NEW JERSEY STATE FIREMENS ASSOCIATION CLIFTON FIREMENS RELIEF ASSOCIATION (EIN 237081562) - 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

1926

Legal Domicile

Phone

2012328531

Tax Period

2025-01-01 to 2025-12-31

NEW JERSEY STATE FIREMENS ASSOCIATION CLIFTON FIREMENS RELIEF ASSOCIATION, founded in 1926, is a small nonprofit that reported $641K in total revenue in fiscal year 2025. Expenses of $564K left a modest 12% surplus.

Mission

TO PROVIDE ASSISTANCE TO NEEDY FIREFIGHTERS AND/OR THEIR WIDOWS

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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 $0

Investment Income $640,822

Other Revenue $0

TOTAL REVENUE $640,822

Expense Breakdown

Grants Paid $0

Salaries & Benefits $32,600

Fundraising Expenses $0

Program Expenses $104,945

Other Expenses $426,747

TOTAL EXPENSES $564,292

Year-over-Year Comparison

	2025	2024	Change
Revenue	$640,822	$609,228	+0.1%
Expenses	$564,292	$506,048	+0.1%
Net Income	$76,530	$103,180	-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

$22,027

Total Directors

$15,731

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
ARTHUR E VEALE III	Treasurer	4.00	Officer	$11,001	$0	$11,001
CHARLES P STAUHS	Secretary	2.00	Officer	$8,000	$0	$8,000
GEORGE SPIES	Trustee	1.00	Director	$3,000	$0	$3,000
ROBERT HOOGMOED JR	Trustee	1.00	Director	$1,701	$0	$1,701
CRAIG HOPKINS	Vice President	1.00	Officer	$1,526	$0	$1,526
PAUL LEBITSCH	President	1.00	Officer	$1,500	$0	$1,500
MICHAEL BANDURSKI	REPRESENTATIVE	1.00	Director	$1,451	$0	$1,451
MICHAEL ROWAN	REPRESENTATIVE	1.00	Director	$1,376	$0	$1,376
ANGELINA TIRADO	REPRESENTATIVE	1.00	Director	$1,301	$0	$1,301
ROBERT HOOGMOED 3RD	REPRESENTATIVE	1.00	Director	$1,226	$0	$1,226
ROBERT KIMBERLEY	Trustee	1.00	Director	$1,200	$0	$1,200
MARK ZIDIAK	Trustee	1.00	Director	$1,200	$0	$1,200
STEVEN KOCHIK	Trustee	1.00	Director	$1,200	$0	$1,200
RAYMOND GOETSCHIUS	Trustee	1.00	Director	$1,200	$0	$1,200
ROLAND J VANWINKLE	REPRESENTATIVE	1.00	Director	$876	$0	$876
STEVEN TURI	REPRESENTATIVE	1.00	Director	$0	$0	$0
WILLIAM LAURITANO	REPRESENTATIVE	1.00	Director	$0	$0	$0
DOUGLAS WALLACE	REPRESENTATIVE	1.00	Director	$0	$0	$0
ANTHONY DIDOMENICO	REPRESENTATIVE	1.00	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	$640,822	$564,292	$2,270,291	$76,530
2024	$609,228	$506,048	$2,185,042	$103,180
2023	$488,233	$383,832	$2,054,550	$104,401
2022	$327,149	$439,638	$1,980,878	$-112,489
2021	$346,721	$340,760	$2,093,367	$5,961
2020	$341,505	$252,712	$2,087,406	$88,793

NEW JERSEY STATE FIREMENS ASSOCIATION CLIFTON FIREMENS RELIEF ASSOCIATION