MORRIS COUNTY NJ USBC

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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

2018

Legal Domicile

Principal Officer

CAROL CHADWICK

Phone

9732881764

Tax Period

2024-08-01 to 2025-07-31

MORRIS COUNTY NJ USBC, founded in 2018, is a small nonprofit in the Recreation & Sports sector that reported $135K in total revenue in fiscal year 2024.

Mission

PROMOTE BOWLING AND RUN TOURNAMENTS FOR OUR MEMBERS

Program Service Accomplishments

Program 1

Expenses: $54,139 Revenue: $50,294

ANNUAL CHAMPION TOURNAMENTS, OPEN, WOMEN'S AND YOUTH TOURNAMENT

Program 2

Expenses: $12,027 Revenue: $8,198

YOUTH ROLL OFF TOURNAMENT, BVL CHARITY TOURNAMENT AND YOUTH SCHOLARSHIPS

Program 3

Expenses: $692 Revenue: $601

AWARDS PROGRAM FOR MEMBERS, HALL OF FAME AND YOUTH BANQUET

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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 $134,594

Investment Income $0

Other Revenue $0

TOTAL REVENUE $134,594

Expense Breakdown

Grants Paid $0

Salaries & Benefits $11,480

Fundraising Expenses $0

Program Expenses $129,361

Other Expenses $130,843

TOTAL EXPENSES $142,323

Year-over-Year Comparison

	2024	2023	Change
Revenue	$134,594	$140,226	0.0%
Expenses	$142,323	$134,484	+0.1%
Net Income	$-7,729	$5,742	-2.3%

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

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
CAROL CHADWICK	PRESIDENT	2.00	Officer Director	$0	$0	$0
ARNOLD COSLIT	1ST VP	2.00	Officer Director	$0	$0	$0
JIM TESTA	2ND VP	2.00	Officer Director	$0	$0	$0
DEBORAH ARMENO	DIRECTOR	10.00	Director	$0	$0	$0
JOYCE BROKLING	DIRECTOR	1.00	Director	$0	$0	$0
NAOMI ESTRIN	DIRECTOR	1.00	Director	$0	$0	$0
DAVID RAGUCCI	DIRECTOR	1.00	Director	$0	$0	$0
CAROL SCHEU	DIRECTOR	1.00	Director	$0	$0	$0
NIDIA HANEVELD	DIRECTOR	1.00	Director	$0	$0	$0
STEPHAN SZARDENINGS	DIRECTOR	1.00	Director	$0	$0	$0
ALLEN MONICA	DIRECTOR	1.00	Director	$0	$0	$0
EVONTE DICKERSON SR	DIRECTOR	1.00	Director	$0	$0	$0
JENNA HENDERSON	DIRECTOR	1.00	Director	$0	$0	$0
VIRGINA HELLER	DIRECTOR	1.00	Director	$0	$0	$0
MEL SULLIVAN	DIRECTOR	1.00	Director	$0	$0	$0
CHARLENE JOHNSON	DIRECTOR	1.00	Director	$0	$0	$0
CATHY MIODUSZEWSKI	DIRECTOR	1.00	Director	$0	$0	$0
ELAINE WILSON	DIRECTOR	1.00	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
2025	$134,594	$142,323	$82,072	$-7,729
2024	$140,226	$134,484	$89,801	$5,742