Academy for Jewish Religion

Private nonprofitOther / Unclassified

Fin. Resilience

Resilience score

vs. 173 peers in its group

Academy for Jewish Religion is a private nonprofit institution in Yonkers, NY.

It is benchmarked here against 173 peer institutions (Other / Unclassified · Private nonprofit).

On Ibex's Financial Resilience score it rates 92 out of 100 within that peer group, a transparent composite of endowment per undergraduate, net tuition revenue per student, and instructional spend per student.

Its strongest standing relative to peers is net tuition revenue / fte ($38,269, 96th percentile).

Its weakest is direct competitors within 100 mi (38).

Peer group

Other / Unclassified · Private nonprofit

173 institutions

No cross-metric risk flags triggered.

Policy & demographic exposure

How exposed Academy for Jewish Religion is to the structural shifts reshaping higher ed: a composite structural-risk index plus the 2025 federal budget law’s endowment excise tax, Grad PLUS elimination, new Parent PLUS borrowing cap and new Workforce Pell short-term-credential opportunity, and the demographic enrollment cliff. Only signals that apply to this institution are shown.

Structural risk index

Elevated

Grad PLUS exposure

48%

High exposure

Higher than 86% of schools nationally

AY2025-26 YTD (through Q2, Dec 2025)

Avg Grad PLUS loan

$57,684

Above the cap

Higher than 99% of schools nationally

AY2025-26 YTD (through Q2, Dec 2025)

Enrollment cliff (home state)

-27%

Severe decline

Among the most exposed nationally. In the top 10% of U.S. institutions on avg grad plus loan.

Indicative signals, not forecasts, see each metric’s definition and the methodology. Endowment-tax, Grad PLUS, Parent PLUS and Workforce Pell figures appear only where the institution is actually exposed; “nationally” compares against all schools that report each signal.

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Financial Health Index

5.3

on a −4 to 10 scale

Financial Health IndexStable

NACUBO Composite Financial Index, the balance-sheet health score accreditors and institutional boards use to gauge financial health; bond-rating agencies track similar ratios. 78th percentile of 173 peers. Carries little or no plant debt, so the viability ratio is excluded and weights re-normalized.

Primary reserve 55%8 mo

Return on net assets 30%38%

Operating result 15%-4%

Composite of four ratios on a strength-factor scale (−4 weak → 10 strong): below 3 falls short of the threshold for financial health, below 1 signals acute stress, and above 6 is strong. Computed from IPEDS FY2022-23, the most recent finance release (it lags the current year by 2–3 years). Branch campuses that report finances at a parent/system level can show distorted ratios. For informational benchmarking, not a credit rating or financial advice.

Revenue composition

Where the money comes from $2.1M total revenue · IPEDS FY2022-23

Tuition & fees is the largest single source at 67% of revenue.

Tuition & fees67.1%

Private gifts & grants32.8%

Investment return0.1%

Where each dollar of revenue comes from, as a share of total positive revenue. Sources are standardized across public (GASB) and private (FASB) reporting; a net investment loss in a down market is shown as 0% and excluded from the mix.

Financial Health

Net tuition revenue / FTE

Strong

$38,269

96th percentile in peer grouppeer median $11,688

2024-25166 peers

Instructional spend / FTE

Strong

$27,456

89th percentile in peer grouppeer median $11,423

2024-25166 peers

Operating margin

Strong

15.5%

75th percentile in peer grouppeer median 7.6%

FY2022-2348 peers

Net surplus as a share of total revenue (IPEDS FY2022-23): (total revenues − total expenses) ÷ total revenues. A surplus above 4% is strong; a thin surplus near 0% leaves little margin for shocks.

Tuition dependency

67.1%

69th percentile in peer grouppeer median 40.5%

FY2022-2348 peers

Tuition & fees as a share of total revenue (IPEDS FY2022-23). Higher = more exposed to enrollment swings.

Tuition discount rate

Moderate

3.7%

53rd percentile in peer grouppeer median 2.8%

FY2022-23144 peers

Institutional grant aid as a share of gross tuition & fee revenue (IPEDS FY2022-23, FASB): allowances applied to tuition ÷ (net tuition revenue + those allowances) – the tuition-discount rate enrollment leaders track, i.e. the share of sticker tuition handed back as institutional aid. Private nonprofit institutions only; public (GASB) institutions report tuition differently and are not shown. The national private-college average is roughly 56% (NACUBO); above ~60% signals heavy price competition.

