CENTRAL NJ JUDAIC STUDIES INITIATIVE (EIN 454435272) - 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

Eric Sandler

Phone

7326928201

Tax Period

2024-07-01 to 2025-06-30

CENTRAL NJ JUDAIC STUDIES INITIATIVE, founded in 2012, is a micro nonprofit in the Religion sector that reported $93K in total revenue in fiscal year 2024. Revenue fell 35% from the prior year — a significant decline worth monitoring. Expenses of $104K exceeded revenue, resulting in a 13% operating deficit.

Mission

Central NJ Judaic Studies Initiative is a non-profit organization that was established to provide the infrastructure for an after-school religious program for children of elementary school age level. The goal is to encourage Jewish identity development, love for Israel, Jewish literacy, skills, and knowledge.

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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 $2,396

Program Service Revenue $90,237

Investment Income $0

Other Revenue $0

TOTAL REVENUE $92,633

Expense Breakdown

Grants Paid $0

Salaries & Benefits $58,264

Fundraising Expenses $0

Program Expenses $100,806

Other Expenses $46,047

TOTAL EXPENSES $104,311

Year-over-Year Comparison

	2024	2023	Change
Revenue	$92,633	$142,499	-0.3%
Expenses	$104,311	$123,648	-0.2%
Net Income	$-11,678	$18,851	-1.6%

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
NA	N/A	N/A	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	$92,633	$104,311	$19,540	$-11,678
2024	$142,499	$123,648	$31,218	$18,851
2023	$182,476	$173,948	$10,498	$8,528
2022	$171,944	$212,258	$12,302	$-40,314
2021	$186,473	$177,400	$52,617	$9,073
2020	$177,946	$207,803	$47,688	$-29,857
2019	$156,184	$179,604	$59,997	$-23,420
2018	$179,344	$210,047	$81,370	$-30,703

CENTRAL NJ JUDAIC STUDIES INITIATIVE