New Jersey State Firemens Assoc-Mi… - 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

1915

Legal Domicile

Principal Officer

Michael G Macher

Phone

7328227099

Tax Period

2025-01-01 to 2025-12-31

New Jersey State Firemens Assoc-Middlesex Borough, founded in 1915, is a small nonprofit that reported $155K in total revenue in fiscal year 2025. Revenue fell 62% from the prior year — a significant decline worth monitoring. The organization ran a surplus of $26K, a strong 17% operating margin.

Mission

Assist firefighters and their families in times of need

Program Service Accomplishments

Program 1

Expenses: $92,886 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: $10,924 Revenue: $0

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

Program 3

Expenses: $9,082 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 $124,740

Investment Income $30,255

Other Revenue $0

TOTAL REVENUE $154,995

Expense Breakdown

Grants Paid $0

Salaries & Benefits $16,210

Fundraising Expenses $0

Program Expenses $112,892

Other Expenses $102,058

TOTAL EXPENSES $129,192

Year-over-Year Comparison

	2025	2024	Change
Revenue	$154,995	$407,082	-0.6%
Expenses	$129,192	$306,037	-0.6%
Net Income	$25,803	$101,045	-0.7%

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

115

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

$10,750

Total Directors

$5,460

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Jeffery Demassari	President	2.50	Officer	$0	$595	$595
Edward Winters	Vicce President	2.50	Officer	$0	$465	$465
Richard Malt	Secretary	4.00	Officer	$0	$4,862	$4,862
Michael Macher	Treasurer	4.00	Officer	$0	$4,828	$4,828
David Breen	Trustee	2.50	Director	$0	$585	$585
Kevin Wright	Trustee	2.00	Director	$0	$405	$405
Darren Lubetkin	Trustee	1.00	Director	$0	$180	$180
John Craig	Trustee	1.00	Director	$0	$120	$120
Jack Costa	Trustee	1.00	Director	$0	$120	$120
Robert Poltorak	Trustee	1.00	Director	$0	$120	$120
Mark Rutledge	Trustee	1.00	Director	$0	$230	$230
John Morowsky	Trustee	1.00	Director	$0	$180	$180
Robert Soper	Trustee	1.00	Director	$0	$180	$180
Kenneth Bartok	Representative	1.50	Director	$0	$300	$300
John Hein	Representative	2.00	Director	$0	$410	$410
Shawn Young	Representative	1.00	Director	$0	$180	$180
Cody Tingle	Representative	1.00	Director	$0	$240	$240
Kenneth Pukas	Representative	1.50	Director	$0	$300	$300
Jacob Wright	Representative	1.00	Director	$0	$120	$120
Stephen Bird	Representative	1.50	Director	$0	$300	$300
Sean Kaplan	Representative	1.50	Director	$0	$300	$300
John Hommas	Representative	2.00	Director	$0	$410	$410
Eric Berg	Representative	1.00	Director	$0	$180	$180
Andrew Pollara	Representative	1.00	Director	$0	$120	$120
Roxanne Radi	Representative	1.00	Director	$0	$240	$240
Gregory Macher	Representative	1.00	Director	$0	$240	$240

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	$154,995	$129,192	$832,063	$25,803
2024	$407,082	$306,037	$806,260	$101,045
2023	$250,452	$190,049	$705,215	$60,403
2022	$232,603	$179,024	$644,812	$53,579
2021	$236,158	$173,506	$591,233	$62,652
2020	$194,609	$154,849	$528,581	$39,760

New Jersey State Firemens Assoc-Middlesex Borough