Civic Intelligence

New Jersey Coalition for Financial

EIN 22-3743460 • 501(c)3 • Trenton, NJ

Profile

The goal of the new jersey coalition for financial education (njcfe) is to improve the personal financial literacy of new jersey's citizens by promoting the teaching of personal finance to people of all ages. The coalition believes that all citizens of new jersey must have the financial literacy necessary to make informed financial decisions.

308 W State StTrenton, NJ 08618

www.njcfe.org

Siviq Scores

Precomputed percentiles relative to similar nonprofits. These scores are descriptive rather than judgmental.

Liabilities / Assets

Score unavailable

No value available

Liabilities-to-assets requires both liabilities and assets on the latest valid filing.

Source year 2024

Liabilities / Revenue

Score unavailable

No value available

Liabilities-to-revenue requires both liabilities and revenue on the latest valid filing.

Source year 2024

Net Margin

1st percentile

-2003%

Higher net margin than 1% of similar nonprofits.

NTEE P • <$500k nonprofits • Source year 2024

Top Officer Pay

83rd percentile

$0

Higher top officer pay than 83% of similar nonprofits.

Top officer pay equals 0.0% of source-year revenue.

NTEE P • <$500k nonprofits • Source year 2024

Asset Growth

9th percentile

-76%

Faster asset growth than 9% of similar nonprofits.

NTEE P • <$500k nonprofits • Annualized from 2023 to 2024

Revenue Growth

6th percentile

-90%

Faster revenue growth than 6% of similar nonprofits.

NTEE P • <$500k nonprofits • Annualized from 2023 to 2024

Assets

Down

$12,608

Down $39,626 (-76%) from 2023

Liabilities

-

No earlier filing loaded for comparison.

Net Assets

$12,608

No earlier filing loaded for comparison.

Revenue

Down

$1,978

Down $18,212 (-90%) from 2023

Expenses

Down

$41,604

Down $23,652 (-36%) from 2023

Net Income

Up

-$39,626

Up $5,440 (+12%) from 2023

Trend Graphs

Balance Sheet Trend

Grouped bars show assets, liabilities, and net assets across loaded filings.

$150K$100K$50K$0Assets 2011: $46,053Liabilities 2011: $36,3332011Assets 2012: $49,045Liabilities 2012: $18,4832012Assets 2013: $75,950Liabilities 2013: $18,483Net Assets 2013: $57,4672013Assets 2014: $62,040Liabilities 2014: $18,483Net Assets 2014: $43,5572014Assets 2015: $63,064Liabilities 2015: $16,438Net Assets 2015: $46,6262015Assets 2016: $106,025Liabilities 2016: $16,438Net Assets 2016: $89,5872016Assets 2017: $62,332Liabilities 2017: $16,438Net Assets 2017: $45,8942017Assets 2018: $55,288Liabilities 2018: $16,438Net Assets 2018: $38,8502018Assets 2019: $18,379Liabilities 2019: $0Net Assets 2019: $18,3792019Assets 2020: $40,117Net Assets 2020: $40,1172020Assets 2021: $50,745Net Assets 2021: $50,7452021Assets 2022: $97,300Liabilities 2022: $02022Assets 2023: $52,234Liabilities 2023: $02023Assets 2024: $12,608Net Assets 2024: $12,6082024

Highlighted filing

2024

Assets$12,608
Liabilities-
Net Assets$12,608

Operations Trend

Revenue, expenses, and net income by year, with the latest filing highlighted.

$200K$100K$0-$100KRevenue 2011: $84,878Expenses 2011: $90,366Net Income 2011: -$5,4882011Revenue 2012: $91,820Expenses 2012: $88,828Net Income 2012: $2,9922012Revenue 2013: $122,720Expenses 2013: $95,815Net Income 2013: $26,9052013Revenue 2014: $81,905Expenses 2014: $95,815Net Income 2014: -$13,9102014Revenue 2015: $98,324Expenses 2015: $95,255Net Income 2015: $3,0692015Revenue 2016: $167,017Expenses 2016: $124,056Net Income 2016: $42,9612016Revenue 2017: $58,583Expenses 2017: $102,276Net Income 2017: -$43,6932017Revenue 2018: $108,827Expenses 2018: $115,871Net Income 2018: -$7,0442018Revenue 2019: $75,858Expenses 2019: $97,391Net Income 2019: -$21,5332019Revenue 2020: $76,061Expenses 2020: $54,323Net Income 2020: $21,7382020Revenue 2021: $73,763Expenses 2021: $63,135Net Income 2021: $10,6282021Revenue 2022: $113,631Expenses 2022: $67,076Net Income 2022: $46,5552022Revenue 2023: $20,190Expenses 2023: $65,256Net Income 2023: -$45,0662023Revenue 2024: $1,978Expenses 2024: $41,604Net Income 2024: -$39,6262024

