New Jersey State Firemens Assoc-Belleville (EIN 226042650) - 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

1923

Legal Domicile

Principal Officer

William V Hands

Phone

9086018406

Tax Period

2025-01-01 to 2025-12-31

New Jersey State Firemens Assoc-Belleville, founded in 1923, is a small nonprofit that reported $228K in total revenue in fiscal year 2025. Revenue grew 18% year-over-year, indicating healthy expansion. The organization ran a surplus of $37K, a strong 16% 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 $207,360

Investment Income $20,552

Other Revenue $63

TOTAL REVENUE $227,975

Expense Breakdown

Grants Paid $0

Salaries & Benefits $33,500

Fundraising Expenses $0

Program Expenses $156,977

Other Expenses $152,758

TOTAL EXPENSES $190,508

Year-over-Year Comparison

	2025	2024	Change
Revenue	$227,975	$194,005	+0.2%
Expenses	$190,508	$180,435	+0.1%
Net Income	$37,467	$13,570	+1.8%

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

145

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

$23,200

Total Directors

$10,300

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Angel Lopez	President	2.00	Officer	$0	$2,000	$2,000
Anthony Malanga	Vice President	2.00	Officer	$0	$2,000	$2,000
Brian Salmon	Secretary	3.50	Officer	$0	$7,500	$7,500
William Hands	Treasurer	4.50	Officer	$0	$11,700	$11,700
Ralph Castellano	Representative	1.00	Director	$0	$400	$400
Nicholas Smallstey	Representative	1.00	Director	$0	$200	$200
James Judge	Representative	1.00	Director	$0	$200	$200
Nicholas Galante	Representative	1.00	Director	$0	$500	$500
George Pedalino	Representative	1.00	Director	$0	$500	$500
Steven Masoud	Representative	1.00	Director	$0	$200	$200
Clifford Lawrence	Representative	1.00	Director	$0	$400	$400
Thomas Sbarra	Representative	1.00	Director	$0	$500	$500
Joseph Pizzi	Representative	1.00	Director	$0	$500	$500
Anthony Palermo	Representative	1.00	Director	$0	$400	$400
Carl Piscatowski	Representative	1.00	Director	$0	$500	$500
Anthony Campisi	Representative	1.00	Director	$0	$400	$400
George Delgrande	Representative	1.00	Director	$0	$200	$200
Joseph Renna	Representative	1.00	Director	$0	$300	$300
Francis Alfano	Representative	1.00	Director	$0	$400	$400
Michael Corino	Representative	1.00	Director	$0	$400	$400
Michael Cayli	Representative	1.00	Director	$0	$500	$500
NIcholas Giangrande	Representative	1.00	Director	$0	$500	$500
MIchael Sanphilip	Trustee	3.00	Director	$0	$2,000	$2,000
Andres Idrovo	Trustee	1.00	Director	$0	$100	$100
Anthony Deberto	Trustee	1.00	Director	$0	$100	$100
Timothy Roberts	Trustee	1.00	Director	$0	$100	$100
Manual Antonio	Trustee	1.00	Director	$0	$100	$100
Chase Hamilton	Trustee	1.00	Director	$0	$100	$100
Ralph Chimento	Trustee	1.00	Director	$0	$100	$100
Thomas Escott	Trustee	1.00	Director	$0	$100	$100
Joseph Lelinho	Trustee	1.00	Director	$0	$100	$100
David Lelinho	Trustee	1.00	Director	$0	$100	$100
Christopher Gammaro	Trustee	1.00	Director	$0	$100	$100
Vincent Wolf	Trustee	1.00	Director	$0	$100	$100
William Tamburri	Trustee	1.00	Director	$0	$100	$100
Richard Hromoko	Trustee	1.00	Director	$0	$100	$100

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	$227,975	$190,508	$679,603	$37,467
2024	No data	No data	No data	No data
2023	$128,821	$113,064	$628,566	$15,757
2022	$123,762	$127,748	$615,848	$-3,986
2021	$245,697	$205,595	$619,643	$40,102
2020	$119,223	$97,007	$579,234	$22,216

New Jersey State Firemens Assoc-Belleville