NABIP-NORTHERN NEW JERSEY CHAPTER … - 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

2002

Legal Domicile

Principal Officer

JAMES LARDIERE

Phone

9086961808

Tax Period

2025-01-01 to 2025-12-31

NABIP-NORTHERN NEW JERSEY CHAPTER A NJ NONPROFIT CORPORATION, founded in 2002, is a micro nonprofit in the Community Improvement sector that reported $32K in total revenue in fiscal year 2025. Revenue fell 20% from the prior year — a significant decline worth monitoring. Expenses of $42K exceeded revenue, resulting in a 31% operating deficit.

Mission

TO PROMOTE COMMON BUSINESS INTEREST OF THOSE ENGAGED IN DISABILTY AND RISK MANAGEMENT. ALSO TO ADVANCE PUBLIC KNOWLEDGE AND UNDERSTANDING OF DISABILTY INCOME.

Program Service Accomplishments

Program 1

Expenses: $40,829 Revenue: $8,063

TO PROMOTE COMMON BUSINESS INTEREST OF THOSE ENGAGED IN DISABILTY AND RISK MANAGEMENT. ALSO TO ADVANCE PUBLIC KNOWLEDGE AND UNDERSTANDING OF DISABILTY INCOME.

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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 $7,919

Program Service Revenue $8,063

Investment Income $0

Other Revenue $16,346

TOTAL REVENUE $32,328

Expense Breakdown

Grants Paid $13,500

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $40,829

Other Expenses $28,847

TOTAL EXPENSES $42,347

Year-over-Year Comparison

	2025	2024	Change
Revenue	$32,328	$40,534	-0.2%
Expenses	$42,347	$16,563	+1.6%
Net Income	$-10,019	$23,971	-1.4%

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

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

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
SCOTT DOUGLAS	PRESEDENT PAST	1.00	Officer Director	$0	$0	$0
FRANK BASILE	PRESIDENT	1.00	Officer Director	$0	$0	$0
LISA FAVATA	SECRETARY	1.00	Officer Director	$0	$0	$0
JAMES LARDIERE	TREASURER	1.00	Officer Director	$0	$0	$0
CRAIG DEROSA	MEMBERSHIP CHAIR	5.00	Officer Director	$0	$0	$0
TODD LORDI	PROFESSIONAL DEV CHAIR	5.00	Director	$0	$0	$0
MARIA ROGERS	COMMUNICATIONS CHAIR	5.00	Director	$0	$0	$0
JOHN CROTTY	PROFESSIONAL DEV CHAIR	5.00	Director	$0	$0	$0
STACI GRANT	LEGISLATIVE CHAIR	5.00	Director	$0	$0	$0
KATHERINE SKILTON	MEMBERSHIP RETENTION CO-CH	5.00	Director	$0	$0	$0
EMERSON ROGERS	VICE PRESIDENT	5.00	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	$32,328	$42,347	$51,026	$-10,019
2024	No data	No data	No data	No data
2023	$22,039	$26,024	$37,074	$-3,985
2022	$24,488	$25,930	$41,059	$-1,442
2021	$19,714	$10,511	$42,501	$9,203
2020	$7,107	$9,401	$33,298	$-2,294
2019	$27,417	$23,160	$35,592	$4,257
2018	$24,250	$30,813	$31,335	$-6,563

NABIP-NORTHERN NEW JERSEY CHAPTER A NJ NONPROFIT CORPORATION