NEW JERSEY STATE FIREMENS ASSOCIATION (EIN 510233643) - 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

1960

Legal Domicile

Principal Officer

Patrick Cardinali

Phone

2019205764

Tax Period

2023-01-01 to 2023-12-31

NEW JERSEY STATE FIREMENS ASSOCIATION, founded in 1960, is a micro nonprofit that reported $79K in total revenue in fiscal year 2023. Revenue grew 17% year-over-year, indicating healthy expansion. The organization ran a surplus of $49K, a strong 62% operating margin.

Mission

Provide Financial Assistance to Indigent Families in the Fire Department.

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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 $66,838

Program Service Revenue $0

Investment Income $12,120

Other Revenue $0

TOTAL REVENUE $78,958

Expense Breakdown

Grants Paid $0

Salaries & Benefits $11,310

Fundraising Expenses $0

Program Expenses $13,500

Other Expenses $5,124

TOTAL EXPENSES $29,934

Year-over-Year Comparison

	2023	2022	Change
Revenue	$78,958	$67,215	+0.2%
Expenses	$29,934	$23,214	+0.3%
Net Income	$49,024	$44,001	+0.1%

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

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

$8,350

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Patrick Cardinali	Treasurer	4	Officer	$3,800	$0	$3,800
Glen Michelin	Secretary	4	Officer	$3,000	$0	$3,000
10 total Reps and Trustees	Representatives and Trustees	1		$0	$2,960	$2,960
Manuel Arenal	President	1	Officer	$1,050	$0	$1,050
Orlando Trujillo	Vice President	1	Officer	$0	$500	$500

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
2024	No data	No data	No data	No data
2023	$78,958	$29,934	$897,850	$49,024
2022	$67,215	$23,214	$848,826	$44,001
2021	$74,585	$50,335	$804,825	$24,250
2020	$79,699	$27,638	$780,575	$52,061

NEW JERSEY STATE FIREMENS ASSOCIATION