FIREMENS MUTUAL BENEVOLENT ASSOCIATION OF NEW JERSEY BRANCH NO 9 INC (EIN 226046507) - 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

1902

Legal Domicile

Phone

9083557090

Tax Period

2024-01-01 to 2024-12-31

FIREMENS MUTUAL BENEVOLENT ASSOCIATION OF NEW JERSEY BRANCH NO 9 INC, founded in 1902, is a small nonprofit that reported $249K in total revenue in fiscal year 2024. Revenue decreased 16% compared to the prior year. Expenses of $353K exceeded revenue, resulting in a 42% operating deficit.

Mission

TO PROVIDE BENEVOLENCE TO CHARITABLE ORGANIZATIONS AND ITS INDIVIDUAL MEMBERS. TO COLLECT THE MEMBERS DUES & PROVIDE EDUCATIONAL & WORK RELATED BENEFITS AND RECOGNITION TO ITS APPROXIMATE 275 MEMBERS.

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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 $236,183

Program Service Revenue $0

Investment Income $85

Other Revenue $13,045

TOTAL REVENUE $249,313

Expense Breakdown

Grants Paid $0

Salaries & Benefits $46,657

Fundraising Expenses $76,591

Other Expenses $306,606

TOTAL EXPENSES $353,263

Year-over-Year Comparison

	2024	2023	Change
Revenue	$249,313	$297,680	-0.2%
Expenses	$353,263	$276,038	+0.3%
Net Income	$-103,950	$21,642	-5.8%

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

N/A

Employees

N/A

Volunteers

N/A

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

$40,950

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
EDWARD FOX	President	5.00	Officer	$10,825	$0	$10,825
THOMAS SHEEHAN	Vice President	2.00	Officer	$7,100	$0	$7,100
STEVEN PERTUZ	Treasurer	10.00	Officer	$5,600	$0	$5,600
EDWARD SISK IV	State Delegate	5.00	Officer	$4,600	$0	$4,600
JOSEPH MARRANCA	Secretary	5.00	Officer	$4,200	$0	$4,200
DANIEL BEIRNE	Ex officer	5.00	Officer	$3,675	$0	$3,675
MICHAEL ROSA	Sgt at Arms	2.00	Officer	$2,600	$0	$2,600
JOHN SACCO	Ex. Comm. Chair	2.00	Officer	$1,350	$0	$1,350
CHRIS HERNANDEZ	Ex. Comm. Sec.	2.00	Officer	$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	No data	No data	No data	No data
2024	$249,313	$353,263	$173,962	$-103,950
2023	$297,680	$276,038	$277,912	$21,642
2022	$291,078	$279,290	$256,270	$11,788
2021	$265,515	$251,038	$244,482	$14,477

FIREMENS MUTUAL BENEVOLENT ASSOCIATION OF NEW JERSEY BRANCH NO 9 INC