Womens Institute of Torah Seminary for Girls (EIN 522116241) - 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

1998

Legal Domicile

Principal Officer

Minda Spetner

Phone

4103583144

Tax Period

2024-07-01 to 2025-06-30

Womens Institute of Torah Seminary for Girls, founded in 1998, is a community nonprofit in the Education sector that reported $2.6M in total revenue in fiscal year 2024.

Mission

Post High School Education

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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 $304,835

Program Service Revenue $2,261,844

Investment Income $0

Other Revenue $31,700

TOTAL REVENUE $2,598,379

Expense Breakdown

Grants Paid $400

Salaries & Benefits $1,279,996

Fundraising Expenses $0

Program Expenses $1,426,453

Other Expenses $1,567,184

TOTAL EXPENSES $2,847,580

Year-over-Year Comparison

	2024	2023	Change
Revenue	$2,598,379	$2,692,376	0.0%
Expenses	$2,847,580	$2,705,869	+0.1%
Net Income	$-249,201	$-13,493	+17.5%

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

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

$101,000

Total Directors

$101,000

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Ettie Rosenbaum	Executive Dir.	40.00	Officer Director	$101,000	$0	$101,000
Solomon Spetner	Chairman	0.00	Officer Director	$0	$0	$0
Hinda Dubin	Director	0.00	Officer Director	$0	$0	$0
Zev Katz	Director	0.00	Director	$0	$0	$0
Marvin Itzkowitz	Director	5.00	Director	$0	$0	$0
Shifra Rabenstein	Director	0.00	Director	$0	$0	$0
Minda Spetner	Vice Chairman	5.00	Officer Director	$0	$0	$0
Moshay Cooper	Director	0.00	Director	$0	$0	$0
Sara Itzkowitz	Director	0.00	Director	$0	$0	$0
Janet Sunness	Director	0.00	Director	$0	$0	$0
Aliza Sklare	Treasurer	7.00	Officer Director	$0	$0	$0
Miriam Yarmak	Secretary	0.00	Director	$0	$0	$0
Sherry Berlin	Director	0.00	Director	$0	$0	$0
Oriana Kelemer	Director	0.00	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	$2,598,379	$2,847,580	$2,070,463	$-249,201
2024	No data	No data	No data	No data
2023	$2,667,541	$2,640,162	$2,465,595	$27,379
2022	$1,426,335	$1,265,202	$2,170,651	$161,133
2021	$2,315,660	$2,183,070	$2,004,255	$132,590
2020	$2,058,931	$1,463,009	$1,864,519	$595,922
2019	$1,218,955	$1,165,801	$1,124,011	$53,154
2018	$855,516	$1,113,603	$1,087,977	$-258,087

Womens Institute of Torah Seminary for Girls