State appropriations share

96th percentile in peer grouppeer median 0%

FY2022-2348 peers

State appropriations as a share of total revenue (IPEDS FY2022-23). Material for public institutions; ~0 for private.

Administrative cost share

22.3%

62nd percentile in peer grouppeer median 18.5%

FY2022-23133 peers

Institutional support, central administration, executive management, governance, general administration, fundraising and (under FASB rules) operation & maintenance of plant, as a share of total expenses (IPEDS FY2022-23, FASB). Private nonprofit institutions only: public (GASB) institutions report functional expenses on a different basis and frequently consolidate large hospital and auxiliary operations, which makes a comparable ratio unreliable, so they are not shown. Because FASB folds plant operations into institutional support, this runs higher than a narrow 'central-office' figure, and schools with sizable hospital or auxiliary operations show a lower ratio as those costs enlarge total expenses. An informational benchmark of administrative intensity, compared within the peer group, not a measure of waste or quality.

Months of operating cushion

Strong

8 mo

78th percentile in peer grouppeer median 0.7 mo

FY2022-2340 peers

How many months of operating expenses the institution could cover from expendable reserves (IPEDS FY2022-23 primary reserve ratio × 12). About 5 months, one semester, is the accreditor benchmark for solid footing; below ~3 months is thin. A negative figure means expendable reserves are themselves negative.

Return on net assets

Strong

38%

83rd percentile in peer grouppeer median 9.8%

FY2022-2336 peers

Change in total net assets ÷ net assets (IPEDS FY2022-23) – whether the institution grew wealthier over the year. 2–4% is adequate; above 4% is strong.

Spent on instruction

49.5%

50th percentile in peer grouppeer median 49.5%

2024-25147 peers

Instruction spending divided by total functional expenses (IPEDS Finance, FY2022-23 (FASB)). 'Where the money goes' context, reported here for private-nonprofit (FASB) institutions only, where the functional split is comparable; not computed for public or for-profit institutions. Higher is not automatically better; research universities and those with hospitals or large auxiliaries spread spending across other functions.

Spent on student services

24.9%

93rd percentile in peer grouppeer median 4.8%

2024-25147 peers

Student-services spending (admissions, registrar, student life, counseling) divided by total functional expenses (IPEDS Finance, FY2022-23 (FASB)). Private-nonprofit (FASB) institutions only. Spending-mix context, not a quality measure.

Spent on academic support

1.8%

36th percentile in peer grouppeer median 5%

2024-25147 peers

Academic-support spending (libraries, academic computing, deans' offices) divided by total functional expenses (IPEDS Finance, FY2022-23 (FASB)). Private-nonprofit (FASB) institutions only. Context, not a quality measure.

Spent on research

96th percentile in peer grouppeer median 0%

2024-25147 peers

Research spending divided by total functional expenses (IPEDS Finance, FY2022-23 (FASB)). Private-nonprofit (FASB) institutions only; near zero at teaching-focused colleges and sizeable at research universities. Spending-mix context, not a quality measure.

Grad PLUS exposure

High exposure

48%

2024-25

Share of the institution's graduate federal loan dollars (Grad Unsubsidized + Grad PLUS) that came from Grad PLUS, the program the 2025 budget law eliminates for new borrowers from July 1, 2026, alongside new caps on graduate borrowing. A higher share means more of the school's graduate students rely on borrowing that will no longer exist above the unsubsidized cap. Source: U.S. Dept. of Education / Federal Student Aid Direct Loan Dashboard, primarily award year 2025-26 (year-to-date through Q2, December 2025), the most current federal data; schools not yet reporting Grad PLUS in 2025-26 retain their most recent complete year (2024-25), shown per school. The reliance share is stable across the two vintages. Shown only for schools with Grad PLUS originations; an exposure signal, not a forecast of revenue loss.

Avg Grad PLUS loan

Above the cap

$57,684

2024-25

Average Grad PLUS loan per recipient (FSA Direct Loan Dashboard, award year 2025-26 year-to-date through Q2, with 2024-25 full-year retained where 2025-26 is not yet reported). The 2025 budget law eliminates Grad PLUS for new borrowers from July 1, 2026 and caps unsubsidized graduate borrowing at $20,500/year, so this is the average per-borrower amount that will no longer be available above that cap. Paired with Grad PLUS exposure (the institution's reliance share), it is the depth axis of the Grad PLUS shock: how much each affected borrower stands to lose. Shown only where Grad PLUS was originated.

