NEW JERSEY STATE FIREMENS ASSOCIATION (EIN 226033676) - 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

1924

Legal Domicile

Principal Officer

Thomas Abrahamson

Phone

2013914240

Tax Period

2025-01-01 to 2025-12-31

NEW JERSEY STATE FIREMENS ASSOCIATION, founded in 1924, is a small nonprofit that reported $240K in total revenue in fiscal year 2025. The organization ran a surplus of $39K, a strong 16% operating margin.

Mission

The Montvale Fire Department Relief Association is a financial assistance organization for members under the auspices of the New Jersey State Firemen's Association

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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 $219,516

Program Service Revenue $0

Investment Income $20,545

Other Revenue $0

TOTAL REVENUE $240,061

Expense Breakdown

Grants Paid $154,526

Salaries & Benefits $27,000

Fundraising Expenses $0

Program Expenses $174,316

Other Expenses $7,040

TOTAL EXPENSES $201,316

Year-over-Year Comparison

	2025	2024	Change
Revenue	$240,061	$223,610	+0.1%
Expenses	$201,316	$186,681	+0.1%
Net Income	$38,745	$36,929	+0.0%

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

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

$10,500

Total Directors

$9,000

Key Employees

$7,500

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Michael Sant Anna	Secretary	4	Key Emp	$7,500	$0	$7,500
Jeffrey Ballanco	Treasurer	4	Officer	$5,000	$0	$5,000
Thomas Abrahamson	President	2	Officer	$3,000	$0	$3,000
Bruce Hopper	Vice President	1	Officer	$2,500	$0	$2,500
Michael Cintineo	Trustee	0.5	Director	$1,000	$0	$1,000
Charles Lydon	Trustee	0.5	Director	$1,000	$0	$1,000
Raymond Hutchison	Trustee	0.5	Director	$1,000	$0	$1,000
Geoffrey Gibbons	Representative	0.5	Director	$1,000	$0	$1,000
Craig Miller Sr	Representative	0.5	Director	$1,000	$0	$1,000
Clinton Miller	Representative	0.5	Director	$1,000	$0	$1,000
Rick Alton	Representative	0.5	Director	$1,000	$0	$1,000
Michael Barnes	Representative	0.5	Director	$1,000	$0	$1,000
Craig Miller Jr	Representative	0.5	Director	$1,000	$0	$1,000

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	$240,061	$201,316	$564,250	$38,745
2024	No data	No data	No data	No data

NEW JERSEY STATE FIREMENS ASSOCIATION