MILDRED H ROSA CHARITABLE TRUST

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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

1981

Legal Domicile

Principal Officer

DAVID EPSTEIN

Phone

7329966102

Tax Period

2025-01-01 to 2025-12-31

MILDRED H ROSA CHARITABLE TRUST, founded in 1981, is a micro nonprofit that reported $79K in total revenue in fiscal year 2025. Revenue fell 28% from the prior year — a significant decline worth monitoring. Expenses of $206K exceeded revenue, resulting in a 160% operating deficit.

Mission

TO PROVIDE JERSEY SHORE MEDICAL CENTER WITH FUNDS FOR EQUIPMENT PURCHASES AND OTHER HOSPITAL PROGRAMS.

Program Service Accomplishments

Program 1

Expenses: $150,000

JERSEY SHORE MEDICAL CENTER EQUIPMENT PURCHASES AND OTHER HOSPITAL PROGRAMS.

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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 $0

Program Service Revenue $0

Investment Income $79,251

Other Revenue $0

TOTAL REVENUE $79,251

Expense Breakdown

Grants Paid $150,000

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $150,000

Other Expenses $55,741

TOTAL EXPENSES $205,741

Year-over-Year Comparison

	2025	2024	Change
Revenue	$79,251	$109,488	-0.3%
Expenses	$205,741	$46,177	+3.5%
Net Income	$-126,490	$63,311	-3.0%

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
DAVID M EPSTEIN	PRESIDENT - TREASURER	5.00	Officer Director	$0	$0	$0
RICHARD EPSTEIN	TRUSTEE	5.00	Director	$0	$0	$0
TESSIE EPSTEIN CLEVY	TRUSTEE	5.00	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	$79,251	$205,741	$2,299,152	$-126,490
2024	$109,488	$46,177	$2,425,642	$63,311
2023	$130,779	$145,069	$2,362,331	$-14,290
2022	$77,262	$49,425	$2,376,621	$27,837
2021	$68,678	$249,764	$2,348,784	$-181,086
2020	$-43,866	$92,249	$2,529,870	$-136,115
2019	$263,789	$284,120	$2,665,985	$-20,331
2018	$92,220	$39,005	$2,686,316	$53,215