T OF L INC (EIN 881323223) - 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

Principal Officer

CAROLE ZAWATSKY

Phone

4128017020

Tax Period

2024-07-01 to 2025-06-30

T OF L INC, founded in 2022, is a mid-sized nonprofit in the Arts, Culture & Humanities sector that reported $11.5M in total revenue in fiscal year 2024. Revenue surged 31% from the prior year, signaling strong growth momentum. The organization ran a surplus of $7.9M, a strong 68% operating margin.

Mission

TREE OF LIFE IS ON A MISSION TO UPROOT ANTISEMITISM BY REMEMBERING THOSE TAKEN FROM US AND BUILDING RELATIONSHIPS ACROSS DIFFERENCE TO REPAIR OUR WORLD.WE ARE CREATING A NEW, LOCALLY GROUNDED INSTITUTION WITH BROAD NATIONAL IMPACT. THE REIMAGINED TREE OF LIFE IS A PLACE THAT WILL CELEBRATE JEWISH LIFE AND TRADITION AND REMEMBER EACH VICTIM AND THE HORROR THAT HAPPENED HERE ON THIS SACRED GROUND. IT IS A PLACE THAT EDUCATES PEOPLE OF ALL AGES AND BACKGROUNDS, BUILDS CONNECTION, AND INSPIRES COURAGEOUS ACTION TO CREATE COMPASSIONATE COMMUNITIES.HATE DOES NOT EXIST IN ISOLATION. ANTISEMITISM OFTEN APPEARS WITH OTHER FORMS OF BIGOTRY AGAINST HISTORICALLY MARGINALIZED GROUPS. UPROOTING ONE FORM OF HATRED WILL REDUCE OTHER FORMS AS WELL. TREE OF LIFE IS POSITIONED TO BE A LEADER IN THE ANTI-HATE MOVEMENT. LIKE VISITORS TO GROUND ZERO IN NEW YORK CITY AND AUSCHWITZ IN POLAND, VISITORS TO THE SITE OF THE 10/27 ATTACK WILL EXPERIENCE A DEEPER CONNECTION TO THE TRAGEDY AS THEY

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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 $11,240,098

Program Service Revenue $18,522

Investment Income $189,734

Other Revenue $35,458

TOTAL REVENUE $11,483,812

Expense Breakdown

Grants Paid $64,218

Salaries & Benefits $1,419,480

Fundraising Expenses $565,342

Program Expenses $2,503,824

Other Expenses $2,145,329

TOTAL EXPENSES $3,629,027

Year-over-Year Comparison

	2024	2023	Change
Revenue	$11,483,812	$8,784,279	+0.3%
Expenses	$3,629,027	$3,829,315	-0.1%
Net Income	$7,854,785	$4,954,964	+0.6%

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

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

$520,211

Total Directors

$520,211

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
MICHAEL BERNSTEIN	BOARD CHAIR	20.00	Officer Director	$0	$0	$0
MERYL AINSMAN	DIRECTOR	5.00	Director	$0	$0	$0
SHEILA FINE	DIRECTOR	5.00	Director	$0	$0	$0
MAX GELERNTER	DIRECTOR	5.00	Director	$0	$0	$0
STEVE HALPERN	DIRECTOR	5.00	Director	$0	$0	$0
ALAN HAUSMAN	DIRECTOR	5.00	Director	$0	$0	$0
JASON KUSHNER	BOARD TREASURER	5.00	Officer Director	$0	$0	$0
LARRY LEBOWITZ	DIRECTOR	5.00	Director	$0	$0	$0
JEFFREY LETWIN	DIRECTOR	5.00	Director	$0	$0	$0
RAMSEY LYONS	DIRECTOR	5.00	Director	$0	$0	$0
WARNER MACKLIN	BOARD VICE TREASURER	5.00	Officer Director	$0	$0	$0
KENT MCELHATTAN	DIRECTOR	5.00	Director	$0	$0	$0
RABBI JEFFREY MYERS	EX-OFICIO	5.00	Director	$0	$0	$0
JO RECHT	DIRECTOR	5.00	Director	$0	$0	$0
DIANE ROSENTHAL	BOARD SECRETARY	5.00	Officer Director	$0	$0	$0
SAM REIMAN	DIRECTOR	5.00	Director	$0	$0	$0
LORI SHAPIRO	HONORARY MEMBER	5.00	Director	$0	$0	$0
JEFFREY SOLOMON	BOARD VICE CHAIR	5.00	Officer Director	$0	$0	$0
ANDREW STEWART	DIRECTOR	5.00	Director	$0	$0	$0
BONNIE VAN KIRK	DIRECTOR	5.00	Director	$0	$0	$0
ANTHONY WILLIAMS	DIRECTOR	5.00	Director	$0	$0	$0
CAROLE ZAWATSKY	CEO	40.00	Officer Director	$279,878	$17,599	$297,477
ROBIN COHEN	CFOO	40.00	Officer Director	$187,815	$34,919	$222,734

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	$11,483,812	$3,629,027	$25,115,209	$7,854,785
2024	$8,784,279	$3,829,315	$18,026,804	$4,954,964
2023	$12,847,429	$2,606,685	$10,923,522	$10,240,744

T OF L INC