CHEDER SCHOLARSHIP ORGANIZATIONINC (EIN 860953552) - 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

1999

Legal Domicile

Principal Officer

ERIC SPITZER

Phone

5205293888

Tax Period

2024-07-01 to 2025-06-30

CHEDER SCHOLARSHIP ORGANIZATIONINC, founded in 1999, is a small nonprofit in the Education sector that reported $901K in total revenue in fiscal year 2024. Expenses of $811K left a modest 10% surplus.

Mission

TO PROVIDE SCHOLARSHIPS AND TUITION GRANTS FOR QUALIFIED STUDENTS AT QUALIFIED SCHOOLS TO ENABLE THEM TO ATTEND PRIMARY AND SECONDARY JEWISH SCHOOLS IN ARIZONA THAT ARE 501(C)(3) ORGANIZATIONS.

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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 $892,666

Program Service Revenue $0

Investment Income $8,319

Other Revenue $0

TOTAL REVENUE $900,985

Expense Breakdown

Grants Paid $699,066

Salaries & Benefits $0

Fundraising Expenses $10,586

Program Expenses $710,898

Other Expenses $111,454

TOTAL EXPENSES $810,520

Year-over-Year Comparison

	2024	2023	Change
Revenue	$900,985	$847,449	+0.1%
Expenses	$810,520	$932,238	-0.1%
Net Income	$90,465	$-84,789	-2.1%

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
ERIC SPITZER	PRESIDENT	1.00	Officer Director	$0	$0	$0
STEPHANIE HOFFMAN	TREASURER	1.00	Officer Director	$0	$0	$0
SETH RUSKIN	SECRETARY	1.00	Officer Director	$0	$0	$0
ELAINE GEFFEN	DIRECTOR	1.00	Director	$0	$0	$0
YOTAM SHMARGAD	DIRECTOR	1.00	Director	$0	$0	$0
TRACEY JECK	DIRECTOR	1.00	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	$900,985	$810,520	$446,468	$90,465
2024	$847,449	$932,238	$356,003	$-84,789
2023	$947,483	$1,127,375	$440,792	$-179,892
2022	$1,115,179	$1,234,034	$620,684	$-118,855
2021	$1,152,913	$809,087	$742,539	$343,826
2020	$1,010,537	$1,164,060	$840,112	$-153,523
2019	$1,152,576	$1,057,079	$1,066,943	$95,497
2018	$1,114,914	$1,080,190	$1,056,915	$34,724

CHEDER SCHOLARSHIP ORGANIZATIONINC