CONGREGATION BNOS YAAKOV INC (EIN 223533924) - 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

1997

Legal Domicile

Principal Officer

JOSEPH HERSKOVITS

Phone

7328867300

Tax Period

2024-08-01 to 2025-07-31

CONGREGATION BNOS YAAKOV INC, founded in 1997, is a community nonprofit in the Education sector that reported $9.0M in total revenue in fiscal year 2024.

Mission

TO PROVIDE RELIGIOUS JEWISH EDUCATION FOR GIRLS AT THE HIGHEST ETHICAL & SCHOLASTIC STANDARDS.

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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 $2,462,406

Program Service Revenue $6,215,957

Investment Income $89,070

Other Revenue $199,743

TOTAL REVENUE $8,967,176

Expense Breakdown

Grants Paid $0

Salaries & Benefits $5,508,446

Fundraising Expenses $181,521

Program Expenses $7,387,479

Other Expenses $3,262,423

TOTAL EXPENSES $8,770,869

Year-over-Year Comparison

	2024	2023	Change
Revenue	$8,967,176	$8,662,492	+0.0%
Expenses	$8,770,869	$8,581,449	+0.0%
Net Income	$196,307	$81,043	+1.4%

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

198

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

$251,826

Total Directors

$251,826

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
JOSEPH HERSKOVITS	PRESIDENT	50.00	Officer Director	$97,500	$154,326	$251,826
YOSSI TRESS	TRUSTEE	2.00	Director	$0	$0	$0
RAPHAEL MANDELBAUM	TRUSTEE	2.00	Director	$0	$0	$0
NOCHUM BERGMAN	TRUSTEE	2.00	Director	$0	$0	$0
CHAIM SILBERBERG	SECRETARY	2.00	Director	$0	$0	$0
YEHOSHUA BEREN	TRUSTEE	2.00	Director	$0	$0	$0
DAVID KLEIN	TRUSTEE	2.00	Director	$0	$0	$0
YOSSI ROTHSCHILD	TRUSTEE	2.00	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	$8,967,176	$8,770,869	$15,187,988	$196,307
2024	$8,662,492	$8,581,449	$15,893,938	$81,043
2023	$8,665,343	$8,218,459	$15,860,732	$446,884
2022	$8,486,452	$7,316,718	$13,041,945	$1,169,734
2021	$12,743,932	$10,764,246	$9,892,011	$1,979,686
2020	$7,965,517	$6,382,228	$6,667,374	$1,583,289
2019	$5,596,335	$5,097,953	$4,091,363	$498,382
2018	$5,170,170	$4,921,514	$3,881,599	$248,656

CONGREGATION BNOS YAAKOV INC