SPREAD CHEIN INC (EIN 821535565) - 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

Tax Period

2024-01-01 to 2024-12-31

SPREAD CHEIN INC is a small nonprofit in the Religion sector that reported $226K in total revenue in fiscal year 2024. The organization ran a surplus of $75K, a strong 33% operating margin.

Mission

Chein Inc Hebrew for Charm is formed for the charitable religious purpose of strengthening Jewish communities in the NY area and elsewhere by assisting young people especially those of limited means to get married and establish new Jewish families imbued with the qualities of love holiness and purity This organization will focus specifically on preparing brides for marriage by supplying counseling emotional support and religious education along with the practical necessities of the wedding like gowns cosmetics hair styles and anything else a Jewish bride might require on her wedding day and during the early stages of her married

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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 $225,685

Investment Income $0

Other Revenue $0

TOTAL REVENUE $225,685

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $147,777

Other Expenses $151,019

TOTAL EXPENSES $151,019

Year-over-Year Comparison

	2024	2023	Change
Revenue	$225,685	N/A	N/A
Expenses	$151,019	N/A	N/A
Net Income	$74,666	$0	N/A

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

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

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Rachel Iszak	President	5	Officer Director	$0	$0	$0
Malky Zino	Director	5	Director	$0	$0	$0
Leah Hoffman	Director	5	Director	$0	$0	$0
Rivky Horowitz	Director	5	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
2024	$225,685	$151,019	$167,259	$74,666

SPREAD CHEIN INC