NEW JERSEY CREDIT UNION LEAGUE (EIN 221152519) - 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

1934

Legal Domicile

Principal Officer

ANDY JAEGER

Phone

6094482426

Tax Period

2020-01-01 to 2020-12-31

Mission

PROVIDE POLITICAL AND CONSUMER ADVOCACY, EDUCATION, AND COMPLIANCE SUPPORT TO OUR MEMBERS.

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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 (2020)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $0

Investment Income $0

Other Revenue $0

TOTAL REVENUE $0

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Other Expenses $0

TOTAL EXPENSES $0

Year-over-Year Comparison

	2020	2019	Change
Revenue	N/A	$1,364,851	-1.0%
Expenses	N/A	$2,488,955	-1.0%
Net Income	N/A	$-1,124,104	N/A

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

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
ERNIE HUGGARD	TREASURER	1.00	Officer Director	$0	$0	$0
DAVID ARDIRE	SECRETARY	1.00	Officer Director	$0	$0	$0
ANDY JAEGER	CHAIRMAN	1.00	Officer Director	$0	$0	$0
LEO ARDINE	VICE CHAIR	1.00	Officer Director	$0	$0	$0
JIM BURNS	DIRECTOR	1.00	Director	$0	$0	$0
STEVE LARDIERE	DIRECTOR	1.00	Director	$0	$0	$0
TRACY SUSSMANN	GOVERNANCE CHAIR	1.00	Officer Director	$0	$0	$0
ANNMARIE SHINN	DIRECTOR	1.00	Director	$0	$0	$0
BOB STEEVES	DIRECTOR	1.00	Director	$0	$0	$0
DAVID FRANKIL	PRESIDENT/CEO	39.00	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
2020	No data	No data	No data	No data
2019	$1,364,851	$2,488,955	$3,213,058	$-1,124,104
2018	$2,216,749	$2,303,329	$4,320,794	$-86,580

NEW JERSEY CREDIT UNION LEAGUE