Structural risk index

Elevated

2024-25

An indicative 0–100 structural-risk index (higher = more pressure), an equal-weight blend of the stress signals we measure: thin or negative operating margin, low months of operating cushion, high tuition dependency, and a shrinking home-state high-school-graduate pipeline (enrollment cliff). Averaged over whichever signals are available (at least two required). It screens for the financial and demographic pressures that precede closures and mergers, a directional indicator, NOT a prediction that any institution will close, and not a credit rating.

Enrollment & Pipeline

12-month FTE enrollment

26th percentile in peer grouppeer median 75

2022-23162 peers

Full-time-equivalent enrollment over the full 12-month year (IPEDS 12-month enrollment, 2022-23). Counts part-time students at their fractional load, so it runs above fall full-time headcount and is the denominator used for per-student finance measures.

Fully online students

100%

100th percentile in peer grouppeer median 0%

2024-25159 peers

Share of students enrolled exclusively in distance-education courses (IPEDS, Fall 2023). Describes delivery model, not quality; online-heavy institutions look different on residential measures.

Applicant-pool diversity shift

+0.9%

WICHE 2024 (11th ed.)

Percentage-point change in the non-white share of the institution's home-state public high-school graduating class between the class of 2025 (the national peak) and 2037 (WICHE, Knocking at the College Door, 11th ed., public-school race detail). A forward look at who the future applicant pool will be: a positive value means the state's graduating class is projected to grow more racially diverse. Strategic recruiting context, not a forecast of any one school's enrollment, and a college recruits from many states.

Hybrid (some online) enrollment

77th percentile in peer grouppeer median 0%

Fall 2023159 peers

Share of all students taking some, but not all, of their courses at a distance (IPEDS, Fall 2023). This is the hybrid middle ground between the fully online share and the fully in-person share, and it signals how far a school has moved coursework online without going exclusively remote. Context metric, not better or worse. Banded against the school's peer group.

Graduate share of enrollment

100%

100th percentile in peer grouppeer median 0%

Fall 2023159 peers

Graduate students as a share of total headcount enrollment (IPEDS, Fall 2023). It separates research-intensive universities with large graduate bodies from undergraduate-focused institutions. Context metric, not better or worse. Banded against the school's peer group.

Women share of faculty

31.6%

26th percentile in peer grouppeer median 60.5%

2023-24152 peers

Women as a share of all instructional staff, full- and part-time combined (IPEDS Human Resources, Fall 2023). A gender-composition signal for the teaching workforce. Context metric, not better or worse. Banded against the school's peer group.

Faculty of color share

5.3%

29th percentile in peer grouppeer median 22.5%

2023-24152 peers

Instructional staff who are American Indian/Alaska Native, Asian, Black, Hispanic, Native Hawaiian/Pacific Islander, or two-or-more races, as a share of all instructional staff (IPEDS Human Resources, Fall 2023). Nonresident and race-unknown staff are excluded from the numerator. Context metric, not better or worse. Banded against the school's peer group.

Direct competitors within 100 mi

Below peers

92nd percentile in peer grouppeer median 4

2024-25173 peers

How many institutions of the same type (same Carnegie classification and control, i.e. the schools competing for the same students) sit within roughly 100 miles. A higher count means a more crowded local market and a harder yield fight, which matters most as the regional pool of high school graduates shrinks; a low count means the school has its catchment largely to itself. Distance is straight-line from campus coordinates. Banded against the school's peer group. Fewer is better for recruiting leverage.

Metro-area unemployment rate

Below peers

6.5%

88th percentile in peer grouppeer median 5.4%

ACS 2019-23163 peers

The civilian unemployment rate in the school's metropolitan or micropolitan area (US Census ACS 2019-23, mapped by the school's federal CBSA code). It is a proxy for local labor demand: a lower rate means a tighter job market, a stronger near-term destination for graduates and a smaller pool of working adults to recruit. It describes the local economy, not the school. Schools outside any metro area are not scored. Banded against the school's peer group.

