GEMACH ZICHRON MOSHE INC C/O JONATHAN EHRMAN (EIN 223692274) - 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

1999

Legal Domicile

Principal Officer

JONATHAN EHRMAN

Phone

9734718544

Tax Period

2023-01-01 to 2023-12-31

GEMACH ZICHRON MOSHE INC C/O JONATHAN EHRMAN, founded in 1999, is a community nonprofit in the Community Improvement sector that reported $2.2M in total revenue in fiscal year 2023. Revenue decreased 20% compared to the prior year.

Mission

PROVIDING SHORT TERM LOANS AND GRANTS TO PEOPLE WHO ARE EXPERIENCING ECONOMIC HARDSHIP.

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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 (2023)

Revenue Breakdown

Contributions & Grants $2,190,143

Program Service Revenue $0

Investment Income $0

Other Revenue $0

TOTAL REVENUE $2,190,143

Expense Breakdown

Grants Paid $2,236,348

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $2,236,348

Other Expenses $574

TOTAL EXPENSES $2,236,922

Year-over-Year Comparison

	2023	2022	Change
Revenue	$2,190,143	$2,734,503	-0.2%
Expenses	$2,236,922	$3,217,228	-0.3%
Net Income	$-46,779	$-482,725	-0.9%

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

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

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
JONATHAN EHRMAN	PRESIDENT/TREAS.	3.00	Director	$0	$0	$0
MYRA EHRMAN	VP	0.00	Officer	$0	$0	$0
AC COREN	SECRETARY	0.00	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
2024	No data	No data	No data	No data
2023	$2,190,143	$2,236,922	$1,699,331	$-46,779
2022	$2,734,503	$3,217,228	$1,883,967	$-482,725
2021	$2,763,518	$2,406,991	$2,440,192	$356,527
2020	$2,784,548	$2,509,464	$2,172,754	$275,084
2019	$2,405,898	$1,698,074	$1,739,170	$707,824
2018	$2,338,343	$2,175,670	$972,262	$162,673

GEMACH ZICHRON MOSHE INC C/O JONATHAN EHRMAN