Student to Student Inc (EIN 873354547) - 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

Principal Officer

Andrew Terkel

Phone

3142225520

Tax Period

2022-01-01 to 2022-12-31

Student to Student Inc is a small nonprofit in the Education sector that reported $529K in total revenue in fiscal year 2022. The organization ran a surplus of $269K, a strong 51% operating margin.

Mission

Student to Student, Inc. (renamed in 2023 at Be The Narrative) was formed to create and deliver interactive educational programs that connect Jewish and non-Jewish peers with the goal to develop leaders and reduce prejudice.

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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 (2022)

Revenue Breakdown

Contributions & Grants $526,606

Program Service Revenue $0

Investment Income $2,410

Other Revenue $0

TOTAL REVENUE $529,016

Expense Breakdown

Grants Paid $0

Salaries & Benefits $189,839

Fundraising Expenses $0

Program Expenses $204,758

Other Expenses $70,145

TOTAL EXPENSES $259,984

Year-over-Year Comparison

	2022	2021	Change
Revenue	$529,016	N/A	N/A
Expenses	$259,984	N/A	N/A
Net Income	$269,032	N/A	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

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

$119,952

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Andrew Terkel	Executive Dir.	40.00	Officer	$62,483	$57,469	$119,952
Joseph Pereles	Chairman	2.00	Officer Director	$0	$0	$0
John Kalishman	Treasurer	2.00	Officer Director	$0	$0	$0
James M Bennett	Secretary	1.00	Officer Director	$0	$0	$0
Lauren Fryefield	Director	1.00	Director	$0	$0	$0
Michelle Myerson	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
2024	No data	No data	No data	No data
2022	$529,016	$259,984	$278,327	$269,032

Student to Student Inc