NEW JERSEY STATE FEDERATION OF WOMENS CLUBS (EIN 221410342) - 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

1914

Legal Domicile

Principal Officer

LINDA CARBLEY

Phone

7322495474

Tax Period

2024-07-01 to 2025-06-30

NEW JERSEY STATE FEDERATION OF WOMENS CLUBS, founded in 1914, is a small nonprofit in the Philanthropy & Grantmaking sector that reported $584K in total revenue in fiscal year 2024. Revenue decreased 13% compared to the prior year. The organization ran a surplus of $132K, a strong 23% operating margin.

Mission

THE NEW JERSEY STATE FEDERATION OF WOMENS CLUBS OF GFWC, PROVIDES OPPORTUNITIES FOR EDUCATION, LEADERSHIP TRAINING, AND COMMUNITY SERVICE THROUGH PARTICIPATION IN LOCAL CLUBS, ENABLING MEMBERS TO MAKE A DIFFERENCE IN THE LIVES OF OTHERS ONE PROJECT AT A TIME.

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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 $401,929

Program Service Revenue $0

Investment Income $38,542

Other Revenue $143,982

TOTAL REVENUE $584,453

Expense Breakdown

Grants Paid $90,860

Salaries & Benefits $52,474

Fundraising Expenses $32,806

Program Expenses $352,178

Other Expenses $308,847

TOTAL EXPENSES $452,181

Year-over-Year Comparison

	2024	2023	Change
Revenue	$584,453	$675,450	-0.1%
Expenses	$452,181	$524,173	-0.1%
Net Income	$132,272	$151,277	-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

Employees

Volunteers

5980

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
LAUREL DOBALO	VICE PRESIDENT	10.00	Officer Director	$0	$0	$0
MARY SCHNEIDER	VICE PRESIDENT	10.00	Officer Director	$0	$0	$0
KAREN JEISI	VICE PRESIDENT	10.00	Officer Director	$0	$0	$0
JANET DROGO	VICE PRESIDENT	10.00	Officer Director	$0	$0	$0
JUNE WITTY	VICE PRESIDENT	10.00	Officer Director	$0	$0	$0
KAREN OSBORNE	VICE PRESIDENT	10.00	Officer Director	$0	$0	$0
CAROLE SPEECHLEY	VICE PRESIDENT	10.00	Officer Director	$0	$0	$0
KATHLEEN REDDICK	DIRECTOR	5.00	Director	$0	$0	$0
ANN RIBINSKY-BROWN	DIRECTOR	5.00	Director	$0	$0	$0
DAWN POGOSAEW	DIRECTOR	5.00	Director	$0	$0	$0
JOAN MURDOCK	DIRECTOR	5.00	Director	$0	$0	$0
DOROTHY BERNICE	DIRECTOR	5.00	Director	$0	$0	$0
KATIE CHAMBERS	DIRECTOR	5.00	Director	$0	$0	$0
MARIE DIMATTIES	DIRECTOR	5.00	Director	$0	$0	$0
SUSAN FOSDICK	DIRECTOR	5.00	Director	$0	$0	$0
SHELLEY ROTHSTEIN	DIRECTOR	5.00	Director	$0	$0	$0
JEAN BATTAGLIA	DIRECTOR	5.00	Director	$0	$0	$0
VIVIEN FINN	DIRECTOR	5.00	Director	$0	$0	$0
CAROLE THOMPSON	DIRECTOR	5.00	Director	$0	$0	$0
TINA REE	DIRECTOR	5.00	Director	$0	$0	$0
CLAIRE J HILL	DIRECTOR	5.00	Director	$0	$0	$0
ELLEN LUND	DIRECTOR	5.00	Director	$0	$0	$0
ADRIENNE FOWLER	DIRECTOR	5.00	Director	$0	$0	$0
RANDI QUILICI	DIRECTOR	5.00	Director	$0	$0	$0
CHERYL FAIRCHILD	DIRECTOR	5.00	Director	$0	$0	$0
LINDA HRYCENKO	DIRECTOR	5.00	Director	$0	$0	$0
JACQUELINE WISNER	DIRECTOR	5.00	Director	$0	$0	$0
APRIL SHOEMAKER	DIRECTOR	5.00	Director	$0	$0	$0
DENISE HOSIER	DIRECTOR	5.00	Director	$0	$0	$0
ROBERTA DYRSTEN	DIRECTOR	5.00	Director	$0	$0	$0
LINDA CARBLEY	TREASURER	25.00	Officer Director	$0	$0	$0
SUSAN A CHAMBERS	PRESIDENT-ELECT	25.00	Officer Director	$0	$0	$0
BARBARA MCCLOSKEY	PRESIDENT	30.00	Officer Director	$0	$0	$0
PATRICIA DAHL	SECOND VICE PRESIDENT	20.00	Officer Director	$0	$0	$0
JEAN REVIS	RECORDING SECRETARY	20.00	Officer Director	$0	$0	$0
NANCY LEVY	CORRESPONDING SECRETARY	10.00	Officer Director	$0	$0	$0
DEBBIE CIBELLI	FINANCIAL SECRETARY	7.00	Officer Director	$0	$0	$0
CHRIS SIENKIELEWSKI	FIRST VICE PRESIDENT	20.00	Officer 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	$584,453	$452,181	$1,026,660	$132,272
2024	No data	No data	No data	No data
2023	$570,241	$632,566	$786,731	$-62,325
2022	$518,960	$540,921	$815,432	$-21,961
2021	$375,969	$373,067	$893,980	$2,902
2020	$474,039	$366,842	$845,240	$107,197
2019	$587,932	$691,212	$811,776	$-103,280
2018	$650,837	$612,876	$909,523	$37,961
2018	$669,341	$633,626	$909,523	$35,715

NEW JERSEY STATE FEDERATION OF WOMENS CLUBS