Enrollment cliff (home state)

Severe decline

-27%

2024-25

Projected change in the number of high-school graduates in the institution's HOME STATE from the class of 2025 (the national peak) to 2041, per WICHE's Knocking at the College Door, 11th Edition (Dec 2024). The 'enrollment cliff' is the post-2008 birth decline reaching college age; the U.S. total is projected to fall about 13% over this window. A college recruits from many states, so its home-state projection is an indicative directional signal of feeder-market pressure, not a forecast of that institution's own enrollment.

In-state HS graduates

206,184

76th percentile in peer grouppeer median 137,304

Class of 2025 (WICHE)170 peers

The size of the school's home-state high-school graduating class in 2025 (WICHE Knocking at the College Door, public and private combined). It is the near-term in-state feeder market, the complement to the enrollment-cliff projection, which shows the direction that market is heading. Context metric, not better or worse. Banded against the school's peer group.

Net-price momentum (CAGR)

Strong

-3.2%

18th percentile in peer grouppeer median 4.3%

2024-25147 peers

Compound annual growth rate of net tuition revenue per full-time-equivalent student over the tracked years. A high positive rate means the school's real net price is climbing faster than peers, which can strain affordability and yield. Banded against the school's peer group. Lower is better.

Top fields of study (all levels)

Academy for Jewish Religion’s largest fields by completions, with graduate earnings (4 years out) and debt benchmarked against the same field at its peer group. Sparklines show the 8-year completions trend.

Field	Completions / yr	Median earnings, 4 yrs out	Median debt	Earnings premium	Risk score
Theology & Religious Vocations	3	–	–	–	–

Earnings-premium status is an indicative estimate: median graduate earnings four years out vs the NY state median earnings of a high-school graduate (undergraduate credentials) or a bachelor’s-degree holder (graduate credentials) from the U.S. Census Bureau’s American Community Survey (2022 ACS 5-year). The official U.S. Department of Education determination uses its own cohort definition and may differ.

The risk score (0–100) is an indicative blend of earnings-premium margin and the five-year completions trend, higher means a field pays closer to (or below) the benchmark and is shrinking. A directional screen, not an official determination.

Major-level detail (CIP 4-digit)

Theology & Religious Vocations – 1 CIP program (4-digit), 0 with earnings

Major (CIP 4-digit)	Compl./yr	Earn 4yr	Earn 1yr	% > threshold	Median debt	Debt/earn	Earnings premium	2 of 3 yrs
Theological and Ministerial StudiesCIP 3906 ›	3	–	–	–	–	–	–	–

Major-level earnings, debt and threshold pass-rates are reported by College Scorecard only where enough graduates exist to protect privacy, so 0 of 1 major shows an earnings figure; the rest read “–”. % > threshold is ED’s own share of graduates out-earning the federal earnings threshold (the do-no-harm pass rate), drawn from the best available measurement window (4-, 5- or 1-year) pooled across all nine College Scorecard Field-of-Study releases; a small chip marks any figure not on the 4-year window, and hovering names the cohort size and source release. 2 of 3 yrs flags fields below the earnings-premium benchmark in two of the latest three reported cohort-years, the statutory trigger under the 2025 test (effective July 1, 2026). Indicative; the Department of Education’s official determination may differ. Source: U.S. Department of Education, College Scorecard Field of Study (2014–15 through 2022–23 cohorts + most-recent snapshot), accessed March 2026.

See the interactive dashboard for all fields and credential levels (associate through doctoral). Source: College Scorecard Field of Study.

Frequently asked

How financially healthy is Academy for Jewish Religion?

On the NACUBO Composite Financial Index, the −4 to 10 balance-sheet score accreditors and institutional boards use – Academy for Jewish Religion scores 5.3 (Stable), computed from its IPEDS FY2022-23 finances. This is informational benchmarking, not a credit rating.

Which schools are Academy for Jewish Religion's peers?

Academy for Jewish Religion is benchmarked against 173 institutions in the Other / Unclassified · Private nonprofit peer group; all percentiles and medians on this page are computed within that group.

Compare with peers

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Source: U.S. Department of Education, College Scorecard & IPEDS (most recent releases), with the U.S. Census Bureau (ACS), the U.S. Bureau of Labor Statistics (Employment Projections, field-demand outlook) and WICHE (enrollment-cliff projections). Figures lag the current academic year by roughly two to three years. Percentiles and medians are computed within the institution's peer group. Financial Resilience is a transparent composite, see each component above. Compiled by Ibex Insights.