GEMACH CHESSED INC

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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

2019

Legal Domicile

Principal Officer

SHRAGO NEUBERGER

Phone

4104860572

Tax Period

2023-01-01 to 2023-12-31

GEMACH CHESSED INC, founded in 2019, is a community nonprofit in the Philanthropy & Grantmaking sector that reported $1.5M in total revenue in fiscal year 2023. Revenue decreased 11% compared to the prior year.

Mission

TO PROVIDE PASTORAL COUNSELING, FINANCIAL SUPPORT AND INTEREST FREE LOANS TO HELP INDIVIDUALS GET AND STAY MARRIED.

Program Service Accomplishments

Program 1

Expenses: $1,592,468 Revenue: $0

TO PROVIDE PASTORAL COUNSELING, FINANCIAL SUPPORT AND INTEREST FREE LOANS TO HELP INDIVIDUALS GET AND STAY 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 (2023)

Revenue Breakdown

Contributions & Grants $1,454,356

Program Service Revenue $0

Investment Income $0

Other Revenue $0

TOTAL REVENUE $1,454,356

Expense Breakdown

Grants Paid $1,587,469

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $1,592,468

Other Expenses $6,072

TOTAL EXPENSES $1,593,541

Year-over-Year Comparison

	2023	2022	Change
Revenue	$1,454,356	$1,630,094	-0.1%
Expenses	$1,593,541	$1,481,422	+0.1%
Net Income	$-139,185	$148,672	-1.9%

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
DAVID CYNAMON	SECRETARY	1.00	Officer Director	$0	$0	$0
YOSEF NEUBERGER	TREASURER	10.00	Officer Director	$0	$0	$0
SHRAGO NEUBERGER	PRESIDENT	20.00	Officer 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	No data	No data	No data	No data
2023	$1,454,356	$1,593,541	$134,479	$-139,185
2022	$1,630,094	$1,481,422	$240,364	$148,672
2021	$1,085,017	$1,087,034	$65,739	$-2,017