NEW JERSEY FINANCIAL SERVICE CENTERS (EIN 222283659) - 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

1979

Legal Domicile

Principal Officer

ALAN UDELL

Phone

2017972678

Tax Period

2025-01-01 to 2025-12-31

NEW JERSEY FINANCIAL SERVICE CENTERS, founded in 1979, is a small nonprofit that reported $205K in total revenue in fiscal year 2025.

Mission

THE NEW JERSEY FINANCIAL SERVICE CENTERS (NJFSC) IS THE STATE ASSOCIATION OF COMMUNITY FINANCIAL SRVICE CENTERS IN NEW JERSEY.

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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 $204,722

Investment Income $0

Other Revenue $0

TOTAL REVENUE $204,722

Expense Breakdown

Grants Paid $0

Salaries & Benefits $48,000

Fundraising Expenses $0

Program Expenses $214,820

Other Expenses $166,820

TOTAL EXPENSES $214,820

Year-over-Year Comparison

	2025	2024	Change
Revenue	$204,722	$212,266	0.0%
Expenses	$214,820	$215,107	0.0%
Net Income	$-10,098	$-2,841	+2.6%

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

N/A

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

$48,000

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
SCOTT K MCCLAIN	Executive Dir.	2.00	Officer	$48,000	$0	$48,000
RICHARD KLIEN	Chairman	2.00	Officer Director	$0	$0	$0
JOSEL FERNANDEZ III	Vice President	2.00	Officer Director	$0	$0	$0
CHARLES K GREEN	Vice President	2.00	Officer Director	$0	$0	$0
ALAN UDELL	Treasurer	2.00	Officer Director	$0	$0	$0
ARTHUR ROTH	Secretary	2.00	Officer Director	$0	$0	$0
MICHAEL J AVALLONE	Director	2.00	Director	$0	$0	$0
MARC JACOBS	Director	2.00	Director	$0	$0	$0
BART LOCKWARD	Director	2.00	Director	$0	$0	$0
RONALD SEAGRAVES	Director	2.00	Director	$0	$0	$0
JOSEPH LOPRESTI	Director	2.00	Director	$0	$0	$0
EDWARD G BEACH	Director	2.00	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
2025	$204,722	$214,820	$17,222	$-10,098
2024	$212,266	$215,107	$27,320	$-2,841
2022	$193,348	$210,300	$30,183	$-16,952
2021	$184,465	$185,459	$47,135	$-994
2020	$196,744	$187,289	$48,129	$9,455
2019	$232,065	$227,820	$38,674	$4,245
2018	$250,342	$257,436	$34,429	$-7,094

NEW JERSEY FINANCIAL SERVICE CENTERS