THE CHEVRA GEMACH INC (EIN 203976800) - 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

2006

Legal Domicile

Principal Officer

NAFTALI SOLOMON

Phone

7184678726

Tax Period

2025-01-01 to 2025-12-31

THE CHEVRA GEMACH INC, founded in 2006, is a community nonprofit in the Human Services sector that reported $1.1M in total revenue in fiscal year 2025. Revenue fell 47% from the prior year — a significant decline worth monitoring. Expenses of $1.4M exceeded revenue, resulting in a 27% operating deficit.

Mission

THE CHEVRA GEMACH PROVIDES DISCREET AND DIGNIFIED FINANCIAL ASSISTANCE AND FREE LOANS TO VOLUNTEERS OF COMMUNITY ORGANIZATIONS AND TO EMPLOYEES OF PUBLIC SERVICE ORGANIZATIONS

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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 (2025)

Revenue Breakdown

Contributions & Grants $1,552,607

Program Service Revenue $0

Investment Income $1,166

Other Revenue $-478,035

TOTAL REVENUE $1,075,738

Expense Breakdown

Grants Paid $1,248,358

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $1,251,758

Other Expenses $116,655

TOTAL EXPENSES $1,365,013

Year-over-Year Comparison

	2025	2024	Change
Revenue	$1,075,738	$2,047,231	-0.5%
Expenses	$1,365,013	$1,511,676	-0.1%
Net Income	$-289,275	$535,555	-1.5%

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
NAFTALI SOLOMON	VP	5.00	Officer	$0	$0	$0
JONATHAN PILCHICK	PRES	1.00	Officer	$0	$0	$0
ARI WEISZ	SECRETARY	1.00	Officer	$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	$1,075,738	$1,365,013	$1,545,905	$-289,275
2022	$1,256,353	$882,779	$1,176,754	$373,574
2021	$712,317	$471,751	$803,180	$240,566
2020	$523,886	$452,508	$562,614	$71,378
2019	$304,405	$215,221	$491,236	$89,184
2018	$201,399	$175,784	$352,052	$25,615

THE CHEVRA GEMACH INC