CENTRAL JERSEY ABIP INC

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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

2023

Legal Domicile

Principal Officer

CASSANDRA GIBSON

Phone

9087979703

Tax Period

2025-01-01 to 2025-12-31

CENTRAL JERSEY ABIP INC, founded in 2023, is a micro nonprofit in the Mutual Benefit sector that reported $17K in total revenue in fiscal year 2025. Revenue fell 35% from the prior year — a significant decline worth monitoring. The organization ran a surplus of $11K, a strong 62% operating margin.

Mission

HEALTH INSURANCE PROFESSIONALS MEMBERSHIP ASSOCIATION LOCATED IN THE CENTRAL JERSEY AREA OF THE STATE OF NEW JERSEY

Program Service Accomplishments

Program 1

Expenses: $17,168 Revenue: $17,168

HEALTH INSURANCE PROFESSIONALS MEMBERSHIP ASSOCIATION LOCATED IN THE CENTRAL JERSEY AREA OF THE STATE OF NEW JERSEY

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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 $17,167

Program Service Revenue $0

Investment Income $0

Other Revenue $0

TOTAL REVENUE $17,167

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $17,168

Other Expenses $6,554

TOTAL EXPENSES $6,554

Year-over-Year Comparison

	2025	2024	Change
Revenue	$17,167	$26,565	-0.4%
Expenses	$6,554	$15,836	-0.6%
Net Income	$10,613	$10,729	0.0%

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

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
CASSANDRA GIBSON	DIRECTOR	1	Director	$0	$0	$0
RYAN DOYLE	DIRECTOR	1	Director	$0	$0	$0
CHRISTOPHER VANDERWOLK	DIRECTOR	1	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	$17,167	$6,554	$17,167	$10,613
2024	$26,565	$15,836	$33,656	$10,729