THE ALEPH-BET JEWISH DAY SCHOOL OF ANNE ARUNDEL-BOWIE INC (EIN 521655743) - 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

1988

Legal Domicile

Principal Officer

Mark Krushat

Phone

4102639044

Tax Period

2019-07-01 to 2020-06-30

THE ALEPH-BET JEWISH DAY SCHOOL OF ANNE ARUNDEL-BOWIE INC, founded in 1988, is a micro nonprofit in the Religion sector that reported $29K in total revenue in fiscal year 2019. Revenue fell 43% from the prior year — a significant decline worth monitoring. Expenses of $80K exceeded revenue, resulting in a 176% operating deficit.

Mission

To establish a Jewish Day School and promote Jewish education in the community.

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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 (2019)

Revenue Breakdown

Contributions & Grants $16,258

Program Service Revenue $0

Investment Income $12,800

Other Revenue $89

TOTAL REVENUE $29,147

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $80,448

Other Expenses $80,448

TOTAL EXPENSES $80,448

Year-over-Year Comparison

	2019	2018	Change
Revenue	$29,147	$50,756	-0.4%
Expenses	$80,448	$96,002	-0.2%
Net Income	$-51,301	$-45,246	+0.1%

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

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
Aaron Schmerling	Director	1	Director	$0	$0	$0
Cheryl Krushat	Director	1	Director	$0	$0	$0
Aloys Evers	Director	1	Director	$0	$0	$0
Nan Jarashow	Director	1	Director	$0	$0	$0
Adrienne Roth	Director	1	Director	$0	$0	$0
Allison Charapp	Director	2.00	Director	$0	$0	$0
Ruth Potts	Director	5	Director	$0	$0	$0
Jucy Johnson	Director	0	Director	$0	$0	$0
Mark Krushat	President/Treasurer	5	Officer	$0	$0	$0
Ken Wasch	Vice President	2	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
2020	$29,147	$80,448	$1,787,724	$-51,301
2019	$50,756	$96,002	$1,847,268	$-45,246
2018	$447,045	$533,366	$1,897,424	$-86,321

THE ALEPH-BET JEWISH DAY SCHOOL OF ANNE ARUNDEL-BOWIE INC