New Jersey Bankers Association
New Jersey Bankers Association: Stable Finances, High Administrative Costs
EIN: 221152260 · Cranford, NJ · Updated: 2026-04-04
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| Metric | Value |
|---|---|
| Total Revenue | $4.2M |
| Total Expenses | $4.0M |
| Program Spending | 5% |
| Net Assets | $4.9M |
| Transparency Score | 65/100 |
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New Jersey Bankers Association Form 990, Revenue, CEO Pay, and IRS Filing Signals
New Jersey Bankers Association is surfaced here as a decision-ready nonprofit financial profile, not just a charity listing. The page consolidates IRS Form 990 revenue, expenses, assets, tax-exempt classification, executive compensation, mission score, red flags, and year-by-year filing history so donors, researchers, journalists, and grant teams can answer the common search questions around New Jersey Bankers Association in one place.
Form 990 Filing Summary
13 filing years are available, with latest revenue of $4.3M and expenses of $4.0M.
Revenue and Expenses
New Jersey Bankers Association reported $4.3M in revenue and $4.0M in expenses, a surplus of $323K.
Executive Compensation
Officer, director, trustee, and key employee pay is reviewed from IRS 990 compensation disclosures when present.
Charity Score and Red Flags
65/100 mission score, 2 red flags, and 2 strengths are shown from structured and AI review.
Is New Jersey Bankers Association Legit?
Some Concerns
Assessment based on IRS 990 filings, spending patterns, and AI analysis. Not a guarantee of legitimacy. Full charity check →
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Where the Money Comes From and Where It Goes
Revenue Source Mix
Revenue-source line items are not available on the stored filing yet. Future ingestion now preserves contribution, program-revenue, and investment-income fields when ProPublica provides them.
Expense Deployment
| Program services | $198K (5%) |
Across stored filings, New Jersey Bankers Association shows contribution history pending. Next enrichment targets: revenue-source fields, IRS BMF classification.
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| Decision Lens | Signal | What to Inspect Next |
|---|---|---|
| Legitimacy | Some Concerns | Good filing record; 2 red flags identified |
| Mission spend | 5% to programs | Below Average |
| Financial durability | Grade A | 13 stored filing years |
| Peer context | Compare with Dance For The Cure Inc | New Jersey and category context |
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New Jersey Bankers Association directs 5% of its spending to programs. This falls below the 65% benchmark. Donors may want to investigate further.
About New Jersey Bankers Association
New Jersey Bankers Association (EIN: 221152260) is a nonprofit organization based in Cranford, NJ. The organization reported total revenue of $4.2M and total assets of $6.1M according to its most recent IRS 990 filing. This transparency report provides an AI-powered analysis of New Jersey Bankers Association's financial health, spending patterns, executive compensation, and overall mission effectiveness based on publicly available IRS data.
Organization Overview
New Jersey Bankers Association is a mid-size nonprofit that has been operating for 84 years, with 13 years of IRS 990 filings on record (2011–2023). Revenue has grown at a compound annual rate of 4.0%.
Key Financial Metrics (2023)
From the most recent IRS 990 filing on record:
| Total Revenue | $4.3M |
| Total Expenses | $4.0M |
| Surplus / Deficit | +$323K |
| Total Assets | $5.9M |
| Total Liabilities | $993K |
| Net Assets | $4.9M |
| Operating Margin | 7.6% |
| Debt-to-Asset Ratio | 16.9% |
| Months of Reserves | 17.9 months |
Financial Health Grade: A
In 2023, New Jersey Bankers Association reported a surplus of $323K with revenue exceeding expenses, holds 17.9 months of operating reserves (strong position), has a debt-to-asset ratio of 16.9% (very low leverage).
