AMERICAN FRIENDS OF REFUAH VCHAIM INC (EIN 471856321) - 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

2014

Legal Domicile

Principal Officer

ARON SPITZ

Tax Period

2024-09-01 to 2025-08-31

AMERICAN FRIENDS OF REFUAH VCHAIM INC, founded in 2014, is a small nonprofit in the Philanthropy & Grantmaking sector that reported $249K in total revenue in fiscal year 2024. Revenue fell 36% from the prior year — a significant decline worth monitoring. The organization ran a surplus of $127K, a strong 51% operating margin.

Mission

to provide assistance and support to the needy, sick, disabled, those with special needs, and their families.

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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 $248,699

Program Service Revenue $0

Investment Income $0

Other Revenue $0

TOTAL REVENUE $248,699

Expense Breakdown

Grants Paid $13,183

Salaries & Benefits $0

Fundraising Expenses $12,745

Program Expenses $85,017

Other Expenses $108,498

TOTAL EXPENSES $121,681

Year-over-Year Comparison

	2024	2023	Change
Revenue	$248,699	$391,345	-0.4%
Expenses	$121,681	$563,332	-0.8%
Net Income	$127,018	$-171,987	-1.7%

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

N/A

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	Role	Reportable Comp	Other Comp	Total
ARON SPITZ	OFFICER	Officer	$0	$0	$0
BORUCH HIMMEL	OFFICER	Officer	$0	$0	$0
JOSEPH LISAUER	OFFICER	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	$248,699	$121,681	$164,948	$127,018
2024	$391,345	$563,332	$37,930	$-171,987
2023	$332,300	$513,980	$209,917	$-181,680
2022	$468,682	$207,990	$391,597	$260,692
2021	$267,993	$339,032	$130,905	$-71,039
2020	$254,114	$215,936	$52,044	$38,178
2019	$279,702	$271,872	$13,866	$7,830
2018	$240,940	$239,018	$6,036	$1,922

AMERICAN FRIENDS OF REFUAH VCHAIM INC