CALIFORNIA PROFESSIONAL FIREFIGHTERS INSURANCE TRUST (EIN 956293393) - 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

1972

Legal Domicile

Principal Officer

Scott Austin

Phone

5594219131

Tax Period

2024-07-01 to 2025-06-30

CALIFORNIA PROFESSIONAL FIREFIGHTERS INSURANCE TRUST, founded in 1972, is a community nonprofit that reported $2.0M in total revenue in fiscal year 2024. Expenses of $2.2M exceeded revenue, resulting in a 12% operating deficit.

Mission

PROVIDE DENTAL,VISION, LIFE, ACCIDENTAL DEATH AND DISABILTY TO 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 (2024)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $1,930,685

Investment Income $62,504

Other Revenue $0

TOTAL REVENUE $1,993,189

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Other Expenses $695,023

TOTAL EXPENSES $2,228,687

Year-over-Year Comparison

	2024	2023	Change
Revenue	$1,993,189	$2,069,084	0.0%
Expenses	$2,228,687	$2,326,862	0.0%
Net Income	$-235,498	$-257,778	-0.1%

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

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

$8,120

Total Directors

$8,120

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
RICHARD MAYBERRY	Director	2.00	Officer Director	$0	$0	$3,500
SCOTT AUSTIN	Chairman	10.00	Officer Director	$0	$0	$1,680
JOHN BISHOP	Director	2.00	Officer Director	$0	$0	$1,260
MATTHEW OLIPHANT	Director	2.00	Officer Director	$0	$0	$840
CHARLIE MARTINEZ	Director	2.00	Officer Director	$0	$0	$840
JASON CERVANTES	Director	2.00	Officer Director	$0	$0	$0
MIKE MORLAN	Director	2.00	Officer Director	$0	$0	$0
CHRIS SCHAMBER	Vice Chairman	2.00	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
2025	$1,993,189	$2,228,687	$4,099,766	$-235,498
2024	$2,069,084	$2,326,862	$3,578,523	$-257,778
2023	$2,081,558	$2,588,539	$3,376,888	$-506,981
2022	$2,184,665	$2,492,956	$3,536,475	$-308,291
2021	$2,095,957	$2,164,902	$3,948,238	$-68,945
2020	$1,899,811	$1,944,980	$3,617,833	$-45,169
2019	$1,966,110	$2,144,545	$3,361,525	$-178,435
2018	$1,751,826	$2,031,496	$3,584,249	$-279,670

CALIFORNIA PROFESSIONAL FIREFIGHTERS INSURANCE TRUST