SEPHARDIC FOUNDATION FOR TORAH STU… - Form 990 Financial Data

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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

1998

Legal Domicile

Principal Officer

MURRAY DWECK

Phone

7322488200

Tax Period

2024-09-01 to 2025-08-31

SEPHARDIC FOUNDATION FOR TORAH STUDIES INC, founded in 1998, is a small nonprofit in the Education sector that reported $532K in total revenue in fiscal year 2024. Revenue surged 106% from the prior year, signaling strong growth momentum. Expenses of $622K exceeded revenue, resulting in a 17% operating deficit.

Mission

TO PROMOTE, ENCOURAGE, FOSTER AND ADVANCE THE TEACHING AND STUDY OF THE SEPHARDIC JEWISH RELIGION.

Program Service Accomplishments

Program 1

Expenses: $622,306 Revenue: $233,644

CONDUCTS EDUCATIONAL & RELIGIOUS ACTIVITIES IN FURTHERANCE OF THE ORGANIZATION'S PRIMARY EXEMPT PURPOSE.

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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 $298,500

Program Service Revenue $0

Investment Income $0

Other Revenue $233,644

TOTAL REVENUE $532,144

Expense Breakdown

Grants Paid $507,000

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $622,306

Other Expenses $115,306

TOTAL EXPENSES $622,306

Year-over-Year Comparison

	2024	2023	Change
Revenue	$532,144	$258,753	+1.1%
Expenses	$622,306	$291,711	+1.1%
Net Income	$-90,162	$-32,958	+1.7%

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

N/A

Volunteers

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
ALBERT BIJOU	DIRECTOR	0.30	Director	$0	$0	$0
CHARLES BEYDA	DIRECTOR	0.30	Director	$0	$0	$0
ELI DWECK	DIRECTOR	0.30	Director	$0	$0	$0
MICHAEL HIDARY	DIRECTOR	0.30	Director	$0	$0	$0
MOSHE MAIMON	DIRECTOR	0.30	Director	$0	$0	$0
MURRAY DWECK	PRESIDENT	0.30	Officer 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	$532,144	$622,306	$2,763,007	$-90,162
2024	$258,753	$291,711	$2,853,169	$-32,958
2023	$214,254	$393,949	$2,886,127	$-179,695
2022	$235,702	$317,778	$3,069,373	$-82,076
2021	$249,701	$248,827	$3,151,449	$874
2020	$259,050	$345,776	$3,150,575	$-86,726
2019	$199,270	$363,028	$3,238,901	$-163,758
2018	$158,930	$407,591	$3,407,549	$-248,661

SEPHARDIC FOUNDATION FOR TORAH STUDIES INC