DEENA MOTECHIN JACOBS GEMILAS CHESED FUND (EIN 134062870) - 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

1999

Legal Domicile

Principal Officer

JOEL MOTECHIN

Phone

7187616042

Tax Period

2024-05-01 to 2025-04-30

DEENA MOTECHIN JACOBS GEMILAS CHESED FUND, founded in 1999, is a small nonprofit in the Human Services sector that reported $227K in total revenue in fiscal year 2024. Revenue fell 34% from the prior year — a significant decline worth monitoring. The organization ran a surplus of $53K, a strong 24% operating margin.

Mission

TO PROVIDE INTEREST FREE LOANS AND GRANTS TO TEACHERS IN THE PRIVATE SCHOOL SECTOR, BOTH RELIGIOUS & SECULAR IN NATURE. THE ORGANIZATION ASSISTS TEACHERS FACING MEDICAL HARDSHIP, HOSPITALIZATION, FINANCIAL HARDSHIP.

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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 $210,166

Program Service Revenue $0

Investment Income $17,087

Other Revenue $0

TOTAL REVENUE $227,253

Expense Breakdown

Grants Paid $96,260

Salaries & Benefits $0

Fundraising Expenses $6,987

Program Expenses $124,500

Other Expenses $77,534

TOTAL EXPENSES $173,794

Year-over-Year Comparison

	2024	2023	Change
Revenue	$227,253	$345,658	-0.3%
Expenses	$173,794	$212,700	-0.2%
Net Income	$53,459	$132,958	-0.6%

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

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
JOEL MOTECHIN	PRESIDENT	40.00	Officer Director	$0	$0	$0
JOYCE MOTECHIN	VICE PRESIDENT	1.00	Officer Director	$0	$0	$0
BENSON MOTECHIN	TREASURER	5.00	Officer Director	$0	$0	$0
ROBERT BROMBERG	DIRECTOR	1.00	Director	$0	$0	$0
MIRIAM LOWENTHAL	DIRECTOR	1.00	Director	$0	$0	$0
SIDNEY GABLE	DIRECTOR	1.00	Director	$0	$0	$0
ALAN MOTECHIN	DIRECTOR	1.00	Director	$0	$0	$0
JILL MOTECHIN	DIRECTOR	1.00	Director	$0	$0	$0
STUART MOTECHIN	DIRECTOR	1.00	Director	$0	$0	$0
JOSH SPIERER	DIRECTOR	1.00	Director	$0	$0	$0
LORI SPIERER	DIRECTOR	1.00	Director	$0	$0	$0
ROBERT WEISSMAN	DIRECTOR	1.00	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	$227,253	$173,794	$2,776,497	$53,459
2024	$345,658	$212,700	$2,723,038	$132,958
2023	$328,083	$162,118	$2,605,080	$165,965
2022	$282,791	$155,852	$2,454,115	$126,939
2021	$251,037	$104,542	$2,300,175	$146,495
2020	$338,120	$89,542	$2,123,681	$248,578
2019	$235,053	$120,461	$1,875,103	$114,592
2018	$257,735	$82,859	$1,760,511	$174,876

DEENA MOTECHIN JACOBS GEMILAS CHESED FUND