Financial Trends
Over 13 years of filings (2011–2023), New Jersey Bankers Association's revenue has grown at a compound annual growth rate (CAGR) of 4.0%.
| Year | Revenue Change | Expense Change | Asset Change |
|---|---|---|---|
| 2023 | +4.9% | -0.4% | +16.5% |
| 2022 | +41.8% | +29.4% | +3.3% |
| 2021 | -9.7% | -13.4% | -4.1% |
| 2020 | -19.1% | -8.6% | -8.5% |
| 2019 | +36.4% | +44.0% | -0.9% |
IRS Tax-Exempt Classification
| IRS Classification Codes | 2000 |
| IRS Ruling Date | 1942 |
Classification data from ProPublica Nonprofit Explorer. Additional BMF data may be available after enrichment.
AI Transparency Report
Mission Effectiveness Score
NonprofitSpending's AI analysis rates New Jersey Bankers Association with a Mission Score of 65 out of 100 (Good). This score reflects the organization's overall financial transparency, program spending efficiency, and governance indicators derived from IRS 990 public filings.
Spending Breakdown
- admin: 85%
- programs: 5%
- fundraising: 10%
According to IRS 990 filings, New Jersey Bankers Association allocates its expenses as follows: admin: 85%, programs: 5%, fundraising: 10%. Only 5% is directed toward programs, which may warrant further investigation by donors.
Key Financial Metrics (2023)
From the most recent IRS 990 filing on record:
- The organization reported a surplus of $323K, with revenue exceeding expenses.
- Debt-to-asset ratio: 16.9%.
Executive Compensation Analysis
Executive compensation cannot be assessed without specific salary data for key personnel, which is not provided in the given financial filings.
Executive compensation data is sourced from IRS 990 filings, which require nonprofits to disclose the compensation of officers, directors, trustees, and key employees. NonprofitSpending analyzes this data relative to the organization's total revenue and sector benchmarks to assess whether executive pay is reasonable.
Red Flags
The following concerns were identified during AI analysis of New Jersey Bankers Association's IRS 990 filings:
- High administrative expenses consistently exceed program spending, with 2023 expenses at $3,950,553 and program spending at only 5% of total expenses.
- Lack of detailed breakdown for program activities makes it difficult to ascertain the direct impact of the organization's mission.
Strengths
The following positive indicators were identified for New Jersey Bankers Association:
- Consistently positive net assets, growing from $4,815,037 in 2016 to $5,887,095 in 2023, indicating financial stability.
- Revenue has shown growth over the years, with a notable increase from $2,871,492 in 2021 to $4,273,484 in 2023.
Frequently Asked Questions about New Jersey Bankers Association
Is New Jersey Bankers Association a legitimate charity?
New Jersey Bankers Association (EIN: 221152260) is a registered tax-exempt nonprofit based in New Jersey. Our AI analysis gives it a Mission Score of 65/100. It has 13 years of IRS 990 filings on record. Total revenue: $4.2M. 2 red flags identified. 2 strengths noted. Financial health grade: A.
How does New Jersey Bankers Association spend its money?
New Jersey Bankers Association directs 5% of its spending to programs and services. Fundraising costs 10%. This falls below the 65% benchmark.
Are donations to New Jersey Bankers Association tax-deductible?
New Jersey Bankers Association is registered as a tax-exempt nonprofit (EIN: 221152260). Donations to most 501(c)(3) organizations are tax-deductible. Consult a tax professional for your specific situation.
What percentage of New Jersey Bankers Association's spending goes to programs?
New Jersey Bankers Association directs 5% to programs, 10% to fundraising. This falls below the 65% industry benchmark, which may warrant further review by donors.
Where is New Jersey Bankers Association located?
New Jersey Bankers Association is headquartered in Cranford, New Jersey and files with the IRS under EIN 221152260.
How many years of IRS 990 filings does New Jersey Bankers Association have?
New Jersey Bankers Association has 13 years of IRS 990 filings on record at NonprofitSpending. This extensive filing history provides a strong basis for evaluating long-term financial trends. The most recent filing shows $4.2M in total revenue.
What does New Jersey Bankers Association do?
New Jersey Bankers Association is a nonprofit organization in the Unknown sector, located in Cranford, New Jersey. It is classified under NTEE code Unknown.
How much revenue does New Jersey Bankers Association have?
