New Jersey State Firemens Assoc-Ramsey (EIN 237081822) - 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

1916

Legal Domicile

Principal Officer

Garry A Tonnon

Phone

2019614353

Tax Period

2025-01-01 to 2025-12-31

New Jersey State Firemens Assoc-Ramsey, founded in 1916, is a small nonprofit that reported $182K in total revenue in fiscal year 2025. Revenue surged 43% from the prior year, signaling strong growth momentum. The organization ran a surplus of $57K, a strong 31% operating margin.

Mission

Assist firefighters and their families in times of need

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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 $143,514

Investment Income $38,397

Other Revenue $0

TOTAL REVENUE $181,911

Expense Breakdown

Grants Paid $0

Salaries & Benefits $8,600

Fundraising Expenses $0

Program Expenses $115,032

Other Expenses $116,071

TOTAL EXPENSES $124,671

Year-over-Year Comparison

	2025	2024	Change
Revenue	$181,911	$127,103	+0.4%
Expenses	$124,671	$91,586	+0.4%
Net Income	$57,240	$35,517	+0.6%

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

$8,600

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Garry Tonnon	Treasurer	3.50	Officer	$0	$4,000	$4,000
John Pasichnyk	Secretary	3.50	Officer	$0	$4,000	$4,000
Thomas Lanning	Vice President	1.00	Officer	$0	$100	$100
Sean Redfern	President	2.00	Officer	$0	$500	$500
Addison Emr	Representative	1.00	Director	$0	$0	$0
Laura Single	Representative	1.00	Director	$0	$0	$0
Robert Barton	Representative	1.00	Director	$0	$0	$0
Timothy Mazza	Representative	1.00	Director	$0	$0	$0
Christopher Warnet	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	$181,911	$124,671	$870,119	$57,240
2024	$127,104	$91,585	$812,879	$35,519
2023	$122,535	$76,557	$777,360	$45,978
2022	$82,986	$80,383	$731,382	$2,603
2021	$75,998	$57,541	$728,779	$18,457
2020	$84,009	$67,422	$710,322	$16,587
2019	$85,327	$58,718	$693,735	$26,609
2018	$59,954	$63,443	$667,126	$-3,489

New Jersey State Firemens Assoc-Ramsey