NEW JERSEY STATE FIREMENS ASSOCIAT… - 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

1892

Legal Domicile

Principal Officer

William Smith

Phone

6099894031

Tax Period

2025-01-01 to 2025-12-31

NEW JERSEY STATE FIREMENS ASSOCIATION, founded in 1892, is a small nonprofit that reported $723K in total revenue in fiscal year 2025. Expenses of $652K left a modest 10% surplus.

Mission

Payment of monetary relief benefits for medical expenses and financial hardships to retired firefighters, members, their widows, widowers and families.

Program Service Accomplishments

Program 1

Expenses: $112,014 Revenue: $722,808

Payment of monetary relief benefits for medical expenses and financial hardships to retired firefighters, members, their widows, widowers 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 (2025)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $0

Investment Income $93,717

Other Revenue $629,092

TOTAL REVENUE $722,809

Expense Breakdown

Grants Paid $112,014

Salaries & Benefits $44,130

Fundraising Expenses $0

Program Expenses $112,014

Other Expenses $495,633

TOTAL EXPENSES $651,777

Year-over-Year Comparison

	2025	2024	Change
Revenue	$722,809	$677,105	+0.1%
Expenses	$651,777	$617,882	+0.1%
Net Income	$71,032	$59,223	+0.2%

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

$41,254

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
CLIFF A WILLEVER	SECRETARY	5	Officer	$10,462	$0	$10,462
KENNETH R STOUT JR	TREASURER	5	Officer	$10,462	$0	$10,462
MARK BURIANI	SECRETARY	5	Officer	$10,000	$0	$10,000
WILLIAM G SMITH	PRESIDENT	5	Officer	$3,590	$0	$3,590
SHAUN HIBBS	VICE PRESIDENT	0.02	Officer	$2,400	$0	$2,400
VINCENT PRZEMIENIECKI	SECRETARY	0.02	Officer	$2,280	$0	$2,280
MIKE ZSENAK	VICE PRESIDENT	0.01	Officer	$2,060	$0	$2,060

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	$722,809	$651,777	$2,784,671	$71,032
2024	$677,105	$617,882	$2,713,639	$59,223
2023	$552,584	$431,025	$2,654,416	$121,559
2022	$418,915	$384,885	$2,532,857	$34,030
2021	$387,963	$408,369	$2,498,828	$-20,406
2020	$412,130	$360,618	$2,519,233	$51,512

NEW JERSEY STATE FIREMENS ASSOCIATION