42,369

FIRST RESPONDER BENEFIT ASSOCIATION