JAFARI NO-INTEREST CREDIT UNION (EIN 811523850) - 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

2016

Legal Domicile

Principal Officer

Imran Dhanji

Phone

7133311072

Tax Period

2024-01-01 to 2024-12-31

JAFARI NO-INTEREST CREDIT UNION, founded in 2016, is a micro nonprofit that reported $91K in total revenue in fiscal year 2024. Revenue grew 8% year-over-year, indicating healthy expansion. The organization ran a surplus of $45K, a strong 49% operating margin.

Mission

A State-chartered credit union, providing federally insured Savings accounts to members, and providing loans to members.

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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 $0

Program Service Revenue $26,677

Investment Income $64,457

Other Revenue $0

TOTAL REVENUE $91,134

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $0

Other Expenses $46,325

TOTAL EXPENSES $46,325

Year-over-Year Comparison

	2024	2023	Change
Revenue	$91,134	$83,997	+0.1%
Expenses	$46,325	$41,067	+0.1%
Net Income	$44,809	$42,930	+0.0%

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
Azmat Tejani	Director	2	Director	$0	$0	$0
Mohammad Virani	Supervisory Committe chairmam	3	Director	$0	$0	$0
Faiyaz Bhojani	Director	2	Director	$0	$0	$0
Ali Rizvi	Vice-President	2	Officer Director	$0	$0	$0
Mohammed Mithani	Vice-President	2	Officer Director	$0	$0	$0
Reza Khalili	Chairman, Director	2	Officer Director	$0	$0	$0
Faizan Ali	Director	4	Director	$0	$0	$0
Imran Dhanji	President	6	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
2024	$91,134	$46,325	$2,489,650	$44,809
2023	$83,997	$41,067	$2,262,007	$42,930
2022	$70,573	$31,629	$1,912,556	$38,944
2021	$41,514	$35,923	$1,768,354	$5,591
2020	$53,668	$32,736	$1,670,247	$20,932

JAFARI NO-INTEREST CREDIT UNION