NATIONAL COUNCIL OF JEWISH WOMEN ESSEX (EIN 221687993) - 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

1962

Legal Domicile

Principal Officer

CAITLIN HIGGINS JOY

Phone

9737400588

Tax Period

2024-07-01 to 2025-06-30

NATIONAL COUNCIL OF JEWISH WOMEN ESSEX, founded in 1962, is a community nonprofit in the Community Improvement sector that reported $1.4M in total revenue in fiscal year 2024. Net assets of $5.2M represent 45 months of operating reserves.

Mission

THE NATIONAL COUNCIL OF JEWISH WOMEN ESSEX COUNTY SECTION (NCJW/ESSEX) IS A GRASSROOTS (CONT'D) ORGANIZATION OF VOLUNTEERS AND ADVOCATES WHO TURN PROGRESSIVE IDEALS INTO ACTION. INSPIRED BY JEWISH VALUES, NCJW STRIVES FOR SOCIAL JUSTICE BY IMPROVING THE QUALITY OF LIFE FOR WOMEN, CHILDREN, AND FAMILIES AND BY SAFEGUARDING INDIVIDUAL RIGHTS AND FREEDOMS.

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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 $1,059,832

Program Service Revenue $57,799

Investment Income $258,554

Other Revenue $2,901

TOTAL REVENUE $1,379,086

Expense Breakdown

Grants Paid $0

Salaries & Benefits $724,239

Fundraising Expenses $167,951

Program Expenses $1,128,357

Other Expenses $688,073

TOTAL EXPENSES $1,412,312

Year-over-Year Comparison

	2024	2023	Change
Revenue	$1,379,086	$1,343,944	+0.0%
Expenses	$1,412,312	$1,308,008	+0.1%
Net Income	$-33,226	$35,936	-1.9%

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

1050

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

$159,649

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
DIANE DRESDALE	DIRECTOR	4.00	Director	$0	$0	$0
PENINA BARR	DIRECTOR	4.00	Director	$0	$0	$0
TARA HEYDERMAN	DIRECTOR	4.00	Director	$0	$0	$0
MELISSA BERGER	DIRECTOR	4.00	Director	$0	$0	$0
JANET BERGER	DIRECTOR	4.00	Director	$0	$0	$0
LINDA BERMAN	DIRECTOR	4.00	Director	$0	$0	$0
LISA KATZ	VP VOLUNTEER ENAGAGEMENT	20.00	Officer Director	$0	$0	$0
JORDYN BLACKBURN	DIRECTOR	4.00	Director	$0	$0	$0
DEBRA NEVAS	DIRECTOR	4.00	Director	$0	$0	$0
SUSIE BOTWINICK	DIRECTOR	4.00	Director	$0	$0	$0
BETH RANDALL BRANIGAN	VP OF CENTER FOR WOMEN	20.00	Officer Director	$0	$0	$0
CAROL COHEN	DIRECTOR	4.00	Director	$0	$0	$0
HELENE DRESKIN	DIRECTOR	4.00	Director	$0	$0	$0
NANCY ESKOW	DIRECTOR	4.00	Director	$0	$0	$0
LAUREN TABAK FASS	VP OF ADVOCACY	20.00	Officer Director	$0	$0	$0
SHERRI FENDELMAN	DIRECTOR	4.00	Director	$0	$0	$0
LORI GELMAN	VP OF FUND DEVELOPMENT	20.00	Officer Director	$0	$0	$0
SARA GOETZ	DIRECTOR	4.00	Director	$0	$0	$0
DEBRA GOLDSMITH	DIRECTOR	4.00	Director	$0	$0	$0
MERYL GOODMAN	DIRECTOR	4.00	Director	$0	$0	$0
MIRIAM HAIMES	ASSISTANT TREASURER	20.00	Officer Director	$0	$0	$0
PAULA GREEN	DIRECTOR	4.00	Director	$0	$0	$0
LESLEY GREENSTEIN	DIRECTOR	4.00	Director	$0	$0	$0
SHARI HARRISON	DIRECTOR	4.00	Director	$0	$0	$0
RITA ISAACS	DIRECTOR	4.00	Director	$0	$0	$0
LINDA JACOBS	DIRECTOR	4.00	Director	$0	$0	$0
JILL SORKIN JOHNSON	DIRECTOR	4.00	Director	$0	$0	$0
LAURIE KAHN	RECORDING SECRETARY	20.00	Officer Director	$0	$0	$0
RACHEL KHEDOURI	DIRECTOR	4.00	Director	$0	$0	$0
ROBIN KOLLIN	DIRECTOR	4.00	Director	$0	$0	$0
STACEY LAKEN	VP OF LEADERSHIP	20.00	Officer Director	$0	$0	$0
ADRIENNE LEWIN	VP OF COMMUNICATIONS	20.00	Officer Director	$0	$0	$0
ELISA MADORSKY	DIRECTOR	4.00	Director	$0	$0	$0
ANDREA RAKITTA MINTZ	PRESIDENT	20.00	Officer Director	$0	$0	$0
PHOEBE POLLINGER	DIRECTOR	4.00	Director	$0	$0	$0
CINDY CHARNEY	DIRECTOR	4.00	Director	$0	$0	$0
JENNIE GOLDSMITH ROTHMAN	PAST PRESIDENT	40.00	Officer Director	$0	$0	$0
LISA SANTOLA	VP OF COMMUNITY IMPACT	20.00	Officer Director	$0	$0	$0
DEBORAH LEGOW SCHATZ	DIRECTOR	4.00	Director	$0	$0	$0
LAUREN SCHER	DIRECTOR	4.00	Director	$0	$0	$0
LAURIE SCHUFTAN	TREASURER	20.00	Officer Director	$0	$0	$0
ROBIN SINGER	DIRECTOR	4.00	Director	$0	$0	$0
JUDY WAIS TABAK	DIRECTOR	4.00	Director	$0	$0	$0
MYRNA WERTHEIMER	DIRECTOR	4.00	Director	$0	$0	$0
MARJORIE ZUCKER	DIRECTOR	4.00	Director	$0	$0	$0
CAITLIN HIGGINS JOY	EXECUTIVE DIRECTOR	35.00	Officer	$155,954	$3,695	$159,649

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	$1,379,086	$1,412,312	$6,022,732	$-33,226
2024	$1,343,944	$1,308,008	$5,103,292	$35,936
2023	$1,202,077	$1,330,691	$4,974,877	$-128,614
2022	$1,165,503	$1,054,352	$4,732,322	$111,151
2021	$1,317,761	$1,023,013	$5,421,160	$294,748
2020	$1,305,847	$1,245,494	$4,505,649	$60,353
2019	$1,310,669	$1,454,677	$4,454,485	$-144,008

NATIONAL COUNCIL OF JEWISH WOMEN ESSEX