YB CHESED FUND INC (EIN 272765063) - 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

2012

Legal Domicile

Principal Officer

JOSHUA H SANDMAN

Phone

2039346601

Tax Period

2023-01-01 to 2023-12-31

YB CHESED FUND INC, founded in 2012, is a small nonprofit in the Human Services sector that reported $698K in total revenue in fiscal year 2023. Revenue decreased 12% compared to the prior year. Expenses of $808K exceeded revenue, resulting in a 16% operating deficit.

Mission

YB CHESED FUND: THE FUND HAS BEEN FORMED FOR CHARITABLE PURPOSES, SPECIFICALLY TO ASSIST INDIGENT FAMILIES AND INDIVIDUALS BY PROVIDING MONEY TO, OR

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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 $0

Program Service Revenue $697,962

Investment Income $0

Other Revenue $0

TOTAL REVENUE $697,962

Expense Breakdown

Grants Paid $807,744

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $807,744

Other Expenses $0

TOTAL EXPENSES $807,744

Year-over-Year Comparison

	2023	2022	Change
Revenue	$697,962	$790,467	-0.1%
Expenses	$807,744	$742,134	+0.1%
Net Income	$-109,782	$48,333	-3.3%

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
JOSHUA SANDMAN	PRESIDENT & DIRECTOR	8.00	Director	$0	$0	$0
JOSEF HARTMANN	TREASURER & DIRECTOR	8.00	Director	$0	$0	$0
LOUIS GOLDBERG	SECRETARY & DIRECTOR	8.00	Director	$0	$0	$0
MENACHEM SANDMAN	DIRECTOR	8.00	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
2024	No data	No data	No data	No data
2023	$697,962	$807,744	$34,631	$-109,782
2022	$790,467	$742,134	$48,333	$48,333
2021	$597,665	$660,391	$63,051	$-62,726
2020	$647,009	$625,341	$58,517	$21,668
2019	$621,066	$641,346	$36,849	$-20,280
2018	$614,138	$692,468	$23,075	$-78,330

YB CHESED FUND INC