New Jersey State Firemens Assoc-To… - 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

1910

Legal Domicile

Principal Officer

Nicholas J Tesesco

Phone

9739810020

Tax Period

2025-01-01 to 2025-12-31

New Jersey State Firemens Assoc-Totowa, founded in 1910, is a small nonprofit that reported $151K in total revenue in fiscal year 2025. Revenue surged 20% from the prior year, signaling strong growth momentum. The organization ran a surplus of $28K, a strong 18% operating margin.

Mission

The Executive Officers select the accountant who performs the compilation and prepares the tax return.

Program Service Accomplishments

Program 1

Expenses: $91,894 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: $4,250 Revenue: $0

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

Program 3

Expenses: $12,921 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 $124,925

Investment Income $26,351

Other Revenue $0

TOTAL REVENUE $151,276

Expense Breakdown

Grants Paid $0

Salaries & Benefits $14,120

Fundraising Expenses $0

Program Expenses $109,065

Other Expenses $105,114

TOTAL EXPENSES $123,484

Year-over-Year Comparison

	2025	2024	Change
Revenue	$151,276	$125,742	+0.2%
Expenses	$123,484	$93,907	+0.3%
Net Income	$27,792	$31,835	-0.1%

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

130

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

$7,000

Total Directors

$7,120

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Frank Gloor	President	2.50	Officer	$0	$1,500	$1,500
Donal Warnet	Vice President	2.50	Officer	$0	$1,500	$1,500
James Booth	Secretary	3.00	Officer	$0	$2,000	$2,000
Nicholas Tedesco	Treasurer	3.00	Officer	$0	$2,000	$2,000
Richard Vanderberg	Representative	1.50	Director	$0	$400	$400
Joseph Monaco	Representative	1.50	Director	$0	$400	$400
Earnest Paese	Representative	1.50	Director	$0	$400	$400
Clifford Jacobs	Representative	1.50	Director	$0	$400	$400
Eric Schirner	Representative	1.00	Director	$0	$160	$160
Raymond Kalokitis	Representative	1.50	Director	$0	$400	$400
Richard Schopperth	Representative	1.50	Director	$0	$400	$400
James Schopperth	Representative	1.50	Director	$0	$400	$400
Luis Velazquez	Representative	1.50	Director	$0	$400	$400
Vincent Marciano	Representative	1.00	Director	$0	$160	$160
Angel Rivera	Representative	1.50	Director	$0	$400	$400
Michael Dalgakiran	Representative	1.50	Director	$0	$320	$320
Bruce Fusco	Trustee	1.50	Director	$0	$320	$320
Charles Roe	Trustee	1.00	Director	$0	$160	$160
David Denquolo	Trustee	1.50	Director	$0	$400	$400
Steven Jacobs	Trustee	1.50	Director	$0	$400	$400
Stephen Stonebridge	Trustee	1.50	Director	$0	$400	$400
Timothy Vanderberg	Trustee	1.50	Director	$0	$320	$320
Joseph Brino	Trustee	1.50	Director	$0	$400	$400
Mario Gaita	Trustee	1.50	Director	$0	$320	$320
Antonio Brunetti	Trustee	1.00	Director	$0	$160	$160

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	$151,276	$123,484	$722,256	$27,792
2024	$125,842	$93,907	$694,464	$31,935
2023	$136,076	$99,884	$662,529	$36,192
2022	$88,490	$71,945	$626,337	$16,545
2021	$80,681	$63,735	$609,792	$16,946
2020	$82,783	$53,702	$592,846	$29,081

New Jersey State Firemens Assoc-Totowa