Congregation Ramapo Cheder

Nonprofit profile at a glance

EIN
825471948
IRS 990 coverage
2018–2024
Forms available
Form 990 2024
Location
Spring Valley, NY, USA
Phone
8453627700
Rating
87
Verdict
STRONG
Rating confidence
Moderate
Sector
Human Service Organizations
Affiliation
Judaism

Reported finances

Revenue
$7,537,542
Expenses
$7,587,514
Assets
$7,470,061
Liabilities
$1,510,747

Source: IRS Form 990. Selected filing: tax year 2024. Amounts in USD.

Leadership & pay

6 people listed

Executive titles in this filing

  • Joseph Kazarnovsky (President)

Highest reported compensation

  • Jordan Most (Executive Dir.): $60,000 total reported compensation

Source: IRS Form 990. Selected filing: tax year 2024. Names and roles reflect this filing, not necessarily current officeholders.

Overview

Mission

To promote the principles of the Jewish religion and Judaism, by establishing a synagogue as a place of Jewish worship as well as a place of study of the laws and books of the Jewish faith.

What it reported doing in 2024

To promote the principles of the Jewish religion and Judaism, by establishing a synagogue as a place of Jewish worship as well as a place of study of the laws and books of the Jewish faith. During 2025, there were 281 students in the school.

Operating model

Revenue model
Mixed. Its operating money came from several sources; no one source provided a clear majority.
Distribution model
Hybrid. The nonprofit split its reported program spending across 71% for direct work, and 29% for grants.

The verdict

STRONG - A large share of available resources goes toward mission work and the filed numbers largely add up. Some filing-based governance responses are negative or unanswered and expenses are high relative to revenue.

Rating breakdown

  • Financial Efficiency: 89
  • Transparency & Controls: 94
  • Accountability: 79
  • Sustainability: 39
  • Growth: 100

Detailed rating inputs

Financial Efficiency

  • Mission deployment rate: 91.2%; rating input score 91
  • Program expense ratio: 90.6%; rating input score 91
  • Fundraising efficiency: $37.68 raised per $1 spent on fundraising; rating input score 74; 74th percentile among comparable filings

Transparency & Controls

  • Consistency checks: 100%; rating input score 100; 63rd percentile among comparable filings
  • Pay-setting controls: Limited
  • Foreign activity oversight: Limited
  • Grant itemization coverage: 99.8%; rating input score 100; 41st percentile among comparable filings
  • Major donor itemization: Yes; rating input score 100
  • Related-party transparency: Limited

Accountability

  • Independent voting board: 100%; rating input score 100; 63rd percentile among comparable filings
  • Governance controls: 4 of 8 controls in place; rating input score 50
    • Conflict-of-interest policy: Pass
    • Whistleblower policy: Fail
    • Document-retention policy: Fail
    • CEO compensation review process: NotApplicable
    • Other executive compensation review process: Pass
    • Form 990 shared with the board: Pass
    • Board meeting minutes documented: Fail
    • Audit committee oversight: Fail
    • Independent financial-statement audit: Pass

Sustainability

  • Operating margin: -0.7%; rating input score 30; 30th percentile among comparable filings
  • Total-asset coverage ratio: 0.98; rating input score 36; 36th percentile among comparable filings
  • Liabilities to assets ratio: 0.2; rating input score 44; 44th percentile among comparable filings
  • Officer compensation ratio: 0.8%; rating input score 81; 81st percentile among comparable filings

Growth

  • Program expense growth: 39.6% per year; rating input score 100; 95th percentile among comparable filings
  • Revenue growth: 39.2% per year; rating input score 100; 96th percentile among comparable filings
  • Asset growth: 51.3% per year; rating input score 100; 98th percentile among comparable filings

Details

  • Where the money goes: 91.2% of revenue deployed · 90.6% of spending went to programs
  • Governance: 6 of 6 board members independent · 4 of 8 filing controls reported
  • Programs: 1 filed program accomplishment · $6.9M in reported program spending
  • Leadership: top reported pay $60K · 6 people listed
  • Highest-paid contractors: 5 contractors listed · $1.3M reported
  • Consistency: 33 of 33 current checks pass
  • Schedules: 6 filed schedules · includes major donors and grants
  • Filing history: 7 filing years from 2018 to 2024
  • Contacts: How to reach this organization
  • Money network: 9 filed money-flow records
  • Related organizations: 10 filed related-organization links
  • Grant readiness: Federal tax and exclusion status, award history, and grant-maker relationships.
  • People: Everyone the filings name, and which of them the filings identify by more than a name.

Key Signals

Signals prioritize questions for review. They are not findings of misconduct.

  • Review — Accountability: Governance controls: 4 of 8 not reported.
  • Moderate — Sustainability: Operating margin scored 30/100.
  • Moderate — Sustainability: Total-asset coverage ratio scored 36/100.
  • Moderate — Sustainability: Liabilities to assets ratio scored 44/100.