JERSEY CITY POBA CIVIC ASSOC INC (EIN 113754436) - 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

1998

Legal Domicile

Principal Officer

CARMINE DISBROW-PRES

Phone

2019633484

Tax Period

2019-10-01 to 2020-09-30

JERSEY CITY POBA CIVIC ASSOC INC, founded in 1998, is a micro nonprofit in the Human Services sector that reported $70K in total revenue in fiscal year 2019. Revenue fell 34% from the prior year — a significant decline worth monitoring. The organization ran a surplus of $26K, a strong 37% operating margin.

Mission

TO BENEFIT OTHER WORTHY ORGANIZATIONS OR INDIVIDUALS FROM BOTH CHARITABLE FINANCIAL ASSISTANCE AND DONATIONS OF MEMBERS' TIME AND EFFORT, REGARDLESS OF RACE, RELIGION OR SEX.

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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 (2019)

Revenue Breakdown

Contributions & Grants $69,972

Program Service Revenue $0

Investment Income $0

Other Revenue $0

TOTAL REVENUE $69,972

Expense Breakdown

Grants Paid $11,337

Salaries & Benefits $0

Fundraising Expenses $456

Program Expenses $43,371

Other Expenses $32,490

TOTAL EXPENSES $43,827

Year-over-Year Comparison

	2019	2018	Change
Revenue	$69,972	$106,694	-0.3%
Expenses	$43,827	$57,454	-0.2%
Net Income	$26,145	$49,240	-0.5%

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

$6,700

Total Directors

$6,700

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
CARMINE DISBROW	CHAIRMAN	5.00	Officer Director	$0	$0	$4,000
VINCENT DISBROW	CO-CHAIRMAN	5.00	Officer Director	$0	$0	$1,800
BRIAN MILLER	TREASURER	5.00	Officer Director	$0	$0	$900
ALEX RIVERA	CO-CHAIRMAN	5.00	Officer Director	$0	$0	$0
MELISSA HACKETT	RECORDING SECRETARY	5.00	Officer Director	$0	$0	$0
MARYGAIL NOVRIT	FINANCIAL SECRETARY	5.00	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
2020	$69,972	$43,827	$1,110,767	$26,145

JERSEY CITY POBA CIVIC ASSOC INC