SEPHARDIC GAN TORAT EMET INC (EIN 201354171) - 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

2004

Legal Domicile

Principal Officer

JACK POLATSEK

Phone

7137213900

Tax Period

2024-08-01 to 2025-07-31

SEPHARDIC GAN TORAT EMET INC, founded in 2004, is a community nonprofit in the Education sector that reported $6.5M in total revenue in fiscal year 2024. Revenue grew 9% year-over-year, indicating healthy expansion. Expenses of $7.5M exceeded revenue, resulting in a 15% operating deficit.

Mission

AS A SCHOOL DEDICATED TO INSTILLING THE TORAH VALUES & POSITIVE CHARACTER TRAITS WITHIN ITS STUDENTS. THE SCHOOL IS COMMITTED TO HELPING EACH CHILD REACH THEIR POTENTIAL & ENCOURAGES CLOSE COOPERATION BETWEEN HOME & SCHOOL.

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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 $2,826,075

Program Service Revenue $3,605,729

Investment Income $0

Other Revenue $83,621

TOTAL REVENUE $6,515,425

Expense Breakdown

Grants Paid $0

Salaries & Benefits $5,361,192

Fundraising Expenses $0

Program Expenses $7,382,405

Other Expenses $2,113,996

TOTAL EXPENSES $7,475,188

Year-over-Year Comparison

	2024	2023	Change
Revenue	$6,515,425	$6,003,309	+0.1%
Expenses	$7,475,188	$6,372,758	+0.2%
Net Income	$-959,763	$-369,449	+1.6%

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

$230,374

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
DR AKIVA DIAMOND	BOARD MEMBER	0.00	Director	$0	$0	$0
CYNTHIA HELSTEIN	BOARD MEMBER	0.00	Director	$0	$0	$0
AVRAHAM KRAVETZ	BOARD MEMBER	0.00	Director	$0	$0	$0
ANDREW SEROTTA	BOARD MEMBER	0.00	Director	$0	$0	$0
RACHEL YAGHOBIAN	BOARD MEMBER	0.00	Director	$0	$0	$0
ROB GLAZER	BOARD MEMBER	0.00	Director	$0	$0	$0
DR NAOMI SELEVAN	BOARD MEMBER	0.00	Director	$0	$0	$0
DR ERIKA WESTREICH	BOARD MEMBER	0.00	Director	$0	$0	$0
YAKOV POLATSEK	PREDIDENT	0.00	Officer Director	$0	$0	$0
BINYOMIN MEDETSKY	SECRETARY	0.00	Officer Director	$0	$0	$0
MARC WARREN	TREASURER	0.00	Officer Director	$0	$0	$0
ERIC PINES	VICE PRESIDENT	0.00	Officer Director	$0	$0	$0
RICHARD GARFIELD	HEAD OF SCHOOL	40.00	Key Emp	$220,774	$9,600	$230,374

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	$6,515,425	$7,475,188	$5,291,107	$-959,763
2024	$6,003,309	$6,372,758	$6,052,871	$-369,449
2023	$5,946,577	$6,001,332	$6,648,212	$-54,755
2022	$5,156,198	$4,694,685	$6,907,171	$461,513
2021	$3,784,633	$3,646,815	$5,261,647	$137,818
2020	$1,714,198	$3,368,013	$5,147,737	$-1,653,815
2019	$3,533,344	$3,243,573	$7,361,237	$289,771
2018	$3,205,194	$2,891,155	$7,301,529	$314,039

SEPHARDIC GAN TORAT EMET INC