Trenton, NJ
4 risk indicators measuring financial stability and operational resilience
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Sign In — Free (10 views/day)New Jersey Law & Public Safety Credit Union, founded in 1958, is a community nonprofit that reported $3.8M in total revenue in fiscal year 2025. Revenue grew 10% year-over-year, indicating healthy expansion. The organization ran a surplus of $888K, a strong 23% operating margin.
To provide lending, savings and other financial services to its qualifying members at terms generally better than those available in the marketplace and with a "service-based emphasis" that recognizes the members' status as owners.
DIVIDENDS AND INTEREST PAID TO MEMBERS ON APPROXIMATELY 14,000 DEPOSIT ACCOUNTS HELD BY APPROXIMATELY 8,000 MEMBERS.
DIRECT LABOR AND EMPLOYEE BENEFIT COSTS INCURRED PROVIDING SAVINGS DEPOSIT SERVICES, ORIGINATING NEW LOANS AND SERVICING THE LOAN PORTFOLIO FOR MEMBERS.
DATA PROCESSING COSTS INCURRED RECORDING MEMBER ACCOUNT ACTIVITY AND PROVIDING ACCESS TO MEMBERS TO THEIR ACCOUNTS VIA HOME BANKING. ATM NETWORKS AND IN-PERSON AT THE CREDIT UNION OFFICE.
Financial Health Score (300–850) · Liquidity · Solvency · Sustainability · Efficiency
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Liquidity (40%) • Solvency (30%) • Sustainability (20%) • Efficiency (10%)
Sign In — Free (10 views/day)| 2025 | 2024 | Change | |
|---|---|---|---|
| Revenue | $3,827,746 | $3,468,891 | +0.1% |
| Expenses | $2,939,659 | $2,654,898 | +0.1% |
| Net Income | $888,087 | $813,993 | +0.1% |
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
Sign In| Name | Title | Hours/Week | Role | Reportable Comp | Other Comp | Total |
|---|---|---|---|---|---|---|
| Darryl Belinski | CEO | 37.50 |
Officer
|
$131,360 | $0 | $131,360 |
| Tinna Bussell | COO | 37.50 |
Officer
|
$117,432 | $0 | $117,432 |
| Denise Stein | CIO | 37.50 |
Officer
|
$105,987 | $0 | $105,987 |
| Rosanne Fairbanks | President | 0.50 |
Director
|
$0 | $0 | $0 |
| Robert Manney | Vice President | 0.50 |
Director
|
$0 | $0 | $0 |
| Joseph Severino | Treasurer | 0.50 |
Director
|
$0 | $0 | $0 |
| Carl Sirman | Secretary | 0.50 |
Director
|
$0 | $0 | $0 |
| Joseph Broski | Director | 0.50 |
Director
|
$0 | $0 | $0 |
| Robert Aragona | Director | 0.50 |
Director
|
$0 | $0 | $0 |
| Ryan Brady | Director | 0.50 |
Director
|
$0 | $0 | $0 |
| Theodore Baron Jr | Director | 0.50 |
Director
|
$0 | $0 | $0 |
| Christopher Nunziato | Director | 0.50 |
Director
|
$0 | $0 | $0 |
| Year | Revenue | Expenses | Assets | Net Income |
|---|---|---|---|---|
| 2025 | $3,827,746 | $2,939,659 | $64,906,187 | $888,087 |
| 2024 | $3,468,891 | $2,654,898 | $60,682,268 | $813,993 |
| 2023 | $3,003,464 | $2,193,935 | $55,655,961 | $809,529 |
| 2022 | $2,264,186 | $1,635,490 | $57,132,932 | $628,696 |
| 2021 | $2,348,750 | $1,751,336 | $58,457,745 | $597,414 |
| 2020 | $2,058,977 | $1,830,695 | $53,735,768 | $228,282 |
| 2019 | $2,615,751 | $1,998,244 | $46,859,808 | $617,507 |
| 2018 | $2,462,144 | $2,006,529 | $46,917,284 | $455,615 |
Compare New Jersey Law & Public Safety Credit Union with other nonprofits in New Jersey and across the country.