NEW JERSEY STATE FIREMENS ASSOCIATION (EIN 237081680) - 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

1900

Legal Domicile

Principal Officer

JOSEPH A MAIORANA

Phone

9085993060

Tax Period

2024-01-01 to 2024-12-31

NEW JERSEY STATE FIREMENS ASSOCIATION, founded in 1900, is a small nonprofit that reported $567K in total revenue in fiscal year 2024. Revenue grew 15% year-over-year, indicating healthy expansion. The organization ran a surplus of $151K, a strong 27% operating margin.

Mission

WELFARE RELIEF TO FIREMEN THEIR SPOUSES AND FAMILIES

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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 (2024)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $0

Investment Income $83,932

Other Revenue $482,992

TOTAL REVENUE $566,924

Expense Breakdown

Grants Paid $0

Salaries & Benefits $31,267

Fundraising Expenses $0

Program Expenses $34,500

Other Expenses $350,449

TOTAL EXPENSES $416,216

Year-over-Year Comparison

	2024	2023	Change
Revenue	$566,924	$493,414	+0.1%
Expenses	$416,216	$339,601	+0.2%
Net Income	$150,708	$153,813	0.0%

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

N/A

Employees

N/A

Volunteers

N/A

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

$17,700

Total Directors

$13,557

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
STEVEN GERRITY	SECRETARY	2.00	Officer	$6,000	$0	$6,000
JOSEPH MAIORANA	TREASURER	2.00	Officer	$6,000	$0	$6,000
TODD STARK	President	1.00	Officer	$3,500	$0	$3,500
ANDREW STICH	TRUSTEE	0.50	Director	$2,200	$0	$2,200
STEVEN MCNAMARA	TRUSTEE	0.50	Director	$2,200	$0	$2,200
JERMEY REYES	VICE PRESIDENT	0.50	Officer	$2,200	$0	$2,200
PATRICK ORTIZ	TRUSTEE	0.50	Director	$1,823	$0	$1,823
ROBERT SORINO	TRUSTEE	0.50	Director	$1,467	$0	$1,467
JAMES ECKS	TRUSTEE	0.50	Director	$1,467	$0	$1,467
MICHAEL WOLF	TRUSTEE	0.50	Director	$1,467	$0	$1,467
RICHARD WEIL	TRUSTEE	0.50	Director	$1,100	$0	$1,100
WILLIAM COOK	TRUSTEE	0.50	Director	$1,100	$0	$1,100
ZALMAM BERGER	TRUSTEE	0.50	Director	$733	$0	$733

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
2024	$566,924	$416,216	$2,436,576	$150,708
2023	$493,414	$339,601	$2,285,868	$153,813
2022	$350,215	$284,233	$2,132,055	$65,982
2021	$305,761	$221,475	$2,066,073	$84,286
2020	$309,070	$209,350	$1,981,786	$99,720

NEW JERSEY STATE FIREMENS ASSOCIATION