Highlighted filing

2024

Revenue$1,978
Expenses$41,604
Net Income-$39,626

Filings

Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$0.13$0.13$0.02$0.42$0.40
2023Summary only. Only limited summary data is available for this year.$0.52$0.00$0.20$0.65$0.45
2022Summary only. Only limited summary data is available for this year.$0.97$0.00$1.14$0.67$0.47
2021Detailed filing. Detailed filing data is available for this year.$0.51$0.51$0.74$0.63$0.11
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$0.40$0.40$0.76$0.54$0.22
2019Detailed filing. Detailed filing data is available for this year.$0.18$0.00$0.18$0.76$0.97$0.22
2018XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$0.55$0.16$0.39$1.09$1.16$0.07
2017Detailed filing. Detailed filing data is available for this year.$0.62$0.16$0.46$0.59$1.02$0.44
2016XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$1.06$0.16$0.90$1.67$1.24$0.43
2015Detailed filing. Detailed filing data is available for this year.$0.63$0.16$0.47$0.98$0.95$0.03
2014Detailed filing. Detailed filing data is available for this year.$0.62$0.18$0.44$0.82$0.96$0.14
2013Detailed filing. Detailed filing data is available for this year.$0.76$0.18$0.57$1.23$0.96$0.27
2012Summary only. Only limited summary data is available for this year.$0.49$0.18$0.92$0.89$0.03
2011Summary only. Only limited summary data is available for this year.$0.46$0.36$0.85$0.90$0.05
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
May 13, 2025
Return Version
2024v5.2
Gross Receipts
$1,978
Mission and Program Overview

Mission

The goal of the new jersey coalition for financial education (njcfe) is to improve the personal financial literacy of new jersey's citizens by promoting the teaching of personal finance to people of all ages. The coalition believes that all citizens of new jersey must have the financial literacy necessary to make informed financial decisions.

SEE SCHEDULE O

Program Services

DescriptionGrantsExpenses
FINANCIAL EDUCATION PROGRAMS, INCLUDING MONEYWISE EDUCATION CLASSES, TEACHER TRAINING AND OTHER FINANCIAL LITERACY PROGRAMS.$0$0
GOAL OF THE COALITION FOR FINANCIAL EDUCATION (NJCFE) ISTO IMPROVE THE PERSONAL FINANCIAL LITERACY OF NJ CITIZENSBY PROMOTING THE TEACHING OF PERSONAL FINANCE.$0$0
GOAL OF THE NJ COALITION FOR FINANCIAL EDUCATION (NJCFE) IS TO IMPROVE THE PERSONAL FINANCIAL LITERACY OF NJ CITIZENS BY PROMOTING THE TEACHING OF PERSONAL FINANCE. NJCPE BELIEVES THAT ALL NJ CITIZENS NEEDS FINANCIAL LITERACY TO MAKE INFORMED FINANCIAL DECISIONS.--
Compensation and Service Providers

Employees

NameTitleFull / Part TimeBaseOtherTotal
KIMBERLY COLEChairwoman-$0--
PATRICIA BERHAUVice Chair-$0--
TRACY RIMPLETreasurer-$0--
GRANT GALLAGHERSecretary-$0--
SCOTT COHENBoard Member-$0--
DAVID VINOKUROVBoard Member-$0--
MARYANNE EVANKOImmediate Past Chair-$0--
MICHAEL DRULISExecutive DirectorPT$0--
Filing and Contact Details

Filer

Filer Name
New Jersey Coalition for Financial Education
EIN
22-3743460
Phone
6093063810
Address
308 W STATE ST, TRENTON, NJ 08618

Signing Officer

Name
Michael Drulis
Title
Executive Director
Phone
6093063810
Signed
2025-05-13

Preparer

Firm
Frank Gatarz CPA
Address
PO Box 255, Whitehouse, NJ 08888
Preparer
Frank Gatarz
Phone
9085345526
Supplemental Narrative

Additional Explanations

Pt III, Line 31

Goal of the nj coalition for financial education (njcfe) is to improve the personal financial literacy of nj citizens by promoting the teaching of personal finance. Njcpe believes that all nj citizens needs financial literacy to make informed financial decisions.

