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Congregation Ramapo Cheder EIN 82-5471948

Congregation Ramapo Cheder

EIN  82-5471948 Religious organization Spring Valley, NY Founded 2018
Form 990 (PDF) Compare with another nonprofit →
Verified accurate 7/21/26 · see original filing: IRS
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Size
$1–10M
What they do
Establishes a synagogue for Jewish worship, study, and promotion of Jewish faith and principles.
Leadership
Jordan Most · Executive Dir. · $60K
Money in and out
$7.5M revenue, $7.6M expenses
Bottom line
91% program efficiency

Establishes a synagogue for Jewish worship, study, and promotion of Jewish faith and principles. For fiscal year 2024 it reported $7.5M in revenue, $7.6M in expenses, and $6.0M in net assets.Pt I

Where the money goes · FY2024
Total revenue
$7.5M
Pt VIII · Ln 12
Total expenses
$7.6M
Pt IX · Ln 25
Net assets
$6.0M
Pt X · Ln 32
Revenue less expenses (Pt I · Ln 19): −$50K
Where spending went · Part IX cols B–D
Program services $0.91 Management & general $0.08 Fundraising $0.01
Program efficiency
91%
of spending reaches programs▼ -1% vs prior filing year
Operating runway
0.5mo
months of highly liquid reserves at operating expense rate▲ +25% vs prior filing year
Surplus margin
-1%
revenue over expenses, this year▼ -102% vs prior filing year

Summary of the Filing

Part I · fiscal year 2024 · Form 990
Revenue
$7.5M
FY2024▼ -39%
Expenses
$7.6M
FY2024▲ +9%
Total assets
$7.5M
FY2024▲ +5%
Total liabilities
$1.5M
FY2024▲ +38%
Total revenue
$7.5M
Pt VIII · Ln 12
Total expenses
$7.6M
Pt IX · Ln 25
Net assets
$6.0M
Pt X · Ln 32
Revenue less expensesPt I · Ln 19−$50K
Total assetsPt X · Ln 16$7.5M
Program-expense ratioPt IX · col B91%
Voting members of governing bodyPt I · Ln 36
Independent voting membersPt I · Ln 46
Mission & Programs · Part III

Where the work happens

1 program service account for $6.9M of program spending, described in the organization's own filed words · FY2024.
01

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.

$6.9Mprogram expense

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Identity & Classification

Form 990 Header · IRS Business Master File
Legal nameHdr · item CCongregation Ramapo Cheder
EINHdr · item D82-5471948
Principal addressHdr · item CSpring Valley, NY
WebsiteHdr · item Jnone reported
Year of formationHdr · item L2018
State of legal domicileHdr · item MNY
Exempt statusHdr · item I501(c)(3) · active
NTEE classificationIRS BMFHuman Services (P20)
Ruling yearIRS BMFFeb 2019

Governance & Policies

Part VI
Voting members of the governing bodyPt VI · Ln 1a6
Independent voting membersPt VI · Ln 1b6
Conflict-of-interest policyPt VI · Ln 12aYes
Whistleblower policyPt VI · Ln 13No
Document retention policyPt VI · Ln 14No
CEO/top-official compensation independently reviewedPt VI · Ln 15aNo
Family or business relationships among officers/directorsPt VI · Ln 2No

Officers, Directors & Key Employees

Part VII, Section A · reportable compensation
Jordan Most
Executive Dir.
$60,000Pt VII · Sec A
$0Pt VII · Sec A
$0Pt VII · Sec A
$0Pt VII · Sec A
$0Pt VII · Sec A
$0Pt VII · Sec A

Jordan Most’s $60K as Executive Dir. is at the 7th percentile of top reported officer pay among 3864 $1–10M human services nonprofits. Peer set: organizations in the same NTEE major field of work and revenue-size band, compared on each org’s own highest-paid officer/key-employee, from Form 990 Part VII / 990-PF Part VIII. Descriptive placement, not a verdict on whether the pay is appropriate.

Compensation history total reportable pay by year · 1 named individual · Part VII

NameFY2024FY2024FY2023
Jordan Most$60,000$60,000$60,000

Total reportable compensation (Form 990 Part VII column D / Schedule J column E) by filing year, matched by name within this organization. The Schedule J base / bonus / deferred breakdown is not parsed into this dataset.

