East Providence Fire Fighter Beneficial Association

Nonprofit profile at a glance

EIN
056012609
IRS 990 coverage
2011–2025
Forms available
Form 990 2025
Location
Rumford, RI, USA
Phone
4016583800
Rating
81
Verdict
STRONG
Rating confidence
Moderate

Reported finances

Revenue
$593,223
Expenses
$393,366
Assets
$3,492,049
Liabilities
$0

Source: IRS Form 990. Selected filing: tax year 2025. Amounts in USD.

Leadership & pay

4 people listed

Executive titles in this filing

  • Adam Christina (President)
  • Charles Carr (Vice President)

Highest reported compensation

  • Michael Curran (Secretary): $5,766 total reported compensation
  • Thomas Votta (Treasurer): $5,766 total reported compensation
  • Adam Christina (President): $1,442 total reported compensation

Source: IRS Form 990. Selected filing: tax year 2025. Names and roles reflect this filing, not necessarily current officeholders.

Overview

Mission

Voluntary employee benefit association which provides medical benefits on behalf of its fallen members and their spouces.

What it reported doing in 2025

For the purpose of managing health, death, sick and supplemental benefits paid to or on behalf of active and retired fire fighters and their families.

Operating model

Revenue model
Earned-program. 88% of the money available for current operations came from fees and other program revenue.
Distribution model
Member-benefit provider. The nonprofit used 84% of its reported program spending for member benefits.

The verdict

STRONG - A large share of available resources goes toward mission work and the filed numbers largely add up. Some filing-based governance responses are negative or unanswered and some filed totals do not add up.

Rating breakdown

  • Financial Efficiency: 89
  • Transparency & Controls: 79
  • Accountability: 63
  • Sustainability: 83
  • Growth: 100

Detailed rating inputs

Financial Efficiency

  • Mission deployment rate: 100%; rating input score 100
  • Program expense ratio: 100%; rating input score 100
  • Fundraising efficiency: Limited

Transparency & Controls

  • Consistency checks: 87.5%; rating input score 88; 3rd percentile among comparable filings
  • Pay-setting controls: Limited
  • Foreign activity oversight: Limited
  • Grant itemization coverage: Limited
  • Major donor itemization: Limited
  • Related-party transparency: Limited

Accountability

  • Independent voting board: 100%; rating input score 100; 64th percentile among comparable filings
  • Governance controls: 1 of 9 controls in place; rating input score 11
    • Conflict-of-interest policy: Fail
    • Whistleblower policy: Fail
    • Document-retention policy: Fail
    • CEO compensation review process: Fail
    • Other executive compensation review process: Fail
    • Form 990 shared with the board: Fail
    • Board meeting minutes documented: Pass
    • Audit committee oversight: Missing
    • Independent financial-statement audit: Fail

Sustainability

  • Operating margin: 33.7%; rating input score 84; 84th percentile among comparable filings
  • Total-asset coverage ratio: 8.88; rating input score 91; 91st percentile among comparable filings
  • Liabilities to assets ratio: 0; rating input score 88; 88th percentile among comparable filings
  • Officer compensation ratio: 3.3%; rating input score 53; 53rd percentile among comparable filings

Growth

  • Program expense growth: 4% per year; rating input score 100; 31st percentile among comparable filings
  • Revenue growth: 8.4% per year; rating input score 100; 55th percentile among comparable filings
  • Asset growth: 8.2% per year; rating input score 100; 49th percentile among comparable filings

Details

  • Where the money goes: 100% of revenue deployed · 100% of spending went to programs
  • Governance: 35 of 4 board members independent · 1 of 9 filing controls reported
  • Programs: 1 filed program accomplishment · $393K in reported program spending
  • Leadership: top reported pay $6K · 4 people listed
  • Consistency: 14 of 15 current checks pass · 1 finding to review
  • Schedules: 1 filed schedules
  • Filing history: 15 filing years from 2011 to 2025
  • Contacts: How to reach this organization
  • Money network: 3 filed money-flow records
  • Grant readiness: Federal tax and exclusion status, award history, and grant-maker relationships.
  • People: Everyone the filings name, and which of them the filings identify by more than a name.

Key Signals

Signals prioritize questions for review. They are not findings of misconduct.

  • High — Accountability: Governance controls: 7 of 8 not reported.
  • Moderate — Transparency & Controls: Independent members within voting members did not reconcile in the filed values.
  • Review — Sustainability: Officer compensation ratio scored 53/100.