NATIONAL COUNCIL OF JEWISH WOMEN MICHIG (EIN 381358385) - 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

1981

Legal Domicile

Principal Officer

AMY ZESKIND

Phone

2483553300

Tax Period

2024-07-01 to 2025-06-30

NATIONAL COUNCIL OF JEWISH WOMEN MICHIG, founded in 1981, is a community nonprofit in the Community Improvement sector that reported $1.7M in total revenue in fiscal year 2024. Expenses of $1.5M left a modest 12% surplus.

Mission

THE NATIONAL COUNCIL OF JEWISH WOMEN, MICHIGAN, INC. (NCJW) IS DEDICATED TO IMPROVING THE LIVES OF WOMEN, CHILDREN AND FAMILIES. MEMBERS IDENTIFY LOCAL CHALLENGES, DEVELOP RESPONSES, AND PROVIDE ASSISTANCE AND SUPPORT TO THOSE IN NEED.

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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 $428,100

Program Service Revenue $205,808

Investment Income $212,495

Other Revenue $880,305

TOTAL REVENUE $1,726,708

Expense Breakdown

Grants Paid $0

Salaries & Benefits $605,138

Fundraising Expenses $70,051

Program Expenses $1,253,983

Other Expenses $914,466

TOTAL EXPENSES $1,519,604

Year-over-Year Comparison

	2024	2023	Change
Revenue	$1,726,708	$1,694,498	+0.0%
Expenses	$1,519,604	$1,377,680	+0.1%
Net Income	$207,104	$316,818	-0.3%

