Wisdom in Torah Ministry Inc (EIN 261546331) - 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

2007

Legal Domicile

Principal Officer

Hernan Cortes

Tax Period

2023-01-01 to 2023-12-31

Wisdom in Torah Ministry Inc, founded in 2007, is a small nonprofit in the Religion sector that reported $547K in total revenue in fiscal year 2023. Revenue decreased 17% compared to the prior year. Expenses of $632K exceeded revenue, resulting in a 15% operating deficit.

Mission

Teaching and speaking at seminars and conferences, at churches and small home groups and via the internet, the Biblical Pricipals found in the Bible

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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 $289,307

Program Service Revenue $256,160

Investment Income $1,883

Other Revenue $0

TOTAL REVENUE $547,350

Expense Breakdown

Grants Paid $25,314

Salaries & Benefits $285,163

Fundraising Expenses $0

Program Expenses $574,651

Other Expenses $321,673

TOTAL EXPENSES $632,150

Year-over-Year Comparison

	2023	2022	Change
Revenue	$547,350	$658,561	-0.2%
Expenses	$632,150	$631,460	+0.0%
Net Income	$-84,800	$27,101	-4.1%

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

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
Walter Agosto	Trustee	1.00	Director	$0	$0	$0
Miriam Stalworth	Trustee	1.00	Director	$0	$0	$0
Stephen Hoelscher	Trustee	1.00	Director	$0	$0	$0
Hernan Cortes	PresidentTrustee	60.00	Officer Director	$0	$0	$0
Yolanda Lopez	Secretary	30.00	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	$547,350	$632,150	$864,789	$-84,800
2022	$658,561	$631,460	$1,003,197	$27,101
2021	$385,818	$360,656	$893,308	$25,162
2020	$367,830	$367,180	$873,184	$650
2019	$616,552	$560,665	$872,724	$55,887
2018	$509,316	$357,565	$812,290	$151,751

Wisdom in Torah Ministry Inc