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Statement of Revenue

Part VIII
Program service revenue$4.0M · 54%
Contributions & grants$3.2M · 43%
Other revenue$260K · 3%
Program service revenue54%$4.0M
Contributions & grants43%$3.2M
Other revenue3%$260K
— government grantsLn 1e$209K
Total revenueLn 12$7.5M

Statement of Functional Expenses

Part IX · allocated across program, management, and fundraising
Allocation · columns B–D
Program services $0.91 Management & general $0.08 Fundraising $0.01
Program services91%$6.9M
Management & general8%$626K
Fundraising1%$86K
Total functional expensesLn 25$7.6M

Balance Sheet

Part X · end of year
CashLn 1$298K
Total assetsLn 16$7.5M
Total liabilitiesLn 26$1.5M
Total net assetsLn 32$6.0M
Months of cash on handcomputed0.5

Financial Metrics

Form 990 · FY2024 · each ratio shown with the dollars behind it
Liquidity & Payout
Operating runway
Highly liquid reserves $298K · Operating expenses/yr $7.6M
0.5 months
Where the money goes
Program services
Program services $6.9M · Total expenses $7.6M
91%
Management & General
Management & general $626K · Total expenses $7.6M
8%
Fundraising
Fundraising $86K · Total expenses $7.6M
1%
Cost to raise $1
Fundraising expense (3-yr avg) $47K · Solicited contributions (3-yr avg) $4.3M
$0.01 to raise $1 (3-yr avg)
Where the money comes from
Contribution dependence
Contributions & grants $3.2M · Total revenue $7.5M
43%
Government reliance
Government grants $209K · Total revenue $7.5M
3%
Earned-income share
Program service revenue $4.0M · Total revenue $7.5M
54%
Investment reliance
Investment income $0 · Total revenue $7.5M
0%
Program self-sufficiency
Program service revenue $4.0M · Total expenses $7.6M
53%
Growth & trend
Revenue growth (YoY)
This year $7.5M · Prior year $12.3M
-39%
Revenue CAGR
FY2020 $1.7M · FY2024 $7.5M
+44%
Net-asset trend (YoY)
End of year $6.0M · Beginning of year —
Beginning net assets not meaningfully positive — showing dollar change
Balance sheet
Surplus Margin
Revenue $7.5M · Expenses $7.6M
-1%
Liabilities-to-Assets
Total liabilities — · Total assets $7.5M
—
Net-asset ratio
Net assets $6.0M · Total assets $7.5M
80%
Marketable Investment Share
Publicly traded securities (Pt X, ln 11) $0 · Other securities (Pt X, ln 12) $0 · Total assets (Pt X, ln 16) $7.5M
0%
People & payroll
Highest Reported Total Compensation
Individual Jordan Most · Reported title Executive Dir. · Highest reported compensation $60K · Total expenses $7.6M
1%
Personnel share
Salaries, benefits & payroll (Pt IX 5-10) $3.6M · Total expenses $7.6M
48%
Peer comparison

Same NTEE category, revenue band, and state where available. Descriptive — not a grade.

MetricThis orgPeer medianPercentile
Program ratio 91%——
Overhead ratio 8%——
Fundraising cost ratio 3%——
Revenue growth -39%——

Straight from the Form 990 — descriptive, not an evaluation. A ratio is hidden when its base is zero or too small to be meaningful; the dollars are always shown.

Grants

Schedule I · received and paid
Grants received · FY2024
The Ojc FundFY2024$51K
Fidelity Investments Charitable Gift FundFY2024$25K
R & D Foundation INCFY2024$25K
Jewish Communal FundFY2024$18K
Charities Aid Foundation AmericaFY2024$7K
Ashira Program INCFY2024$6K
Harvey and Shelli Dachs Charitable Foundation TrFY2024$1K
Total grants receivedfrom 7 funders$134K
See all 7 funders →
Grants paid · 14 grants · $5.6M · 2020–2024
Unitemized GrantFY2024$1,843,405
Torah Tefillah of MonseyNY · FY2024$28,500
Congregation Beth Rochel of MonseyNY · FY2024$24,000
Congregation Masores Hachinuch INCNY · FY2024$21,450
Bais Yaakov Elementary of Rockland CountyNY · FY2024$20,730
Beis Chinuch GevoahNY · FY2024$6,450
Bais Yaakov of Spring ValleyNY · FY2024$6,000
Bais DovidNY · FY2024$5,610
Congregation Ohr Torah INCNY · FY2024$5,355
Unitemized GrantFY2023$2,033,245
Unitemized GrantFY2022$683,590
Chevras TorahFY2022$9,000
Unitemized GrantFY2021$603,877
Unitemized GrantFY2020$292,249

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Filings & Schedule Manifest

Part IV
III · Programs I · Grants R · Related orgs G · Fundraising L · Interested persons A · Public support F · Foreign M · Noncash
FY2024$12.3M revenue · ⤓ 990 PDF
FY2023$4.9M revenue · ⤓ 990 PDF
FY2022$3.4M revenue · ⤓ 990 PDF
FY2021not on file
FY2020$1.7M revenue · ⤓ 990 PDF

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Sources

Every figure above is drawn from these filings
Form 990 e-file (XML) · FY2024IRS
Classification, formation year, addressIRS Business Master File
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