New Jersey State Firemen's Association - Monmouth Junction (EIN 510233495) - 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

1926

Legal Domicile

Principal Officer

Daniel J Murphy

Phone

7325015607

Tax Period

2023-01-01 to 2023-12-31

New Jersey State Firemen's Association - Monmouth Junction, founded in 1926, is a small nonprofit that reported $262K in total revenue in fiscal year 2023. Revenue grew 16% year-over-year, indicating healthy expansion. The organization ran a surplus of $76K, a strong 29% operating margin.

Mission

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

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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 (2023)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $247,051

Investment Income $15,183

Other Revenue $25

TOTAL REVENUE $262,259

Expense Breakdown

Grants Paid $0

Salaries & Benefits $2,355

Fundraising Expenses $0

Program Expenses $182,351

Other Expenses $156,708

TOTAL EXPENSES $186,063

Year-over-Year Comparison

	2023	2022	Change
Revenue	$262,259	$226,036	+0.2%
Expenses	$186,063	$170,440	+0.1%
Net Income	$76,196	$55,596	+0.4%

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

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

$1,680

Total Directors

$675

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Brian T Wisner	President	2.00	Officer	$0	$300	$300
Robert D Cioffi	Vice President	1.50	Officer	$0	$200	$200
Daniel J Murphy	Treasurer	2.00	Officer	$0	$590	$590
Mark A Ragnoli	Secretary	2.50	Officer	$0	$590	$590
Michael Grennen	Trustee	1.00	Director	$0	$125	$125
Thomas C Miele	Trustee	1.00	Director	$0	$75	$75
Sean Sidoti	Trustee	1.00	Director	$0	$125	$125
Timothy Murphy	ExemptTrustee	1.00	Director	$0	$25	$25
Sean Wert	Representative	1.00	Director	$0	$125	$125
Edward Adamko	Representative	1.00	Director	$0	$50	$50
Lawrence E Rosenberg	Representative	1.00	Director	$0	$100	$100
Nicholas A Berezansky	Representative	1.00	Director	$0	$50	$50

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	No data	No data	No data	No data
2024	No data	No data	No data	No data
2023	$262,259	$186,063	$845,608	$76,196
2022	$226,036	$170,440	$769,412	$55,596
2021	$278,500	$184,414	$713,816	$94,086
2020	$176,047	$113,487	$619,731	$62,560
2019	$160,920	$113,516	$557,171	$47,404
2018	$137,651	$106,480	$509,767	$31,171

New Jersey State Firemen's Association - Monmouth Junction