Form 990EZ, Part I, Line 16

BOOKKEEPING 1500.

Form 990EZ, Part I, Line 16

GENERAL MANAGEMENT 1649.

Form 990EZ, Part I, Line 16

BANKING FEES 119.

Form 990EZ, Part I, Line 16

Management software 28270.

Form 990EZ, Part I, Line 16

ASSOCIATION FEES 2100.

Form 990EZ, Part I, Line 16

PROGRAM EXPENSES 1102.

Form 990EZ, Part I, Line 16

Dues & subscriptions 1200.

Form 990EZ, Part I, Line 16

Conferences & meetings 1014.

Form 990EZ, Part I, Line 16

OFFICE EXPENSE 170.

Form 990EZ, Part I, Line 16

CONNECTIVITY 1760.

Form 990EZ, Part I, Line 16

Advertising & marketing 268.

Form 990EZ, Part I, Line 16

CONTRIBUTIONS 522.

Form 990EZ, Part I, Line 16

OUTSIDE SERVICES 33.

Form 990EZ, Part II, Line 24

ACCOUNTS RECEIVABLE

Form 990EZ, Part II, Line 26

DEFERRED GRANT INCOME

Raw XML Appendix211 raw XML fields

This appendix keeps the raw XML leaves available for debugging and edge-case review. The human report above is the primary experience.

