NEW JERSEY STATE FIREMENS ASSOC-SPRING LAKE (EIN 510233604) - 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

1893

Legal Domicile

Tax Period

2025-01-01 to 2025-12-31

NEW JERSEY STATE FIREMENS ASSOC-SPRING LAKE, founded in 1893, is a small nonprofit that reported $132K in total revenue in fiscal year 2025. Revenue surged 22% from the prior year, signaling strong growth momentum. The organization ran a surplus of $40K, a strong 30% operating margin.

Mission

THIS ORGANIZATION WAS CREATED BY NJ STATUTE. THE PURPOSE OF THE ORGANIZATION BY STATE STATUTE IS TO PROVIDE FINANCIAL SUPPORT TO NEEDY OR INDIGENT FIREFIGHTERS AND/OR THEIR FAMILIES. PRIMARY FUNDING IS BY PREMIUM TAX & INVESTMENT 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 $0

Program Service Revenue $101,107

Investment Income $30,822

Other Revenue $0

TOTAL REVENUE $131,929

Expense Breakdown

Grants Paid $0

Salaries & Benefits $10,000

Fundraising Expenses $0

Program Expenses $91,694

Other Expenses $81,694

TOTAL EXPENSES $91,694

Year-over-Year Comparison

	2025	2024	Change
Revenue	$131,929	$107,876	+0.2%
Expenses	$91,694	$74,456	+0.2%
Net Income	$40,235	$33,420	+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

$10,000

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
EDWARD MEGILL	SECRETARYREPRESENTATIVE	1.00	Officer	$5,000	$0	$5,000
A BRUCE OCONNOR	TREASURER	1.00	Officer	$5,000	$0	$5,000
DOUG BROPHY	TRUSTEE-CHAIRMAN	0.10	Director	$0	$0	$0
RUSSELL BRAHN	TRUSTEESECRETARY	0.10	Director	$0	$0	$0
SCOTT MASON Jr	TRUSTEE	0.10	Director	$0	$0	$0
GAYLE BROWN	PRESIDENTREPRESENTATIVE	0.10	Officer	$0	$0	$0
ROSARIO FRANCOLINO	VICE PRESIDENTREPRESENTATIVE	0.10	Officer	$0	$0	$0
EDWIN HALE	CHIEFREPRESENTATIVE	0.10	Officer	$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	$131,929	$91,694	$783,188	$40,235
2024	$107,876	$74,456	$738,758	$33,420
2023	$70,547	$43,384	$705,421	$27,163
2022	$53,799	$63,137	$674,576	$-9,338
2021	$49,057	$36,049	$688,078	$13,008
2020	$84,842	$51,424	$676,442	$33,418
2019	$75,929	$61,279	$642,534	$14,650
2018	$66,654	$47,540	$627,296	$19,114

NEW JERSEY STATE FIREMENS ASSOC-SPRING LAKE