CLIFTON CHEDER INC (EIN 841709380) - 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

2005

Legal Domicile

Principal Officer

YITZIE KAGAN

Phone

9734720011

Tax Period

2023-07-01 to 2024-06-30

CLIFTON CHEDER INC, founded in 2005, is a community nonprofit in the Education sector that reported $3.7M in total revenue in fiscal year 2023. Revenue decreased 12% compared to the prior year. Expenses of $4.5M exceeded revenue, resulting in a 22% operating deficit.

Mission

PROVIDE JEWISH RELIGIOUS 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 (2023)

Revenue Breakdown

Contributions & Grants $751,072

Program Service Revenue $2,693,996

Investment Income $0

Other Revenue $236,366

TOTAL REVENUE $3,681,434

Expense Breakdown

Grants Paid $0

Salaries & Benefits $3,494,605

Fundraising Expenses $0

Program Expenses $3,933,747

Other Expenses $982,170

TOTAL EXPENSES $4,476,775

Year-over-Year Comparison

	2023	2022	Change
Revenue	$3,681,434	$4,171,501	-0.1%
Expenses	$4,476,775	$3,072,688	+0.5%
Net Income	$-795,341	$1,098,813	-1.7%

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

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

$153,078

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
JOSEPH SELDOWITZ	PRINCIPAL	040.00	Key Emp Highest	$153,078	$0	$153,078
NATHAN LORD	PRESIDENT	010.00	Officer	$0	$0	$0
ADAM BUCKSTEIN	DIRECTOR	010.00	Officer	$0	$0	$0
AVROHOM WEINSTOCK	DIRECTOR	010.00	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
2025	No data	No data	No data	No data
2024	$3,681,434	$4,476,775	$6,745,681	$-795,341
2023	$4,171,501	$3,072,688	$7,987,067	$1,098,813
2022	$5,070,124	$3,180,413	$6,639,596	$1,889,711
2021	$2,926,952	$2,967,737	$5,820,808	$-40,785
2020	$1,687,602	$2,031,345	$3,881,421	$-343,743
2019	$2,455,991	$2,374,868	$815,915	$81,123
2018	$2,118,287	$2,085,736	$683,834	$32,551

CLIFTON CHEDER INC