NEW JERSEY STATE FIREMENS ASSOCIATION (EIN 237081547) - 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

1970

Legal Domicile

Principal Officer

WILLIAM BEZAIRE

Phone

6098849512

Tax Period

2025-01-01 to 2025-12-31

NEW JERSEY STATE FIREMENS ASSOCIATION, founded in 1970, is a micro nonprofit in the Public Safety sector that reported $87K in total revenue in fiscal year 2025. The organization ran a surplus of $29K, a strong 33% operating margin.

Mission

PROVIDE FINANCIAL RELIEF TO INJURED FIREFIGHTERS AND WIDOWS/WIDOWERS

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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 $72,070

Program Service Revenue $0

Investment Income $15,191

Other Revenue $0

TOTAL REVENUE $87,261

Expense Breakdown

Grants Paid $21,250

Salaries & Benefits $34,000

Fundraising Expenses $0

Program Expenses $22,570

Other Expenses $2,976

TOTAL EXPENSES $58,226

Year-over-Year Comparison

	2025	2024	Change
Revenue	$87,261	$90,665	0.0%
Expenses	$58,226	$68,855	-0.2%
Net Income	$29,035	$21,810	+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

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

$19,000

Total Directors

$15,000

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
MICHAEL ECK	PRESIDENT	1.00	Officer	$2,500	$0	$2,500
GEORGE REA	SECRETARY	4.00	Officer	$7,000	$0	$7,000
WILLIAM BEZAIRE	TREASURER	4.00	Officer	$7,000	$0	$7,000
DAVID JACKSON	VICE PRESIDENT	1.00	Officer	$2,500	$0	$2,500
JAMES MATTHEWS	TRUSTEE	1.00	Director	$1,500	$0	$1,500
CHARLES SHIELDS	TRUSTEE	1.00	Director	$1,500	$0	$1,500
EDWARD ZEBROWSKI	TRUSTEE	1.00	Director	$1,500	$0	$1,500
ROBERT LUNDHOLM	TRUSTEE	1.00	Director	$1,500	$0	$1,500
ALEX COULTER	TRUSTEE	1.00	Director	$1,500	$0	$1,500
MATTHEW ZELINSKI	TRUSTEE	1.00	Director	$1,500	$0	$1,500
ANDREW BOYT	TRUSTEE	1.00	Director	$1,500	$0	$1,500
FRANK MITTLEBERGER	TRUSTEE	1.00	Director	$1,500	$0	$1,500
JONATHAN BROWN	TRUSTEE	1.00	Director	$1,500	$0	$1,500
BRANDON NASH	TRUSTEE	1.00	Director	$1,500	$0	$1,500

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	$87,261	$58,226	$584,570	$29,035
2024	$90,665	$68,855	$555,535	$21,810
2023	$78,523	$36,432	$533,725	$42,091
2022	$63,232	$37,561	$491,634	$25,671
2021	$63,274	$91,183	$465,963	$-27,909
2020	$59,074	$106,959	$572,386	$-47,885
2019	$54,931	$38,400	$535,686	$16,531
2018	$59,811	$63,648	$519,155	$-3,837

NEW JERSEY STATE FIREMENS ASSOCIATION