MARINE TRADES ASSOCIATION OF NEW JERSEY (EIN 237268303) - 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

1972

Legal Domicile

Principal Officer

ED HARRISON III

Phone

2017045042

Tax Period

2024-04-01 to 2025-03-31

MARINE TRADES ASSOCIATION OF NEW JERSEY, founded in 1972, is a small nonprofit that reported $883K in total revenue in fiscal year 2024.

Mission

DEDICATED TO ADVANCING, PROMOTING AND PROTECTING THE RECREATIONAL MARINE INDUSTRY AND WATERWAYS IN 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 (2024)

Revenue Breakdown

Contributions & Grants $133,367

Program Service Revenue $749,049

Investment Income $87

Other Revenue $63

TOTAL REVENUE $882,566

Expense Breakdown

Grants Paid $1,384

Salaries & Benefits $319,018

Fundraising Expenses $0

Program Expenses $777,060

Other Expenses $603,191

TOTAL EXPENSES $923,593

Year-over-Year Comparison

	2024	2023	Change
Revenue	$882,566	$846,538	+0.0%
Expenses	$923,593	$836,910	+0.1%
Net Income	$-41,027	$9,628	-5.3%

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

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

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
AARON HELD	DIRECTOR	5.00	Director	$0	$0	$0
BRIAN HOUF	VICE PRESIDENT I	5.00	Director	$0	$0	$0
COLLEEN BLAKE	PRESIDENT	5.00	Officer Director	$0	$0	$0
DEBBIE MOOERS	DIRECTOR	5.00	Director	$0	$0	$0
ED HARRISON III	TREASURER	5.00	Officer Director	$0	$0	$0
ERIC TRABER	DIRECTOR	5.00	Director	$0	$0	$0
GREG WRIGHT	IMMEDIATE PAST PRESIDENT	5.00	Officer Director	$0	$0	$0
JERRY BENCH	VICE PRESIDENT II	5.00	Officer Director	$0	$0	$0
KAREN GRUPPUSO	DIRECTOR	5.00	Director	$0	$0	$0
MARK CASSIDY	DIRECTOR	5.00	Director	$0	$0	$0
PAT SALINAS	DIRECTOR	5.00	Director	$0	$0	$0
RAYMOND BOGAN	SECRETARY	5.00	Officer Director	$0	$0	$0
TOM MICAI	DIRECTOR	5.00	Director	$0	$0	$0
MELISSA DANKO	EXEC. DIRECTOR	40.00	Highest	$158,068	$0	$158,068

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	$882,566	$923,593	$280,363	$-41,027
2024	$846,538	$836,910	$321,390	$9,628
2023	$784,762	$796,666	$311,762	$-11,904
2022	$775,647	$674,033	$333,708	$101,614
2021	$589,590	$500,407	$268,406	$89,183
2020	$762,980	$818,927	$171,312	$-55,947
2019	$789,524	$762,142	$190,733	$27,382

MARINE TRADES ASSOCIATION OF NEW JERSEY