New Jersey Bankers Association reported total revenue of $4,187,284. Based on 13 IRS 990 filings on record.
What are New Jersey Bankers Association's total assets?
New Jersey Bankers Association holds total assets of $6,122,030 as reported in IRS 990 filings.
Where is New Jersey Bankers Association located?
New Jersey Bankers Association is based in Cranford, New Jersey.
What is New Jersey Bankers Association's EIN?
New Jersey Bankers Association's Employer Identification Number (EIN) is 221152260. This is the unique tax ID assigned by the IRS for tax-exempt organizations.
What type of nonprofit is New Jersey Bankers Association?
New Jersey Bankers Association is classified under NTEE code Unknown (Unknown).
Is New Jersey Bankers Association a registered 501(c)(3)?
New Jersey Bankers Association appears in IRS records (EIN: 221152260). Check the IRS Tax Exempt Organization Search for the most current determination letter status.
Does New Jersey Bankers Association file IRS Form 990?
Yes, New Jersey Bankers Association has 13 IRS Form 990 filings on record. The most recent covers tax period 202306.
What was New Jersey Bankers Association's revenue in 2023?
In the 202306 filing period, New Jersey Bankers Association reported total revenue of $4,273,484, total expenses of $3,950,553, and net assets of $5,887,095.
Is New Jersey Bankers Association's revenue growing or declining?
New Jersey Bankers Association's revenue is relatively stable. Revenue went from $4,072,636 (202206) to $4,273,484 (202306), a +4.9% change. Based on 13 filings on record.
What is New Jersey Bankers Association's most recent 990 filing?
The most recent IRS Form 990 filing for New Jersey Bankers Association covers tax period 202306. It shows revenue of $4,273,484, expenses of $3,950,553, total assets of $5,887,095, and liabilities of $992,622.
How much does New Jersey Bankers Association spend on programs vs administration?
Based on IRS 990 analysis, New Jersey Bankers Association allocates approximately 5% of expenses to program services, 85% to administrative costs, and 10% to fundraising. Overhead costs appear high relative to program spending.
Is New Jersey Bankers Association a trustworthy charity?
Based on AI analysis of IRS 990 data, New Jersey Bankers Association shows mixed signals. Mission Score: 65/100 (Good). 2 red flags identified. 2 strengths noted.
What are the red flags for New Jersey Bankers Association?
The following concerns were identified: High administrative expenses consistently exceed program spending, with 2023 expenses at $3,950,553 and program spending at only 5% of total expenses.. Lack of detailed breakdown for program activities makes it difficult to ascertain the direct impact of the organization's mission.. These flags are based on automated analysis of IRS 990 public filings and should be verified independently.
What are New Jersey Bankers Association's strengths?
Positive indicators for New Jersey Bankers Association include: Consistently positive net assets, growing from $4,815,037 in 2016 to $5,887,095 in 2023, indicating financial stability.. Revenue has shown growth over the years, with a notable increase from $2,871,492 in 2021 to $4,273,484 in 2023.. These findings are derived from AI analysis of the organization's financial filings.
How does New Jersey Bankers Association compensate executives?
Executive compensation cannot be assessed without specific salary data for key personnel, which is not provided in the given financial filings. Executive compensation data is sourced from IRS 990 filings, which require disclosure of officer, director, and key employee pay.
Given the high administrative costs, what specific value does the New Jersey Bankers Association provide to its members that justifies this spending ratio?
The provided data does not detail specific member services or benefits that would explain the high administrative-to-program spending ratio. Further investigation into their operational activities and member offerings would be necessary.