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

400

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

$167,478

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
AMY ZESKIND	PRESIDENT	1.00	Officer Director	$0	$0	$0
EVVA HEPNER	VICE-PRESIDENT	1.00	Officer Director	$0	$0	$0
LAUREN KOENIGSBERG	VICE-PRESIDENT	1.00	Officer Director	$0	$0	$0
FRAN GROSSMAN	VICE-PRESIDENT	1.00	Officer Director	$0	$0	$0
MARGO STOCKER	VICE-PRESIDENT	1.00	Officer Director	$0	$0	$0
MARILYN MOSSMAN	VICE-PRESIDENT	1.00	Officer Director	$0	$0	$0
RUSTY ROSMAN	TREASURER	1.00	Officer Director	$0	$0	$0
AMY STERNFELD	RECORDING SECRETARY	1.00	Officer Director	$0	$0	$0
BARBARA HILLMAN	CORRESPONDING SECRETARY	1.00	Officer Director	$0	$0	$0
LINDA LEVY	STATE POLICY ADVOCATE	1.00	Director	$0	$0	$0
SUSAN FRIEDMAN	ASST RECORDING SECRETARY	1.00	Director	$0	$0	$0
LYNN LIEBERMAN	DIRECTOR	1.00	Director	$0	$0	$0
CINDY BABCOCK	DIRECTOR	1.00	Director	$0	$0	$0
BARBARA BERGER	DIRECTOR	1.00	Director	$0	$0	$0
LINDA BLOOM	DIRECTOR	1.00	Director	$0	$0	$0
JOYCE BLUM	DIRECTOR	1.00	Director	$0	$0	$0
DENNY CAMIENER	DIRECTOR	1.00	Director	$0	$0	$0
CATHERINE CANTOR	DIRECTOR	1.00	Director	$0	$0	$0
JANICE CHERKASKY	DIRECTOR	1.00	Director	$0	$0	$0
CAROL SUE CODEN	DIRECTOR	1.00	Director	$0	$0	$0
FRANCIE COOK	DIRECTOR	1.00	Director	$0	$0	$0
SUZAN CURHAN	DIRECTOR	1.00	Director	$0	$0	$0
AMY CUTLER	DIRECTOR	1.00	Director	$0	$0	$0
MYRNA EDGAR	DIRECTOR	1.00	Director	$0	$0	$0
SUSAN LANGNAS FEBER	DIRECTOR	1.00	Director	$0	$0	$0
LISA FOX	DIRECTOR	1.00	Director	$0	$0	$0
CAROL FREEDMAN	DIRECTOR	1.00	Director	$0	$0	$0
RANDEE FREEDMAN	DIRECTOR	1.00	Director	$0	$0	$0
IRMA GLASER	DIRECTOR	1.00	Director	$0	$0	$0
LINDA GOODMAN	DIRECTOR	1.00	Director	$0	$0	$0
SARAH GOTTLIEB	DIRECTOR	1.00	Director	$0	$0	$0
BARBARA GRANT	DIRECTOR	1.00	Director	$0	$0	$0
SHEILA GUYER	DIRECTOR	1.00	Director	$0	$0	$0
DOREEN HERMELIN	DIRECTOR	1.00	Director	$0	$0	$0
FLORENCE HERRMANN	DIRECTOR	1.00	Director	$0	$0	$0
TERRY HOLLANDER	DIRECTOR	1.00	Director	$0	$0	$0
MARGERY JABLIN	DIRECTOR	1.00	Director	$0	$0	$0
SUSIE JACOB	DIRECTOR	1.00	Director	$0	$0	$0
NANCY JOSEPHSON	DIRECTOR	1.00	Director	$0	$0	$0
GAIL KATZ	DIRECTOR	1.00	Director	$0	$0	$0
STEFFI KEYWELL	DIRECTOR	1.00	Director	$0	$0	$0
MARILYN KOHEN	DIRECTOR	1.00	Director	$0	$0	$0
CLAIRE KRETCHMER	DIRECTOR	1.00	Director	$0	$0	$0
CARRIE KUSHNER	DIRECTOR	1.00	Director	$0	$0	$0
ADA KUSNETZ-YERMAN	DIRECTOR	1.00	Director	$0	$0	$0
SISSI LAPIDES	DIRECTOR	1.00	Director	$0	$0	$0
TERRAN LEEMIS	DIRECTOR	1.00	Director	$0	$0	$0
SHARON LEIDER	DIRECTOR	1.00	Director	$0	$0	$0
SANDRA LESHMAN	DIRECTOR	1.00	Director	$0	$0	$0
DEBBIE LEVIN	DIRECTOR	1.00	Director	$0	$0	$0
RANDIE LEVIN	DIRECTOR	1.00	Director	$0	$0	$0
SHARON LIPTON	DIRECTOR	1.00	Director	$0	$0	$0
MARIAN LITTMAN	DIRECTOR	1.00	Director	$0	$0	$0
JENNIFER LOPATIN	DIRECTOR	1.00	Director	$0	$0	$0
SONIA MACEY	DIRECTOR	1.00	Director	$0	$0	$0
SUSAN MARWIL	DIRECTOR	1.00	Director	$0	$0	$0
SANDI MATZ	DIRECTOR	1.00	Director	$0	$0	$0
JANET MOSES	DIRECTOR	1.00	Director	$0	$0	$0
SONDRA NATHAN	DIRECTOR	1.00	Director	$0	$0	$0
JULIE NELSON-KLEIN	DIRECTOR	1.00	Director	$0	$0	$0
NANCY RAIMI	DIRECTOR	1.00	Director	$0	$0	$0
RISHA RING	DIRECTOR	1.00	Director	$0	$0	$0
JUDY ROBINSON	DIRECTOR	1.00	Director	$0	$0	$0
SUSAN ROLLINGER	DIRECTOR	1.00	Director	$0	$0	$0
JUDITH ROSENBERG	DIRECTOR	1.00	Director	$0	$0	$0
BARBARA ROSENTHAL	DIRECTOR	1.00	Director	$0	$0	$0
MARTA ROSENTHAL	DIRECTOR	1.00	Director	$0	$0	$0
SARAH ROSENZWEIG	DIRECTOR	1.00	Director	$0	$0	$0
NANCY ROTHFEDER	DIRECTOR	1.00	Director	$0	$0	$0
JOYCE RUBENSTEIN	DIRECTOR	1.00	Director	$0	$0	$0
EDIE RUBIN	DIRECTOR	1.00	Director	$0	$0	$0
EMILY SHERMAN	DIRECTOR	1.00	Director	$0	$0	$0
JOYCE SHERMAN	DIRECTOR	1.00	Director	$0	$0	$0
SUZANNE SIMON	DIRECTOR	1.00	Director	$0	$0	$0
RITA SITRON	DIRECTOR	1.00	Director	$0	$0	$0
KATIE STOCKER	DIRECTOR	1.00	Director	$0	$0	$0
BEVERLY STONE	DIRECTOR	1.00	Director	$0	$0	$0
SANDY WEISS	DIRECTOR	1.00	Director	$0	$0	$0
SANDY WEITZ	DIRECTOR	1.00	Director	$0	$0	$0
CAROL WISEMAN	DIRECTOR	1.00	Director	$0	$0	$0
ANN ZOUSMER	DIRECTOR	1.00	Director	$0	$0	$0
DANI GILLMAN	DIRECTOR	1.00	Director	$0	$0	$0
DENISE KALT	DIRECTOR	1.00	Director	$0	$0	$0
SALLYJO LEVINE	DIRECTOR	1.00	Director	$0	$0	$0
ROSELYNN SCHLUSSEL	DIRECTOR	1.00	Director	$0	$0	$0
SUSAN GERTNER	EXECUTIVE DIRECTOR	40.00	Officer	$113,080	$0	$113,080
LORENE EISENBERG	PERFORMANCE MANAGER	40.00	Officer	$54,398	$0	$54,398

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	$1,726,708	$1,519,604	$5,805,687	$207,104
2024	$1,694,498	$1,377,680	$4,618,496	$316,818
2023	$1,455,661	$1,262,354	$4,303,938	$193,307
2022	$1,321,843	$1,224,078	$3,488,871	$97,765
2021	$1,255,853	$1,241,341	$3,622,612	$14,512
2020	$719,916	$773,606	$3,366,804	$-53,690
2019	$756,714	$797,267	$3,365,281	$-40,553

NATIONAL COUNCIL OF JEWISH WOMEN MICHIG