INDIAN SCHOOLS ALUMNI AND FRIENDS INSAF (EIN 237338355) - 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

1972

Legal Domicile

Principal Officer

Mr Joginder P Kundra

Phone

6503456909

Tax Period

2023-01-01 to 2023-12-31

INDIAN SCHOOLS ALUMNI AND FRIENDS INSAF, founded in 1972, is a small nonprofit that reported $465K in total revenue in fiscal year 2023. Expenses of $424K left a modest 9% surplus.

Mission

INSAF provides grants to support education and literacy improvement efforts in India, and to support community development projects or community services in India to help disadvantaged people in India. It also provides grant to organization based in US to support educational & community service.

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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 $465,192

Program Service Revenue $0

Investment Income $275

Other Revenue $0

TOTAL REVENUE $465,467

Expense Breakdown

Grants Paid $420,490

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $423,746

Other Expenses $3,256

TOTAL EXPENSES $423,746

Year-over-Year Comparison

	2023	2022	Change
Revenue	$465,467	$458,290	+0.0%
Expenses	$423,746	$393,346	+0.1%
Net Income	$41,721	$64,944	-0.4%

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

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
Mr Joginder Kundra	President	3	Officer Director	$0	$0	$0
Ms Padmashri Lad	Vice President Communications	5	Officer Director	$0	$0	$0
Dr A J Poulose	Vice President Finance	8	Officer Director	$0	$0	$0
Mr O P Garg	Director	1	Director	$0	$0	$0
Mr P K Malhotra	Director	1	Director	$0	$0	$0
Mr Rajeev Paliwal	Director	1	Director	$0	$0	$0
Ms Anita Sra	Director	1	Director	$0	$0	$0
Dr Bhavender Paul Sharma	Newsletter & Website Editor	8	Key Emp	$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	No data	No data	No data	No data
2024	No data	No data	No data	No data
2023	$465,467	$423,746	$334,221	$41,721
2022	$458,290	$393,346	$292,500	$64,944
2021	$443,623	$479,236	$227,556	$-35,613
2020	$337,918	$367,501	$263,169	$-29,583

INDIAN SCHOOLS ALUMNI AND FRIENDS INSAF