WINE & LIQUOR SALESMEN OF NEW JERS… - 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

1951

Legal Domicile

Principal Officer

STEPHEN BOORAS

Phone

7183310030

Tax Period

2023-11-01 to 2024-10-31

WINE & LIQUOR SALESMEN OF NEW JERSEY LOC, founded in 1951, is a community nonprofit in the Health Care sector that reported $8.1M in total revenue in fiscal year 2023. Revenue decreased 6% compared to the prior year. Expenses of $7.5M left a modest 7% surplus.

Mission

THE FUND PROVIDES HOSPITAL, SURGICAL, MEDICAL, PRESCRIPTION DRUG AND OPTICAL BENEFITS FOR ELIGIBLE MEMBERS AND THEIR DEPENDENTS.

Program Service Accomplishments

Program 1

TO PROVIDE HEALTH BENEFITS TO 350 ACTIVE MEMBERS AND THEIR DEPENDENTS.

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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 $7,660,459

Investment Income $0

Other Revenue $428,342

TOTAL REVENUE $8,088,801

Expense Breakdown

Grants Paid $0

Salaries & Benefits $66,788

Fundraising Expenses $0

Other Expenses $352,936

TOTAL EXPENSES $7,497,974

Year-over-Year Comparison

	2023	2022	Change
Revenue	$8,088,801	$8,576,577	-0.1%
Expenses	$7,497,974	$8,676,020	-0.1%
Net Income	$590,827	$-99,443	-6.9%

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
STEPHEN T BOORAS	UNION TRUSTEE	1.00	Director	$0	$0	$0
JON MASLIN	EMPLOYER TRUSTEE	1.00	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
2024	$8,088,801	$7,497,974	$679,340	$590,827
2023	$8,576,577	$8,676,020	$144,173	$-99,443
2022	$7,417,615	$7,676,759	$192,177	$-259,144
2021	$7,111,083	$7,157,585	$403,404	$-46,502
2020	$7,279,826	$7,004,813	$373,019	$275,013
2019	$7,677,094	$7,905,435	$116,215	$-228,341
2018	$7,257,462	$8,437,541	$626,317	$-1,180,079

WINE & LIQUOR SALESMEN OF NEW JERSEY LOC