Musconetcong Valley Community Association (EIN 223373691) - 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

1997

Legal Domicile

Principal Officer

Charles Richard Kamin

Phone

9088526671

Tax Period

2024-09-01 to 2025-08-31

Musconetcong Valley Community Association, founded in 1997, is a small nonprofit in the Community Improvement sector that reported $746K in total revenue in fiscal year 2024. Expenses of $720K left a modest 3% surplus.

Mission

MCVA addresses the needs of the residents of the Morris/Warren County-Musconetcong Valley area by promoting a wholesome social environment

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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 $5,250

Program Service Revenue $736,071

Investment Income $4,321

Other Revenue $0

TOTAL REVENUE $745,642

Expense Breakdown

Grants Paid $55,250

Salaries & Benefits $372,004

Fundraising Expenses $0

Program Expenses $593,080

Other Expenses $292,694

TOTAL EXPENSES $719,948

Year-over-Year Comparison

	2024	2023	Change
Revenue	$745,642	$695,964	+0.1%
Expenses	$719,948	$334,959	+1.1%
Net Income	$25,694	$361,005	-0.9%

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

Volunteers

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
Richard Kamin	President	2.00	Officer Director	$0	$0	$0
Walter Cullen	Vice-President	2.00	Officer Director	$0	$0	$0
Dawn Riley	Secretary	2.00	Director	$0	$0	$0
Matt Murello	Member	2.00	Director	$0	$0	$0
Craig Heard	Member	2.00	Director	$0	$0	$0
Donald Hill	Member	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	$745,642	$719,948	$545,552	$25,694
2024	No data	No data	No data	No data
2023	$731,694	$590,899	$392,193	$140,795
2022	$599,697	$475,801	$294,851	$123,896
2021	$388,308	$324,953	$165,648	$63,355
2020	$231,786	$252,691	$45,845	$-20,905
2019	$345,912	$351,439	$147,326	$-5,527
2018	$319,144	$323,959	$126,558	$-4,815

Musconetcong Valley Community Association