Path#Value
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IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm0KIMBERLY COLE
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm1PATRICIA BERHAU
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm2TRACY RIMPLE
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm3GRANT GALLAGHER
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm4SCOTT COHEN
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IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt0CHAIRWOMAN
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt1VICE CHAIR
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt2TREASURER
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt3SECRETARY
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt4BOARD MEMBER
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt5BOARD MEMBER
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt6IMMEDIATE PAST CHAIR
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt7EXECUTIVE DIRECTOR
IRS990EZ/OperateHospitalInd0false
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IRS990EZ/OrganizationDissolvedEtcInd0false
IRS990EZ/OrganizationHadUBIInd0false
IRS990EZ/OtherExpensesTotalAmt039707
IRS990EZ/PartVIHghstPdCntrctProfSrvcTxt0NONE
IRS990EZ/PartVIOfCompOfHghstPdEmplTxt0NONE
IRS990EZ/PoliticalCampaignActyInd0false
IRS990EZ/PrimaryExemptPurposeTxt0SEE SCHEDULE O
IRS990EZ/PrintingPublicationsPostageAmt01897
IRS990EZ/ProgramServiceRevenueAmt00
IRS990EZ/ProgramSrvcAccomplishmentGrp/DescriptionProgramSrvcAccomTxt0FINANCIAL EDUCATION PROGRAMS, INCLUDING MONEYWISE EDUCATION CLASSES, TEACHER TRAINING AND OTHER FINANCIAL LITERACY PROGRAMS.
IRS990EZ/ProgramSrvcAccomplishmentGrp/DescriptionProgramSrvcAccomTxt1GOAL OF THE COALITION FOR FINANCIAL EDUCATION (NJCFE) ISTO IMPROVE THE PERSONAL FINANCIAL LITERACY OF NJ CITIZENSBY PROMOTING THE TEACHING OF PERSONAL FINANCE.
IRS990EZ/ProgramSrvcAccomplishmentGrp/DescriptionProgramSrvcAccomTxt2GOAL OF THE NJ COALITION FOR FINANCIAL EDUCATION (NJCFE) IS TO IMPROVE THE PERSONAL FINANCIAL LITERACY OF NJ CITIZENS BY PROMOTING THE TEACHING OF PERSONAL FINANCE. NJCPE BELIEVES THAT ALL NJ CITIZENS NEEDS FINANCIAL LITERACY TO MAKE INFORMED FINANCIAL DECISIONS.
IRS990EZ/ProgramSrvcAccomplishmentGrp/GrantsAndAllocationsAmt00
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IRS990EZ/ProgramSrvcAccomplishmentGrp/ProgramServiceExpensesAmt00
IRS990EZ/ProgramSrvcAccomplishmentGrp/ProgramServiceExpensesAmt10
IRS990EZ/ProhibitedTaxShelterTransInd0false
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IRS990EZ/ScheduleBNotRequiredInd0X
IRS990EZ/SchoolOperatingInd0false
IRS990EZ/SpecialEventsDirectExpensesAmt00
IRS990EZ/SpecialEventsNetIncomeLossAmt00
IRS990EZ/SubjectToProxyTaxInd0false
IRS990EZ/TanningServicesProvidedInd0false
IRS990EZ/TotalExpensesAmt041604
IRS990EZ/TotalProgramServiceExpensesAmt00
IRS990EZ/TotalRevenueAmt01978
IRS990EZ/TransactionWithControlEntInd0false
IRS990EZ/TrnsfrExmptNonChrtblRltdOrgInd0false
IRS990EZ/TypeOfOrganizationCorpInd0X
IRS990EZ/WebsiteAddressTxt0N/A
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearMinus1YearAmt019967
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IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0GOAL OF THE NJ COALITION FOR FINANCIAL EDUCATION (NJCFE) IS TO IMPROVE THE PERSONAL FINANCIAL LITERACY OF NJ CITIZENS BY PROMOTING THE TEACHING OF PERSONAL FINANCE. NJCPE BELIEVES THAT ALL NJ CITIZENS NEEDS FINANCIAL LITERACY TO MAKE INFORMED FINANCIAL DECISIONS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1BOOKKEEPING 1500.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2GENERAL MANAGEMENT 1649.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3BANKING FEES 119.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4MANAGEMENT SOFTWARE 28270.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5ASSOCIATION FEES 2100.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6PROGRAM EXPENSES 1102.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt7DUES & SUBSCRIPTIONS 1200.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt8CONFERENCES & MEETINGS 1014.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt9OFFICE EXPENSE 170.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt10CONNECTIVITY 1760.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt11ADVERTISING & MARKETING 268.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt12CONTRIBUTIONS 522.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt13OUTSIDE SERVICES 33.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt14ACCOUNTS RECEIVABLE
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt15DEFERRED GRANT INCOME
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Pt III, Line 31
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Form 990EZ, Part I, Line 16
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2Form 990EZ, Part I, Line 16
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3Form 990EZ, Part I, Line 16
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4Form 990EZ, Part I, Line 16
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5Form 990EZ, Part I, Line 16
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6Form 990EZ, Part I, Line 16
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc7Form 990EZ, Part I, Line 16
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc8Form 990EZ, Part I, Line 16
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc9Form 990EZ, Part I, Line 16
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc10Form 990EZ, Part I, Line 16
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc11Form 990EZ, Part I, Line 16
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc12Form 990EZ, Part I, Line 16
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc13Form 990EZ, Part I, Line 16
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc14Form 990EZ, Part II, Line 24
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc15Form 990EZ, Part II, Line 26
ReturnHeader/BuildTS02025-03-06 01:10:19Z
ReturnHeader/BusinessOfficerGrp/PersonNm0MICHAEL DRULIS
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0EXECUTIVE DIRECTOR
ReturnHeader/BusinessOfficerGrp/PhoneNum06093063810
ReturnHeader/BusinessOfficerGrp/SignatureDt02025-05-13
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0NEW JERSEY COALITION FOR FINANCIAL EDUCATION
ReturnHeader/Filer/BusinessNameControlTxt0NEWJ
ReturnHeader/Filer/EIN0223743460
ReturnHeader/Filer/PhoneNum06093063810
ReturnHeader/Filer/USAddress/AddressLine1Txt0308 W STATE ST
ReturnHeader/Filer/USAddress/CityNm0TRENTON
ReturnHeader/Filer/USAddress/StateAbbreviationCd0NJ
ReturnHeader/Filer/USAddress/ZIPCd008618
ReturnHeader/IRSResponsiblePrtyInfoCurrInd0true
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0223744453
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0Frank Gatarz CPA
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt0PO Box 255
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0Whitehouse
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0NJ
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd008888
ReturnHeader/PreparerPersonGrp/PhoneNum09085345526
ReturnHeader/PreparerPersonGrp/PreparationDt02025-10-10
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0FRANK GATARZ
ReturnHeader/PreparerPersonGrp/SelfEmployedInd0X
ReturnHeader/ReturnTs02025-10-10T07:44:56-07:00
ReturnHeader/ReturnTypeCd0990EZ
ReturnHeader/TaxPeriodBeginDt02024-01-01
ReturnHeader/TaxPeriodEndDt02024-12-31
ReturnHeader/TaxYr02024

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