New Jersey Law & Public Safety Credit Union

EIN: 226071781

Trenton, NJ

Total Revenue
$3,827,746
Total Expenses
$2,939,659
Total Assets
$64,906,187
Net Assets
$11,995,949
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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
1958
Legal Domicile
NJ
Principal Officer
Darryl Belinski
Phone
6093931438
Tax Period
2025-01-01 to 2025-12-31

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.

Mission

THE CREDIT UNION PROVIDES FINANCIAL SERVICES TO QUALIFIED 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%)

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Financial Overview (2025)

Revenue Breakdown

Contributions & Grants $0
Program Service Revenue $2,973,348
Investment Income $854,398
Other Revenue $0
TOTAL REVENUE $3,827,746

Expense Breakdown

Grants Paid $0
Salaries & Benefits $934,268
Fundraising Expenses $0
Program Expenses $0
Other Expenses $1,093,800
TOTAL EXPENSES $2,939,659

Year-over-Year Comparison

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%
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

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Governance

Voting Members
9
Independent Members
9
Employees
13
Volunteers
11

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
3
$354,779
Total Directors
9
$0
Key Employees
0
$0
Highest Compensated
0
reported
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
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 $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
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