GEMACH OF RIVERDALE INC (EIN 463234109) - 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

2013

Legal Domicile

Principal Officer

Evan Russo

Phone

9174083035

Tax Period

2025-01-01 to 2025-12-31

GEMACH OF RIVERDALE INC, founded in 2013, is a micro nonprofit in the Human Services sector that reported $15K in total revenue in fiscal year 2025. Revenue surged 530% from the prior year, signaling strong growth momentum. The organization ran a surplus of $15K, a strong 99% operating margin.

Mission

To provide loans to individuals /families who are in need of short term financial assistance.

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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 (2025)

Revenue Breakdown

Contributions & Grants $2,915

Program Service Revenue $0

Investment Income $12,219

Other Revenue $0

TOTAL REVENUE $15,134

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $0

Other Expenses $100

TOTAL EXPENSES $100

Year-over-Year Comparison

	2025	2024	Change
Revenue	$15,134	$2,401	+5.3%
Expenses	$100	$100	N/A
Net Income	$15,034	$2,301	+5.5%

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
Toby Kram	President	0.25	Director	$0	$0	$0
Ezra Friedberg	Vice President	1.5	Officer Director	$0	$0	$0
Evan Russo	Treasurer	1	Officer Director	$0	$0	$0
Michael Gervis	Director	0.5	Director	$0	$0	$0
Moshe Drelich	Operations Director	1.5	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
2025	$15,134	$100	$628,730	$15,034
2024	$2,401	$100	$613,696	$2,301
2023	$1,360	$100	$611,395	$1,260
2022	$16,390	$100	$610,135	$16,290
2021	$3,754	$125	$593,845	$3,629
2020	$104,913	$125	$590,216	$104,788

GEMACH OF RIVERDALE INC