NEW JERSEY RURAL LETTER CARRIERS' ASSOCI (EIN 237233431) - 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

1904

Legal Domicile

Principal Officer

KELLY INMAN

Phone

2012304060

Tax Period

2024-07-01 to 2025-06-30

NEW JERSEY RURAL LETTER CARRIERS' ASSOCI, founded in 1904, is a small nonprofit that reported $165K in total revenue in fiscal year 2024. Expenses of $240K exceeded revenue, resulting in a 46% operating deficit.

Mission

PROMOTE AND EDUCATE THE NEW JERSEY RURAL LETTER CARRIERS' ASSOCIATION AT NATIONAL CONVENTION, STATE MEETINGS, AND REGIONAL CONFERENCE.

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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 $158,072

Investment Income $6,667

Other Revenue $0

TOTAL REVENUE $164,739

Expense Breakdown

Grants Paid $0

Salaries & Benefits $47,846

Fundraising Expenses $0

Program Expenses $159,933

Other Expenses $192,508

TOTAL EXPENSES $240,354

Year-over-Year Comparison

	2024	2023	Change
Revenue	$164,739	$158,406	+0.0%
Expenses	$240,354	$181,339	+0.3%
Net Income	$-75,615	$-22,933	+2.3%

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

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

$20,772

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
NANCY NUNN	PRESIDENT	2.00	Officer	$3,147	$0	$3,147
KELLY INMAN	SECRETARY/TREASURER	5.00	Officer	$16,543	$0	$16,543
ASHLEY MOORE	VICE PRESIDENT	2.00	Officer	$1,082	$0	$1,082

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	$164,739	$240,354	$144,493	$-75,615
2024	$158,406	$181,339	$219,875	$-22,933
2023	$143,444	$177,406	$244,525	$-33,962
2022	$137,553	$115,806	$276,584	$21,747
2021	$136,894	$74,630	$253,414	$62,264
2020	$123,465	$127,187	$191,368	$-3,722
2019	$110,815	$133,296	$197,779	$-22,481
2018	$109,008	$144,190	$229,079	$-35,182

NEW JERSEY RURAL LETTER CARRIERS' ASSOCI