CENTRAL COUNTY FIREFIGHTERS FUND (EIN 941657348) - 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

2004

Legal Domicile

Principal Officer

Lukas Kirby

Phone

6505445744

Tax Period

2025-01-01 to 2025-12-31

CENTRAL COUNTY FIREFIGHTERS FUND, founded in 2004, is a micro nonprofit that reported $67K in total revenue in fiscal year 2025. Revenue fell 42% from the prior year — a significant decline worth monitoring. The organization ran a surplus of $22K, a strong 32% operating margin.

Mission

To provide life and disability insurance for firefighters in the cities of Burlingame, Millbrae and Hillsborough for approximately 9 active and retired members

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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 $0

Program Service Revenue $47,410

Investment Income $19,743

Other Revenue $0

TOTAL REVENUE $67,153

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $0

Other Expenses $10,058

TOTAL EXPENSES $45,632

Year-over-Year Comparison

	2025	2024	Change
Revenue	$67,153	$115,306	-0.4%
Expenses	$45,632	$49,145	-0.1%
Net Income	$21,521	$66,161	-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	Hours/Week	Role	Reportable Comp	Other Comp	Total
Casey Pera	President	1	Officer Director	$0	$0	$0
Ken Giacotto	Vice President	1	Officer Director	$0	$0	$0
Lukas Kirby	Treasurer	1	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
2025	$67,153	$45,632	$498,297	$21,521
2024	$115,306	$49,145	$476,776	$66,161
2023	$62,200	$46,999	$410,615	$15,201
2022	$65,623	$48,709	$395,414	$16,914

CENTRAL COUNTY FIREFIGHTERS FUND