GLEN ROCK, NJ
4 risk indicators measuring financial stability and operational resilience
Sign in with your work email to view Tuckman-Chang indicators
Sign In — Free (10 views/day)MSO INC, founded in 1991, is a community nonprofit that reported $4.3M in total revenue in fiscal year 2025. Revenue grew 14% year-over-year, indicating healthy expansion. The organization ran a surplus of $961K, a strong 22% operating margin.
THE ORGANIZATION'S PURPOSE AND MISSION IS TO PROVIDE PROPERTY & CASUALTY INSURANCE CARRIERS WITH COMMERCIAL AND PERSONAL LINES PROGRAMS WHICH INCLUDE FORMS, RATES, AND /OR LOSS COSTS. THESE PROGRAMS WILL BE DEVELOPED AND FILED AS NEEDED IN THE US DOMESTIC MARKET. THE INTELLECTUAL PROPERTY CREATED WILL BE MADE AVAILABLE UNDER A SUBSCRIBER AGREEMENT MODEL AT A REASONABLE MARKET BASED COST. IN ADDITION, AS PART OF ITS MISSION MSO PROVIDES EDUCATIONAL SERVICES TO THE PROPERTY AND CASUALTY INDUSTRY FOR THE CONTINUED EDUCATION OF INSUREDS, AGENTS/BROKERS, AND INSURANCE CARRIERS AND THEIR STAFFS.
Financial Health Score (300–850) · Liquidity · Solvency · Sustainability · Efficiency
Sign in to view Trantor Score and financial metrics
Liquidity (40%) • Solvency (30%) • Sustainability (20%) • Efficiency (10%)
Sign In — Free (10 views/day)| 2025 | 2024 | Change | |
|---|---|---|---|
| Revenue | $4,328,412 | $3,785,740 | +0.1% |
| Expenses | $3,366,990 | $3,182,192 | +0.1% |
| Net Income | $961,422 | $603,548 | +0.6% |
Comprehensive financial analysis: Altman Z-Score, liquidity, solvency, sustainability, efficiency, and growth metrics
Financial Distress Indicator
Liquidity & Cash Position
Sign in to view all financial metrics
Altman Z-Score • Liquidity Ratios • Solvency Analysis • Growth Indicators • Efficiency Metrics
Sign In| Name | Title | Hours/Week | Role | Reportable Comp | Other Comp | Total |
|---|---|---|---|---|---|---|
| MICHAEL L FARON | TRUSTEE | 1.00 |
Director
|
$7,000 | $0 | $7,000 |
| BRIAN P LYTWYNEC | TRUSTEE | 1.00 |
Director
|
$7,000 | $0 | $7,000 |
| EDWARD D AROVAS | TRUSTEE | 1.00 |
Director
|
$6,000 | $0 | $6,000 |
| ERIC P SCHMADER | TRUSTEE | 1.00 |
Director
|
$6,000 | $0 | $6,000 |
| KAREN S FULTON | TRUSTEE | 1.00 |
Director
|
$4,500 | $0 | $4,500 |
| DONALD SCOTT ST ANGEL | CHAIRMAN | 1.00 |
Officer
Director
|
$12,500 | $0 | $12,500 |
| ALLEN RAY SORENSEN | VICE CHAIRMAN | 1.00 |
Officer
Director
|
$8,250 | $0 | $8,250 |
| JAMES R DOHERTY | TREASURER | 1.00 |
Officer
Director
|
$6,000 | $0 | $6,000 |
| JANICE SCITES | PRESIDENT & CEO | 40.00 |
Officer
Director
|
$309,159 | $12,035 | $321,194 |
| JAN KOZLOWSKI | SR VICE PRESIDENT | 40.00 |
Officer
|
$71,371 | $2,869 | $74,240 |
| RICHARD PELKOFSKY | ASSISTANT VICE PRESIDENT | 40.00 |
Officer
|
$115,530 | $14,772 | $130,302 |
| DEBRA KLINE | ASSISTANT VICE PRESIDENT,OPERATIONS | 40.00 |
Officer
|
$117,005 | $14,692 | $131,697 |
| LEOPOLD BLACK | VICE PRESIDENT, ACTUARIAL SERVICES | 40.00 |
Officer
|
$129,556 | $15,277 | $144,833 |
| MARY BEEGLE | VICE PRESIDENT, NATIONAL PROGRAMS | 40.00 |
Officer
|
$110,789 | $21,371 | $132,160 |
| SUE QUIMBY | SR. VICE PRESIDENT, MEDIA EDITOR | 40.00 |
Officer
|
$136,654 | $15,500 | $152,154 |
| PATRICE RIGGIO | VICE PRESIDENT OF COMPLINACE SERVICES | 40.00 |
Officer
|
$127,290 | $14,706 | $141,996 |
| Year | Revenue | Expenses | Assets | Net Income |
|---|---|---|---|---|
| 2025 | $4,328,412 | $3,366,990 | $3,377,940 | $961,422 |
| 2024 | $3,785,740 | $3,182,192 | $2,385,386 | $603,548 |
| 2023 | $3,320,617 | $2,850,176 | $1,776,742 | $470,441 |
| 2022 | $2,818,417 | $2,821,116 | $1,236,161 | $-2,699 |
| 2021 | $3,078,456 | $2,827,839 | $1,212,682 | $250,617 |
| 2020 | $2,510,858 | $2,769,337 | $1,141,446 | $-258,479 |
| 2019 | $2,566,563 | $2,831,703 | $1,460,587 | $-265,140 |
| 2018 | $2,595,224 | $2,815,298 | $1,537,972 | $-220,074 |
Compare MSO INC with other nonprofits in New Jersey and across the country.