New Jersey State Firemens Assoc-Avalon (EIN 216016496) - 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

1920

Legal Domicile

Principal Officer

Carman Scarpa

Phone

6099678242

Tax Period

2025-01-01 to 2025-12-31

New Jersey State Firemens Assoc-Avalon, founded in 1920, is a small nonprofit that reported $167K in total revenue in fiscal year 2025. The organization ran a surplus of $41K, a strong 25% operating margin.

Mission

Assist firefighters and their families in times of need

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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 (2025)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $151,281

Investment Income $15,403

Other Revenue $0

TOTAL REVENUE $166,684

Expense Breakdown

Grants Paid $0

Salaries & Benefits $3,500

Fundraising Expenses $0

Program Expenses $121,343

Other Expenses $112,999

TOTAL EXPENSES $125,499

Year-over-Year Comparison

	2025	2024	Change
Revenue	$166,684	$155,748	+0.1%
Expenses	$125,499	$126,976	0.0%
Net Income	$41,185	$28,772	+0.4%

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

$2,300

Total Directors

$1,200

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Robert Ferguson	President	1.00	Officer	$0	$150	$150
Kevin Scarpa	Vice President	1.00	Officer	$0	$150	$150
Paul Short	Secretary	3.00	Officer	$0	$1,000	$1,000
Carman Scarpa	Treasurer	3.00	Officer	$0	$1,000	$1,000
Joesph Breslin	Representative	1.00	Director	$0	$150	$150
Richard Dean	Representative	1.00	Director	$0	$150	$150
William Ohara	Trustee	1.50	Director	$0	$300	$300
David Torroni	Trustee	1.50	Director	$0	$300	$300
Ernest Blood	Trustee	1.50	Director	$0	$300	$300

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	$166,684	$125,499	$888,384	$41,185
2024	$155,748	$126,976	$847,199	$28,772
2023	$127,521	$109,680	$818,427	$17,841
2022	$124,085	$89,419	$800,586	$34,666
2021	$107,072	$115,302	$766,920	$-8,230
2020	$152,808	$115,401	$775,148	$37,407

New Jersey State Firemens Assoc-Avalon