Filing History
IRS 990 filing history for New Jersey Bankers Association showing financial trends over 13 years of public records:
Over 13 years of IRS 990 filings (2011–2023), New Jersey Bankers Association's revenue has grown by 59.6%, moving from $2.7M to $4.3M. Total assets increased by 29.8% over the same period, from $4.5M to $5.9M. Total functional expenses rose by 58.8%, from $2.5M to $4.0M. In its most recent filing year (2023), New Jersey Bankers Association reported a surplus of $323K, with revenue exceeding expenses. The organization holds $993K in liabilities against $5.9M in assets (debt-to-asset ratio: 16.9%), resulting in net assets of $4.9M.
| Year | Revenue | Expenses | Assets | Liabilities | Officer Comp. % | |
|---|---|---|---|---|---|---|
| 2023 | $4.3M | $4.0M | $5.9M | $993K | — | View 990 |
| 2022 | $4.1M | $4.0M | $5.1M | $490K | — | View 990 |
| 2021 | $2.9M | $3.1M | $4.9M | $438K | — | — |
| 2020 | $3.2M | $3.5M | $5.1M | $463K | — | — |
| 2019 | $3.9M | $3.9M | $5.6M | $562K | — | View 990 |
| 2018 | $2.9M | $2.7M | $5.6M | $675K | — | View 990 |
| 2017 | $2.9M | $2.6M | $5.2M | $443K | — | View 990 |
| 2016 | $2.7M | $2.5M | $4.8M | $356K | — | View 990 |
| 2015 | $2.8M | $2.6M | $4.6M | $366K | — | View 990 |
| 2014 | $2.8M | $2.4M | $4.3M | $272K | — | View 990 |
| 2013 | $2.8M | $2.6M | $3.9M | $391K | — | View 990 |
| 2012 | $2.8M | $2.5M | $4.5M | $1.8M | — | — |
| 2011 | $2.7M | $2.5M | $4.5M | $1.6M | — | View 990 |
Year-by-Year Financial Summary
- 2023: Revenue of $4.3M, expenses of $4.0M, and assets of $5.9M (revenue +4.9% year-over-year).
- 2022: Revenue of $4.1M, expenses of $4.0M, and assets of $5.1M (revenue +41.8% year-over-year).
- 2021: Revenue of $2.9M, expenses of $3.1M, and assets of $4.9M (revenue -9.7% year-over-year).
- 2020: Revenue of $3.2M, expenses of $3.5M, and assets of $5.1M (revenue -19.1% year-over-year).
- 2019: Revenue of $3.9M, expenses of $3.9M, and assets of $5.6M (revenue +36.4% year-over-year).
- 2018: Revenue of $2.9M, expenses of $2.7M, and assets of $5.6M (revenue -0.8% year-over-year).
- 2017: Revenue of $2.9M, expenses of $2.6M, and assets of $5.2M (revenue +6.2% year-over-year).
- 2016: Revenue of $2.7M, expenses of $2.5M, and assets of $4.8M (revenue -2.9% year-over-year).
- 2015: Revenue of $2.8M, expenses of $2.6M, and assets of $4.6M (revenue -0.7% year-over-year).
- 2014: Revenue of $2.8M, expenses of $2.4M, and assets of $4.3M (revenue +1.2% year-over-year).
- 2013: Revenue of $2.8M, expenses of $2.6M, and assets of $3.9M (revenue +0.5% year-over-year).
- 2012: Revenue of $2.8M, expenses of $2.5M, and assets of $4.5M (revenue +4.3% year-over-year).
- 2011: Revenue of $2.7M, expenses of $2.5M, and assets of $4.5M.
View Individual Filing Years
Explore detailed financial data from each IRS 990 filing year for New Jersey Bankers Association:
Data Sources and Methodology
This transparency report for New Jersey Bankers Association is generated by NonprofitSpending's AI analysis engine. The data is sourced from publicly available IRS 990 filings accessed through the ProPublica Nonprofit Explorer API and IRS electronic filing records. The Mission Score, spending breakdown, and other analytical insights are produced by artificial intelligence and should be used as one of multiple factors when evaluating a nonprofit organization.
IRS 990 forms are annual information returns that most tax-exempt organizations must file with the IRS. These forms provide detailed financial information including revenue, expenses, assets, liabilities, and compensation of officers. NonprofitSpending processes this data to provide accessible transparency reports for donors, researchers, and the general public.
Disclaimer
AI-generated analysis based on IRS public records. Not financial or legal advice. Verify information directly with the organization.