BAIS MEDRASH TORAS CHESED INC (EIN 226830873) - 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

NATHAN STEIN

Phone

7323641220

Tax Period

2024-08-01 to 2025-07-31

BAIS MEDRASH TORAS CHESED INC, founded in 1999, is a community nonprofit in the Education sector that reported $4.1M in total revenue in fiscal year 2024. Revenue surged 40% from the prior year, signaling strong growth momentum. The organization ran a surplus of $1.2M, a strong 29% operating margin.

Mission

OPERATE AND MAINTAIN A COLLEGE LEVEL EDUCATIONAL INSTITUTION TEACHING TALMUDIC AND RABBINICAL STUDIES

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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 $2,273,713

Program Service Revenue $1,780,233

Investment Income $0

Other Revenue $21,717

TOTAL REVENUE $4,075,663

Expense Breakdown

Grants Paid $720,311

Salaries & Benefits $929,732

Fundraising Expenses $172,869

Program Expenses $2,487,778

Other Expenses $1,245,989

TOTAL EXPENSES $2,896,032

Year-over-Year Comparison

	2024	2023	Change
Revenue	$4,075,663	$2,901,436	+0.4%
Expenses	$2,896,032	$2,826,890	+0.0%
Net Income	$1,179,631	$74,546	+14.8%

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

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

$43,896

Total Directors

$43,896

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
NATHAN STEIN	President	60.00	Officer Director	$27,708	$0	$27,708
RHONDA STEIN	Treasurer	30.00	Officer Director	$16,188	$0	$16,188
SHIMON FINKELMAN	Vice President	1.00	Director	$0	$0	$0
AARON SUSSMAN	Vice President	1.00	Director	$0	$0	$0
MORDECHAI GOTTLIEB	Director	1.00	Director	$0	$0	$0
ISAAC DIAMANT	Director	1.00	Director	$0	$0	$0
ELIYAHU JAKOBOVITS	Director	1.00	Director	$0	$0	$0
ABRAHAM MERMELSTEIN	Director	1.00	Director	$0	$0	$0
SAMSON PINTER	Director	1.00	Director	$0	$0	$0
YECHEZKEL SAUER	Director	1.00	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	$4,075,663	$2,896,032	$4,942,903	$1,179,631
2024	$2,043,598	$1,665,803	$3,451,304	$377,795
2023	$2,901,436	$2,826,890	$3,078,283	$74,546
2022	$2,241,103	$2,123,036	$2,564,016	$118,067
2021	$2,752,012	$2,006,099	$3,558,948	$745,913
2020	$2,599,775	$1,828,605	$3,488,313	$771,170
2019	$1,562,988	$1,556,641	$2,764,976	$6,347
2018	$1,542,498	$1,472,007	$2,897,639	$70,491

BAIS MEDRASH TORAS CHESED INC