SAN RAMON VALLEY FIREFIGHTERS ASSOCIATION (EIN 943188786) - 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

1994

Legal Domicile

Principal Officer

MICHAEL DUGGAN

Phone

9257363546

Tax Period

2024-10-01 to 2025-09-30

SAN RAMON VALLEY FIREFIGHTERS ASSOCIATION, founded in 1994, is a small nonprofit that reported $389K in total revenue in fiscal year 2024.

Mission

LABOR UNION REPRESENTING THE MEMBERS OF THE SAN RAMON VALLEY FIRE DEPARTMENT REGARDING EMPLOYMENT ISSUES.

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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 $385,782

Program Service Revenue $0

Investment Income $3,302

Other Revenue $0

TOTAL REVENUE $389,084

Expense Breakdown

Grants Paid $13,300

Salaries & Benefits $106,477

Fundraising Expenses $0

Program Expenses $425,027

Other Expenses $305,250

TOTAL EXPENSES $425,027

Year-over-Year Comparison

	2024	2023	Change
Revenue	$389,084	$385,881	+0.0%
Expenses	$425,027	$466,581	-0.1%
Net Income	$-35,943	$-80,700	-0.6%

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

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

$67,588

Total Directors

$15,793

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
MICHAEL DUGGAN	President	10.00	Officer	$26,296	$0	$26,296
RICKY LANIOHAN	Treasurer	10.00	Officer	$14,315	$0	$14,315
MICHAEL BUENO	Secretary	10.00	Officer	$14,315	$0	$14,315
KENNETH BORGES	Vice President	10.00	Officer	$12,662	$0	$12,662
DEMIAN BANNISTER	SHOP STEWARD	5.00	Director	$5,567	$0	$5,567
BRANDON CLAY	SHOP STEWARD	5.00	Director	$5,567	$0	$5,567
STEVEN REED	SHOP STEWARD	5.00	Director	$4,659	$0	$4,659

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	$389,084	$425,027	$393,500	$-35,943
2024	$385,881	$466,581	$422,749	$-80,700
2023	$408,675	$410,282	$505,522	$-1,607
2022	$410,907	$340,103	$502,466	$70,804
2021	$398,848	$327,541	$430,897	$71,307
2020	$391,016	$329,566	$367,836	$61,450
2019	$334,289	$289,545	$304,726	$44,744
2018	$319,690	$294,070	$257,345	$25,620

SAN RAMON VALLEY FIREFIGHTERS ASSOCIATION