MERRIMACK VALLEY UNITED JEWISH COMMUNITIES INC (EIN 042992252) - 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

1988

Legal Domicile

Principal Officer

JON BRODY

Phone

9786880466

Tax Period

2024-03-01 to 2025-02-28

MERRIMACK VALLEY UNITED JEWISH COMMUNITIES INC, founded in 1988, is a micro nonprofit that reported $27K in total revenue in fiscal year 2024. Revenue fell 80% from the prior year — a significant decline worth monitoring. Expenses of $143K exceeded revenue, resulting in a 424% operating deficit.

Mission

PROVIDED FUNDING TO VARIOUS JEWISH EDUCATIONAL AND SOCIAL PROGRAMS

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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 (2024)

Revenue Breakdown

Contributions & Grants $24,032

Program Service Revenue $3,212

Investment Income $1

Other Revenue $0

TOTAL REVENUE $27,245

Expense Breakdown

Grants Paid $0

Salaries & Benefits $113,082

Fundraising Expenses $0

Program Expenses $15,806

Other Expenses $29,727

TOTAL EXPENSES $142,809

Year-over-Year Comparison

	2024	2023	Change
Revenue	$27,245	$134,103	-0.8%
Expenses	$142,809	$125,280	+0.1%
Net Income	$-115,564	$8,823	-14.1%

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

Employees

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
JON BRODY	PRESIDENT	1.00	Officer Director	$0	$0	$0
DAVID BROWN	DIRECTOR	0.50	Director	$0	$0	$0
RICHARD FINK	VICE-PRESIDE	1.00	Officer Director	$0	$0	$0
ANN KAZER	DIRECTOR	0.50	Director	$0	$0	$0
HERBERT KAZER	TREASURER	1.00	Officer Director	$0	$0	$0
N/A	PAST PRESIDE	0.50	Director	$0	$0	$0
SALLY MANDELBAUM	SECRETARY	1.00	Officer Director	$0	$0	$0
JUDITH MILLER	DIRECTOR	0.50	Director	$0	$0	$0
MINDA REIDY	PAST PRESIDE	0.50	Officer Director	$0	$0	$0
PAUL RODMAN	DIRECTOR	0.50	Director	$0	$0	$0
CLAIRE SHABY	DIRECTOR	0.50	Director	$0	$0	$0
JOHN SHUMAN	DIRECTOR	0.50	Director	$0	$0	$0
ADELE ZYGMAN	DIRECTOR	0.50	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	$27,245	$142,809	No data	$-115,564
2024	$134,103	$125,280	$136,380	$8,823
2023	$80,758	$121,282	$114,773	$-40,524
2022	$256,450	$234,998	$150,705	$21,452
2021	$181,755	$144,146	$209,126	$37,609
2020	$257,924	$287,950	$179,323	$-30,026

MERRIMACK VALLEY UNITED JEWISH COMMUNITIES INC