Passaic-Clifton Gemach Inc (EIN 881012153) - 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

2022

Legal Domicile

Phone

2127518337

Tax Period

2023-01-01 to 2023-12-31

Passaic-Clifton Gemach Inc, founded in 2022, is a micro nonprofit in the Unknown sector that reported $86K in total revenue in fiscal year 2023. Revenue decreased 10% compared to the prior year. The organization ran a surplus of $67K, a strong 77% operating margin.

Mission

FUND TO PROVIDE FREE LOAN OF ITEMS AND FUNDS TO THE NEEDY AS WELL AS FOR ANY OTHER LAWFUL NON PROFIT PURPOSE

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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 $86,373

Program Service Revenue $0

Investment Income $0

Other Revenue $0

TOTAL REVENUE $86,373

Expense Breakdown

Grants Paid $18,886

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $18,886

Other Expenses $797

TOTAL EXPENSES $19,683

Year-over-Year Comparison

	2023	2022	Change
Revenue	$86,373	$95,506	-0.1%
Expenses	$19,683	$943	+19.9%
Net Income	$66,690	$94,563	-0.3%

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

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

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
ALEXANDER GROYSMAN	Chairman	5.00	Officer Director	$0	$0	$0
ADAM SAUNDERS	Secretary	1.00	Officer Director	$0	$0	$0
Jason Leff	Treasurer	1.00	Officer Director	$0	$0	$0
BENJAMIN Rowner	Director	5.00	Director	$0	$0	$0
ELOR KAHALANY	Vice Chairman	1.00	Officer Director	$0	$0	$0
Michael Siegal	Director	1.00	Director	$0	$0	$0
Adam Zimmer	Director	1.00	Director	$0	$0	$0
Moshe Karfunkel	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
2023	$86,373	$19,683	$630,473	$66,690
2023	$86,373	$19,683	$630,473	$66,690
2022	$95,506	$943	$198,563	$94,563

Passaic-Clifton Gemach Inc