NEW JERSEY BLIND CITIZENS ASSOC (EIN 210689538) - 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

Principal Officer

PILAR CURVY

Phone

7322910878

Tax Period

2024-01-01 to 2024-12-31

NEW JERSEY BLIND CITIZENS ASSOC is a small nonprofit that reported $121K in total revenue in fiscal year 2024. Revenue fell 24% from the prior year — a significant decline worth monitoring. Expenses of $198K exceeded revenue, resulting in a 63% operating deficit.

Mission

TO ENHANCE THE QUALITY OF LIFE FOR THE BLIND AND VISUALLY IMPAIRED THROUGH EDUCATION, SOCIALIZATION AND FOSTERING AND ENVIRONMENT OF HOPE AND PURPOSE.

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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 $85,599

Program Service Revenue $0

Investment Income $3,676

Other Revenue $32,102

TOTAL REVENUE $121,377

Expense Breakdown

Grants Paid $0

Salaries & Benefits $109,282

Fundraising Expenses $0

Program Expenses $74,432

Other Expenses $88,875

TOTAL EXPENSES $198,157

Year-over-Year Comparison

	2024	2023	Change
Revenue	$121,377	$158,678	-0.2%
Expenses	$198,157	$244,027	-0.2%
Net Income	$-76,780	$-85,349	-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

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

Total Directors

$55,000

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
SARAH THOMA	EXECUTIVE DI	40.00	Director	$55,000	$0	$55,000
ELLEN BOLLINGER	TRUSTEE	5.00	Director	$0	$0	$0
DORIS DALFONZO	TRUSTEE	5.00	Director	$0	$0	$0
T CRAIG FINNEGAN	TRUSTEE	5.00	Director	$0	$0	$0
SHERILYN PRZELOMSKI	TRUSTEE	5.00	Director	$0	$0	$0
GEORGE RAMOS-CURVY	TRUSTEE	5.00	Director	$0	$0	$0
PILAR CURVY	PRESIDENT	5.00	Officer	$0	$0	$0
RENEE DEMAN	SECRETARY	5.00	Officer	$0	$0	$0
DANIEL VELEZ	TREASURER	5.00	Officer	$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
2024	$121,377	$198,157	$127,847	$-76,780
2023	$158,678	$244,027	$196,683	$-85,349
2022	$103,217	$213,104	$247,734	$-109,887
2021	$61,782	$121,886	$376,732	$-60,104
2020	$40,852	$106,974	$446,775	$-66,122
2019	$159,613	$133,302	$509,840	$26,311
2018	$117,687	$135,261	$466,409	$-17,574

NEW JERSEY BLIND CITIZENS ASSOC