YAD CHESSED FUND INC

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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

2008

Legal Domicile

Principal Officer

LORI SILVER

Phone

7814872693

Tax Period

2024-09-01 to 2025-08-31

YAD CHESSED FUND INC, founded in 2008, is a community nonprofit in the Human Services sector that reported $2.0M in total revenue in fiscal year 2024. Expenses of $1.8M left a modest 7% surplus.

Mission

TO PROVIDE EMERGENCY FINANCIAL ASSISTANCE AND ADVICE AND GUIDANCE, WITH COMPASSION AND PRESERVING DIGNITY, TO JEWISH INDIVIDUALS IN THE GREATER BOSTON AND OTHER PARTS OF MASSACHUSETTS WHO ARE EXPERIENCING FINANCIAL DISTRESS AND FOOD INSECURITY.

Program Service Accomplishments

Program 1

Expenses: $1,284,787

YAD CHESSED FUND INC. PROVIDES SUPPORT TO INDIVIDUALS IN NEED BY PAYING FOR NECESSITIES SUCH AS FOOD, HOUSING, UTILITIES, AND OTHER ESSENTIALS. PAYMENTS FOR SUCH ESSENTIALS ARE MADE ON BEHALF OF...

YAD CHESSED FUND INC. PROVIDES SUPPORT TO INDIVIDUALS IN NEED BY PAYING FOR NECESSITIES SUCH AS FOOD, HOUSING, UTILITIES, AND OTHER ESSENTIALS. PAYMENTS FOR SUCH ESSENTIALS ARE MADE ON BEHALF OF CLIENTS TO THIRD PARTY PAYEES. YAD CHESSED ALSO SENDS SUPERMARKET GIFT CARDS DIRECTLY TO CLIENTS FACING FOOD INSECURITY. YAD CHESSED SOCIAL WORKERS ASSESS EACH CLIENT'S INDIVIDUAL NEEDS AND OFFER GUIDANCE, ADVICE AND REFERRALS TO OTHER AGENCIES AS APPROPRIATE. THE FUND SUPPORTED 1,491 HOUSEHOLDS CONSISTING OF 2,419 INDIVIDUALS DURING FISCAL 2025.

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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 $1,898,333

Program Service Revenue $0

Investment Income $80,117

Other Revenue $0

TOTAL REVENUE $1,978,450

Expense Breakdown

Grants Paid $659,043

Salaries & Benefits $762,445

Fundraising Expenses $437,610

Program Expenses $1,284,787

Other Expenses $373,356

TOTAL EXPENSES $1,845,844

Year-over-Year Comparison

	2024	2023	Change
Revenue	$1,978,450	$1,850,757	+0.1%
Expenses	$1,845,844	$1,909,054	0.0%
Net Income	$132,606	$-58,297	-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

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

$162,345

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
CHERYL NISSENBAUM SANDERS	DIRECTOR	0.50	Director	$0	$0	$0
SHIRA FISCHER	DIRECTOR	0.50	Director	$0	$0	$0
JANET GOLDENBERG	VICE PRESIDENT	1.00	Officer Director	$0	$0	$0
LORI SILVER	PRESIDENT/CHAIR	1.00	Officer Director	$0	$0	$0
ELYSE LEVENTHAL	DIRECTOR	0.50	Director	$0	$0	$0
KATHY COHEN	VICE PRESIDENT	1.00	Officer Director	$0	$0	$0
SHANI WINTON	DIRECTOR	0.50	Director	$0	$0	$0
REBECCA KOTKIN	DIRECTOR	0.50	Director	$0	$0	$0
ELLIE SHRAGE	DIRECTOR	0.50	Director	$0	$0	$0
DANIEL FRIEDMAN	DIRECTOR	0.50	Director	$0	$0	$0
ROBERT HOUSMAN	DIRECTOR	0.50	Director	$0	$0	$0
SANDY REMZ	CLERK	1.00	Officer Director	$0	$0	$0
LINDA SKOLNIK	DIRECTOR	0.50	Director	$0	$0	$0
JACOB TEICH	TREASURER	1.00	Officer Director	$0	$0	$0
SUSAN SHANSKE	DIRECTOR	0.50	Director	$0	$0	$0
SUSAN STEINHARDT	DIRECTOR	0.50	Director	$0	$0	$0
PAUL FURER	DIRECTOR	0.50	Director	$0	$0	$0
JILL SMITH	DIRECTOR	0.50	Director	$0	$0	$0
NANCY KRIEGEL	EXECUTIVE DIRECTOR	40.00	Officer	$151,896	$10,449	$162,345

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	$1,978,450	$1,845,844	$2,337,083	$132,606
2024	$1,850,757	$1,909,054	$1,948,545	$-58,297
2023	$1,827,250	$1,689,359	$1,929,736	$137,891
2022	$2,079,229	$1,473,119	$1,792,394	$606,110
2021	$1,547,095	$1,302,669	$1,136,614	$244,426
2019	$874,316	$872,932	$504,788	$1,384
2018	$1,058,358	$1,056,392	$500,018	$1,966