JEWISH TUITION ORGANIZATION (EIN 860970081) - 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

Jason Bernstein

Phone

4806344926

Tax Period

2024-07-01 to 2025-06-30

JEWISH TUITION ORGANIZATION, founded in 1999, is a community nonprofit in the Education sector that reported $4.1M in total revenue in fiscal year 2024.

Mission

Provide scholarship and tuition grants to enable students to attend Jewish primary and secondary schools in the state of Arizona.

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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 $3,986,464

Program Service Revenue $0

Investment Income $133,064

Other Revenue $0

TOTAL REVENUE $4,119,528

Expense Breakdown

Grants Paid $3,666,625

Salaries & Benefits $274,223

Fundraising Expenses $220,644

Program Expenses $3,800,494

Other Expenses $140,759

TOTAL EXPENSES $4,081,607

Year-over-Year Comparison

	2024	2023	Change
Revenue	$4,119,528	$3,948,498	+0.0%
Expenses	$4,081,607	$3,304,579	+0.2%
Net Income	$37,921	$643,919	-0.9%

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

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

$122,649

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Janet Silva	Executive Dir.	40.00	Officer	$122,649	$0	$122,649
Rabbi Nesanel Kipper	Board Member	1.00	Director	$0	$0	$0
Jason Bernstein	Treasurer	1.00	Officer Director	$0	$0	$0
Jonathan Miller	Board Member	1.00	Director	$0	$0	$0
Rayshelle Webb	Board Member	1.00	Director	$0	$0	$0
Michelle Bernat	Board Member	1.00	Director	$0	$0	$0
Samual Zaila	Board Member	1.00	Director	$0	$0	$0
Gaby Friedman	Board Member	1.00	Director	$0	$0	$0
Rabbi Gavriel Goetz	Board Member	1.00	Director	$0	$0	$0
Jeffrey Karp	Secretary	1.00	Officer Director	$0	$0	$0
Chad Mandelbaum	President	1.00	Officer Director	$0	$0	$0
Rabbi Raphael Landesman	Board Member	1.00	Director	$0	$0	$0
Dan Postal	Past President	1.00	Director	$0	$0	$0
Brian Weinberger	Board Member	1.00	Director	$0	$0	$0
Heather Elias	Board Member	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	$4,119,528	$4,081,607	$3,772,973	$37,921
2024	$3,948,498	$3,304,579	$3,478,549	$643,919
2023	$4,623,437	$4,269,224	$3,820,057	$354,213
2022	$4,753,116	$4,749,196	$3,870,163	$3,920
2021	$4,123,444	$4,094,450	$3,272,776	$28,994
2020	$4,152,340	$4,425,839	$3,348,792	$-273,499
2019	$4,701,793	$5,149,988	$4,603,339	$-448,195
2018	$4,271,046	$4,202,857	$4,187,028	$68,189

JEWISH TUITION ORGANIZATION