New Jersey State Firemens Assoc-Be… - Form 990 Financial Data

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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

1907

Legal Domicile

Principal Officer

Dino Landaverde

Phone

2014109806

Tax Period

2025-01-01 to 2025-12-31

New Jersey State Firemens Assoc-Bergenfield, founded in 1907, is a small nonprofit that reported $239K in total revenue in fiscal year 2025. Revenue surged 42% from the prior year, signaling strong growth momentum. The organization ran a surplus of $47K, a strong 19% operating margin.

Mission

Assist firefighters and their families in times of need

Program Service Accomplishments

Program 1

Expenses: $165,019 Revenue: $0

Assessments retained by State Association are used to pay burial benefits, operate Firemens Home in Booton, NJ, and provide special financial and health care assistance to firefighters and their...

Assessments retained by State Association are used to pay burial benefits, operate Firemens Home in Booton, NJ, and provide special financial and health care assistance to firefighters and their families.

Program 2

Expenses: $11,154 Revenue: $0

Payment of direct financial assistance to firefighters or their widows in time of financial need

Program 3

Expenses: $8,512 Revenue: $0

Reimbursement of expenses to Delegates and Life Members who attended the annual convention of the NJSFA in Wildwood, NJ.

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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 (2025)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $221,568

Investment Income $17,460

Other Revenue $0

TOTAL REVENUE $239,028

Expense Breakdown

Grants Paid $0

Salaries & Benefits $5,325

Fundraising Expenses $0

Program Expenses $184,685

Other Expenses $175,963

TOTAL EXPENSES $192,442

Year-over-Year Comparison

	2025	2024	Change
Revenue	$239,028	$167,945	+0.4%
Expenses	$192,442	$132,120	+0.5%
Net Income	$46,586	$35,825	+0.3%

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

100

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

$3,100

Total Directors

$2,225

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Steven Mulder	President	1.00	Officer	$0	$100	$100
Christopher Naylis	Secretary	2.50	Officer	$0	$1,500	$1,500
Dino Landaverde	Treasurer	2.50	Officer	$0	$1,500	$1,500
Michael Shanahan	Representative	1.00	Director	$0	$75	$75
Christine Schade	Representative	1.00	Director	$0	$125	$125
Bryce Maida	Representative	1.00	Director	$0	$25	$25
Alfred Rosa	Representative	1.00	Director	$0	$125	$125
Edward Kneisler	Representative	1.00	Director	$0	$125	$125
Jean-Franc Cote	Representative	1.00	Director	$0	$75	$75
Norman Hoyt	Representative	1.00	Director	$0	$100	$100
James Lodato	Representative	1.00	Director	$0	$25	$25
Greg Polandick	Representative	1.00	Director	$0	$75	$75
Kevin Schade	Representative	1.00	Director	$0	$125	$125
Gerard Naylis	Representative	1.00	Director	$0	$125	$125
Ryan Zadrozna	Trustee	1.00	Director	$0	$500	$500
Richard Arsi	Trustee	1.00	Director	$0	$75	$75
Nancy Naylis	Trustee	1.00	Director	$0	$125	$125
Peter Drewniak	Trustee	1.00	Director	$0	$125	$125
Jack Delucia	Trustee	1.00	Director	$0	$125	$125
Emily Sandman	Trustee	1.00	Director	$0	$100	$100
Elizabeth Hoyt	Trustee	1.00	Director	$0	$75	$75
Walter Prihoda	Trustee	1.00	Director	$0	$100	$100

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	$239,028	$192,442	$1,482,007	$46,586
2024	No data	No data	No data	No data
2023	$50,329	$19,469	$1,399,468	$30,860
2022	$70,078	$22,900	$1,368,608	$47,178
2021	$91,646	$19,593	$1,321,430	$72,053
2020	$86,675	$34,260	$1,249,377	$52,415
2019	$94,950	$62,004	$1,196,962	$32,946
2018	$81,384	$52,863	$1,164,016	$28,521

New Jersey State Firemens Assoc-Bergenfield