TORAH EDUCATION OF AMERICA INC (EIN 472341475) - 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

SAUL GRAY

Phone

7329058827

Tax Period

2024-09-01 to 2025-08-31

TORAH EDUCATION OF AMERICA INC, founded in 2014, is a community nonprofit in the Education sector that reported $1.6M in total revenue in fiscal year 2024. Revenue fell 41% from the prior year — a significant decline worth monitoring. Expenses of $2.9M exceeded revenue, resulting in a 83% operating deficit.

Mission

TO DISSEMINATE ORTHODOX JEWISH TORAH TRADITION THROUGH EDUCATION, RECREATION, PUBLISHING, AND GROUP STUDY OF AUTHENTIC JEWISH VALUES AND TRADITION

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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 $633,157

Program Service Revenue $740,247

Investment Income $2

Other Revenue $227,261

TOTAL REVENUE $1,600,667

Expense Breakdown

Grants Paid $0

Salaries & Benefits $919,529

Fundraising Expenses $6,000

Program Expenses $2,042,354

Other Expenses $2,016,204

TOTAL EXPENSES $2,935,733

Year-over-Year Comparison

	2024	2023	Change
Revenue	$1,600,667	$2,705,743	-0.4%
Expenses	$2,935,733	$2,447,142	+0.2%
Net Income	$-1,335,066	$258,601	-6.2%

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

$50,000

Total Directors

$50,000

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
SAUL GRAY	TRUSTEE	40.00	Officer Director	$50,000	$0	$50,000
MAYER GROSS	TRUSTEE	1.00	Director	$0	$0	$0
CHAIM PLOTNICK	TRUSTEE	1.00	Director	$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	$1,600,667	$2,935,733	$14,426,423	$-1,335,066
2024	$2,705,743	$2,447,142	$17,312,130	$258,601
2023	$3,001,239	$2,183,039	$16,771,477	$818,200
2022	$3,388,478	$1,842,776	$14,110,877	$1,545,702
2021	$1,947,043	$1,402,832	$6,383,901	$544,211
2020	$1,561,015	$1,140,976	$4,498,788	$420,039
2019	$1,107,837	$1,092,778	$4,317,923	$15,059
2018	$1,644,385	$1,009,158	$3,892,273	$635,227

TORAH EDUCATION OF AMERICA INC