MTE Programs Inc

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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

2024

Legal Domicile

Principal Officer

Jeremy Joszef

Phone

9145880889

Tax Period

2025-01-01 to 2025-09-30

MTE Programs Inc, founded in 2024, is a small nonprofit in the Religion sector that reported $700K in total revenue in fiscal year 2025. Expenses of $777K exceeded revenue, resulting in a 11% operating deficit.

Mission

MTE Inc. is built on Torah and Zionist values and cultivates growth, character and community through travel, innovative programming, and education.

Program Service Accomplishments

Program 1

Expenses: $625,382 Revenue: $699,867

MTE advanced its mission by delivering high-quality experiential Jewish learning and travel programs for teens. The organization developed and launched Amcha, an all-boys Israel travel program...

MTE advanced its mission by delivering high-quality experiential Jewish learning and travel programs for teens. The organization developed and launched Amcha, an all-boys Israel travel program combining Torah study, athletics, and experiential education. In addition to this flagship program, MTE continued planning future experiential Jewish learning initiatives to broaden its impact and serve a growing population of Modern Orthodox teens across the United States, Canada, and Israel.

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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 (2025)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $699,867

Investment Income $0

Other Revenue $0

TOTAL REVENUE $699,867

Expense Breakdown

Grants Paid $0

Salaries & Benefits $127,804

Fundraising Expenses $0

Program Expenses $625,382

Other Expenses $649,504

TOTAL EXPENSES $777,308

Year-over-Year Comparison

	2025	2024	Change
Revenue	$699,867	N/A	N/A
Expenses	$777,308	N/A	N/A
Net Income	$-77,441	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

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

$556,163

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Jeremy Joszef	Executive Dir.	15.00	Officer	$112,500	$22,500	$556,163
Dara Orbach	Director	1.00	Director	$0	$0	$0
Jeremy Kirschner	Treasurer	1.00	Officer Director	$0	$0	$0
Mark Klein	Director	1.00	Director	$0	$0	$0
Andrew Lauer	Director	1.00	Director	$0	$0	$0
Jennifer Ottensoser	Director	1.00	Director	$0	$0	$0
Mark Gottlieb	Director	1.00	Director	$0	$0	$0
Michele Saks	Secretary	1.00	Officer Director	$0	$0	$0
David Savitsky	President	6.00	Officer Director	$0	$0	$0
Suzy Schwartz	Director	1.00	Director	$0	$0	$0
Israel Glaser	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	$699,867	$777,308	$2,785	$-77,441