TORAH & CHESED FUND (EIN 473945704) - 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

2015

Legal Domicile

Phone

9734778812

Tax Period

2023-05-01 to 2024-04-30

TORAH & CHESED FUND, founded in 2015, is a small nonprofit in the Philanthropy & Grantmaking sector that reported $160K in total revenue in fiscal year 2023. Revenue surged 62% from the prior year, signaling strong growth momentum. Expenses of $149K left a modest 7% surplus.

Mission

The organization was created to operate as a charitable organization that provides aid and assistance to other organizations that promote charitable and religious causes.

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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 (2023)

Revenue Breakdown

Contributions & Grants $159,990

Program Service Revenue $0

Investment Income $0

Other Revenue $0

TOTAL REVENUE $159,990

Expense Breakdown

Grants Paid $146,900

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $149,257

Other Expenses $2,357

TOTAL EXPENSES $149,257

Year-over-Year Comparison

	2023	2022	Change
Revenue	$159,990	$99,020	+0.6%
Expenses	$149,257	$105,163	+0.4%
Net Income	$10,733	$-6,143	-2.7%

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

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
OSHER DIAMANT	Trustee	0.50	Director	$0	$0	$0
ABRAHAM HOPSTEIN	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	No data	No data	No data	No data
2024	$159,990	$149,257	$25,117	$10,733
2023	$99,020	$105,163	$14,384	$-6,143
2022	$82,012	$78,821	No data	$3,191
2021	$62,691	$109,880	$17,335	$-47,189
2020	$30,069	$59,678	$43,919	$-29,609
2019	$89,661	$45,414	$73,542	$44,247
2018	$45,484	$19,860	$29,295	$25,624

TORAH & CHESED FUND