NORTH CENTRAL JERSEY ASSOCIATION O… - Form 990 Financial Data

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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

2003

Legal Domicile

Principal Officer

MARY CANO

Phone

9734250110

Tax Period

2023-01-01 to 2023-12-31

NORTH CENTRAL JERSEY ASSOCIATION OF REALTORS INC, founded in 2003, is a community nonprofit in the Community Improvement sector that reported $3.9M in total revenue in fiscal year 2023. Revenue grew 10% year-over-year, indicating healthy expansion. The organization ran a surplus of $728K, a strong 19% operating margin.

Mission

TO OFFER EDUCATION TO ITS MEMBERS AS IT PERTAINS TO REAL ESTATE AND OTHER VARIOUS ISSUES

Program Service Accomplishments

Program 1

TO OFFER CONTINUING EDUCATION TO ITS MEMBERS RELATING TO REAL ESTATE AND RELATED ISSUES.

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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 (2023)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $3,237,077

Investment Income $223,749

Other Revenue $426,903

TOTAL REVENUE $3,887,729

Expense Breakdown

Grants Paid $0

Salaries & Benefits $1,575,895

Fundraising Expenses $0

Other Expenses $1,583,917

TOTAL EXPENSES $3,159,812

Year-over-Year Comparison

	2023	2022	Change
Revenue	$3,887,729	$3,533,283	+0.1%
Expenses	$3,159,812	$3,093,365	+0.0%
Net Income	$727,917	$439,918	+0.7%

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

$203,640

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
CHRISTOPHER COCCIA	PRESIDENT	5.00	Director	$0	$0	$0
CAROLYN BARDACH	TREASURER	5.00	Director	$0	$0	$0
MELISSA FLORANCE LYNCH	SECRETARY	5.00	Director	$0	$0	$0
NATALIE LENTINI	TRUSTEE	5.00	Director	$0	$0	$0
JUDITH MIZZONE	TRUSTEE	5.00	Director	$0	$0	$0
CAROL TANGORRA	TRUSTEE	5.00	Director	$0	$0	$0
LYNNE MORTIMER	TRUSTEE	5.00	Director	$0	$0	$0
TEZETA RORO	TRUSTEE	5.00	Director	$0	$0	$0
VALERIA MARIN	TRUSTEE	5.00	Director	$0	$0	$0
TODD SEWARD	TRUSTEE	5.00	Director	$0	$0	$0
ANGELA SICOLI	DIRECTOR	5.00	Director	$0	$0	$0
WILLIAM HANLEY	DIRECTOR	5.00	Director	$0	$0	$0
JOHN DINIZIO	DIRECTOR	5.00	Director	$0	$0	$0
JEFFREY JONES	DIRECTOR	5.00	Director	$0	$0	$0
DEBBY FLOWER	DIRECTOR	5.00	Director	$0	$0	$0
MARY CANO	EXEC DIRECTO	50.00	Officer	$203,640	$0	$203,640

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	No data	No data	No data	No data
2023	$3,887,729	$3,159,812	$7,603,067	$727,917
2022	$3,533,283	$3,093,365	$7,032,334	$439,918
2021	$3,589,162	$2,676,669	$6,876,016	$912,493
2020	$3,162,617	$2,563,142	$5,820,277	$599,475
2019	$2,549,974	$2,596,662	$5,002,172	$-46,688
2018	$2,360,340	$2,055,846	$3,598,503	$304,494

NORTH CENTRAL JERSEY ASSOCIATION OF REALTORS INC