FUND FOR THE NEW JERSEY BLIND INC C/O ANDREW R FINK (EIN 226071285) - 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

1961

Legal Domicile

Principal Officer

PHILIP D STERN

Phone

6098605084

Tax Period

2024-07-01 to 2025-06-30

FUND FOR THE NEW JERSEY BLIND INC C/O ANDREW R FINK, founded in 1961, is a micro nonprofit in the Diseases & Disorders sector that reported $70K in total revenue in fiscal year 2024. Revenue fell 69% from the prior year — a significant decline worth monitoring. Expenses of $106K exceeded revenue, resulting in a 52% operating deficit.

Mission

BENEFITTING THE BLIND AND VISUALLY IMPAIRED.

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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 $1

Program Service Revenue $0

Investment Income $69,886

Other Revenue $0

TOTAL REVENUE $69,887

Expense Breakdown

Grants Paid $61,050

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $61,050

Other Expenses $45,209

TOTAL EXPENSES $106,259

Year-over-Year Comparison

	2024	2023	Change
Revenue	$69,887	$225,628	-0.7%
Expenses	$106,259	$94,241	+0.1%
Net Income	$-36,372	$131,387	-1.3%

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

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

$21,232

Total Directors

$21,232

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
ANDREW R FINK	TREASURER	2.00	Officer Director	$0	$0	$0
GAYTHA I KRAUSHAR	VICE PRESIDENT	0.25	Officer Director	$0	$0	$0
JOHN MCEWEN	EXECUTIVE DIRECTOR	0.25	Officer Director	$0	$0	$0
MARTIN CORWIN MD	TRUSTEE	0.25	Director	$0	$0	$0
MELVYN K BRAY	TRUSTEE	0.25	Director	$0	$0	$0
ADRIENNE SNEED-BYERS	SECRETARY	0.25	Director	$0	$0	$0
DOUGLAS SCHEMBS JR	TRUSTEE	0.25	Director	$0	$0	$0
PHILIP D STERN	PRESIDENT	0.50	Officer Director	$0	$0	$0
BONNIE SCHECHTER	RECORDING SECRETARY	1.50	Officer Director	$10,616	$10,616	$21,232
ARMANDO GUERRA	TRUSTEE	0.25	Director	$0	$0	$0
PRISCILLA G GARCES	TRUSTEE	0.25	Director	$0	$0	$0
KAREN LUCHKA	TRUSTEE	0.25	Director	$0	$0	$0

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	$69,887	$106,259	$1,272,134	$-36,372
2024	$225,628	$94,241	$1,299,362	$131,387
2023	$57,464	$90,998	$1,249,792	$-33,534
2022	$66,426	$102,925	$1,283,326	$-36,499
2021	$52,022	$93,905	$1,319,825	$-41,883
2020	$111,388	$78,780	$1,361,708	$32,608

FUND FOR THE NEW JERSEY BLIND INC C/O ANDREW R FINK