New Jersey State Firemens Assoc-Carlstadt (EIN 226034062) - 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

1885

Legal Domicile

Principal Officer

Lawrence D Wood

Phone

2019338561

Tax Period

2025-01-01 to 2025-12-31

New Jersey State Firemens Assoc-Carlstadt, founded in 1885, is a small nonprofit that reported $237K in total revenue in fiscal year 2025. The organization ran a surplus of $69K, a strong 29% operating margin.

Mission

Assist firefighters and their families in times of need.

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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 $191,649

Investment Income $45,717

Other Revenue $0

TOTAL REVENUE $237,366

Expense Breakdown

Grants Paid $0

Salaries & Benefits $18,900

Fundraising Expenses $0

Program Expenses $148,860

Other Expenses $149,190

TOTAL EXPENSES $168,090

Year-over-Year Comparison

	2025	2024	Change
Revenue	$237,366	$244,490	0.0%
Expenses	$168,090	$158,549	+0.1%
Net Income	$69,276	$85,941	-0.2%

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

120

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

$18,400

Total Directors

$500

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Richard Foy	President	2.50	Officer	$0	$3,000	$3,000
Edward Majowicz	Vice President	1.50	Officer	$0	$2,200	$2,200
Kenneth Schwarz	Secretary	3.50	Officer	$0	$6,600	$6,600
Lawrence Wood	Treasurer	3.50	Officer	$0	$6,600	$6,600
Dennis Kronyak	Representative	1.00	Director	$0	$250	$250
David Stoltz	Trustee	1.00	Director	$0	$250	$250

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	$237,366	$168,090	$1,291,225	$69,276
2024	$110,256	$24,315	$1,203,049	$85,941
2023	$189,216	$106,716	$1,117,108	$82,500
2022	$143,314	$97,428	$1,034,608	$45,886
2021	$112,204	$82,630	$988,722	$29,574
2020	$90,970	$62,617	$959,148	$28,353

New Jersey State Firemens Assoc-Carlstadt