MORIAH COOPERATIVE 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

2014

Legal Domicile

Principal Officer

BRETT BERNSTEIN

Tax Period

2024-07-01 to 2025-06-30

MORIAH COOPERATIVE INC, founded in 2014, is a small nonprofit in the Human Services sector that reported $155K in total revenue in fiscal year 2024. Revenue fell 53% from the prior year — a significant decline worth monitoring. Net assets of $317K represent 25 months of operating reserves.

Mission

TO PROVIDE EDUCATIONAL DEVELOPMENT.PROVIDED EDUCATIONAL, LITERACY, AND SCIENTIFIC PURPOSES WITH RESPECT TO PERSONAL DEVELOPMENT

Program Service Accomplishments

Program 1

Expenses: $136,771

PROVIDED EDUCATIONAL, LITERACY, AND SCIENTIFIC PURPOSES TO PEROSNAL DEVEOLPMENT OF INDIVIDUALS

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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 $147,872

Program Service Revenue $0

Investment Income $6,706

Other Revenue $0

TOTAL REVENUE $154,578

Expense Breakdown

Grants Paid $0

Salaries & Benefits $103,910

Fundraising Expenses $27,639

Program Expenses $136,771

Other Expenses $60,500

TOTAL EXPENSES $164,410

Year-over-Year Comparison

	2024	2023	Change
Revenue	$154,578	$331,198	-0.5%
Expenses	$164,410	$215,926	-0.2%
Net Income	$-9,832	$115,272	-1.1%

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
BRETT BERNSTEIN	PRESIDENTCEODIRECTOR	15.00	Officer Director	$0	$0	$0
TIMOTHY WETZLER	DIRECTOR	0.25	Director	$0	$0	$0
HAL FEINBERG	DIRECTOR	0.25	Director	$0	$0	$0
LISA AMPIL	DIRECTOR	0.25	Director	$0	$0	$0
CYNTHIA MACLUSKIE	DIRECTOR	0.25	Director	$0	$0	$0
JEFF STELNIK	DIRECTOR	0.25	Director	$0	$0	$0
JEFF TOPPEL	SECRETARY	0.25	Director	$0	$0	$0
SHAN AHDOOT	DIRECTOR	0.25	Director	$0	$0	$0
AMY PAWLOWSKI	DIRECTOR	0.25	Director	$0	$0	$0
DIANE MEHAGIAN	EXECUTIVE DIRECTOR	40.00	Director	$0	$0	$0
JERID MAYBAUM	DIRECTOR	0.25	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	$154,578	$164,410	$379,298	$-9,832
2024	$331,198	$215,926	$399,849	$115,272
2023	$290,992	$219,589	$279,999	$71,403