NEW JERSEY STATE FIREMENS ASSOCIATION (EIN 226044926) - 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

1908

Legal Domicile

Principal Officer

Paulo Lopes -Treasurer

Phone

9082653375

Tax Period

2024-01-01 to 2024-12-31

NEW JERSEY STATE FIREMENS ASSOCIATION, founded in 1908, is a small nonprofit that reported $117K in total revenue in fiscal year 2024. Revenue grew 10% year-over-year, indicating healthy expansion. The organization ran a surplus of $61K, a strong 52% operating margin.

Mission

Assist firefighters, both volunteer and paid, to their families and widows and dependent children of deceased firefighters.

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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 $56,121

Program Service Revenue $0

Investment Income $60,543

Other Revenue $0

TOTAL REVENUE $116,664

Expense Breakdown

Grants Paid $0

Salaries & Benefits $19,519

Fundraising Expenses $0

Program Expenses $55,978

Other Expenses $7,725

TOTAL EXPENSES $55,978

Year-over-Year Comparison

	2024	2023	Change
Revenue	$116,664	$105,647	+0.1%
Expenses	$55,978	$90,409	-0.4%
Net Income	$60,686	$15,238	+3.0%

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

N/A

Independent Members

N/A

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

$6,213

Total Directors

$6,855

Key Employees

$4,071

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Christopher Steitz	President	2	Officer	$2,095	$0	$2,095
Joseph Frian	Vice President	2	Officer	$2,095	$0	$2,095
Andrew Porter	Secretary	2	Key Emp	$2,095	$0	$2,095
George Brophy	Trustee Chair	2	Director	$1,976	$0	$1,976
Paulo Lopes	Treasurer	2	Key Emp	$1,976	$0	$1,976
Gregory Ricciardi	Chief	1	Director	$0	$595	$595
Daniel Compofelice	representative	0.5	Director	$0	$595	$595
Ronald Zelko	representative	0.5	Director	$0	$595	$595
Craig Zusi	representative	0.5	Director	$595	$0	$595
Matthew Hokanson	representative	1	Director	$595	$0	$595
Daniel Rodriguez	Trustee	0.5	Director	$0	$595	$595
Frederick Becht	Representative	1		$595	$0	$595
Walter Buerkle	Representative	1	Officer	$0	$595	$595
John Fernandes	Trustee	0.5	Officer	$0	$595	$595
James Chinard	Representative	0.5	Director	$0	$476	$476
Matthew Howard	trustee	0.5	Director	$0	$476	$476
Donald Vitale	trustee	0.5		$0	$476	$476
Michael Scanio	Trustee	0.5	Officer	$0	$476	$476
James Hannon	trustee	1		$0	$476	$476
Orlando	trustee	0.5		$0	$476	$476
Ferdinand Pagano 3rd	Representative	0.5	Director	$0	$357	$357
David Fiore	trustee	0.5		$0	$357	$357
Alan Srnka	representative	0.5	Officer	$0	$357	$357

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
2024	$116,664	$55,978	$1,207,080	$60,686
2023	$105,647	$90,409	$1,146,394	$15,238
2022	$98,684	$82,693	$1,131,156	$15,991
2021	$105,500	$101,946	$1,115,165	$3,554
2020	$114,934	$99,759	$1,111,611	$15,175

NEW JERSEY STATE FIREMENS ASSOCIATION