YESHIVA KOL TORAH INC (EIN 510463118) - 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

2003

Legal Domicile

Principal Officer

HOWARD SCHWARTZ

Phone

7329056300

Tax Period

2023-09-01 to 2024-08-31

YESHIVA KOL TORAH INC, founded in 2003, is a community nonprofit in the Education sector that reported $2.6M in total revenue in fiscal year 2023. Revenue decreased 13% compared to the prior year. The organization ran a surplus of $434K, a strong 17% operating margin.

Mission

EDUCATIONAL

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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 $219,099

Program Service Revenue $1,709,969

Investment Income $0

Other Revenue $658,815

TOTAL REVENUE $2,587,883

Expense Breakdown

Grants Paid $16,247

Salaries & Benefits $1,330,327

Fundraising Expenses $92,867

Program Expenses $1,653,930

Other Expenses $806,944

TOTAL EXPENSES $2,153,518

Year-over-Year Comparison

	2023	2022	Change
Revenue	$2,587,883	$2,966,129	-0.1%
Expenses	$2,153,518	$2,933,241	-0.3%
Net Income	$434,365	$32,888	+12.2%

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

Total Directors

$30,000

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
ELI KUPERMAN	TRUSTEE	1.00	Director	$0	$0	$0
YECHIEL JACOBOWITZ	TRUSTEE	1.00	Director	$0	$0	$0
HOWARD SCHWARTZ	TRUSTEE	20.00	Director	$0	$30,000	$30,000

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
2024	$2,587,883	$2,153,518	$13,338,634	$434,365
2023	$2,966,129	$2,933,241	$12,805,829	$32,888
2022	$7,287,098	$2,494,240	$13,124,107	$4,792,858
2021	$5,264,817	$2,733,939	$8,368,663	$2,530,878
2020	$2,356,895	$1,748,185	$5,592,351	$608,710
2019	$1,620,498	$1,552,873	$5,093,676	$67,625
2018	$1,747,740	$1,449,025	$5,170,763	$298,715

YESHIVA KOL TORAH INC