Hebrew Union College-Jewish Institute of Religion

Private nonprofitBaccalaureate/Associate's: Assoc. DominantGraduate/Professional

Fin. Resilience

Resilience score

vs. 205 peers in its group

Hebrew Union College-Jewish Institute of Religion is a private nonprofit institution in New York, NY, classified by Carnegie as “Baccalaureate/Associate's: Assoc. Dominant.”

It is benchmarked here against 205 peer institutions (Baccalaureate/Associate's: Assoc. Dominant · Private nonprofit).

On Ibex's Financial Resilience score it rates 56 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 endowment (end of year) ($253M, 98th percentile).

Its weakest is field-demand outlook (10-yr) (+3.3%).

Peer group

Baccalaureate/Associate's: Assoc. Dominant · Private nonprofit

205 institutions

No cross-metric risk flags triggered.

Policy & demographic exposure

How exposed Hebrew Union College-Jewish Institute of Religion is to the structural shifts reshaping higher ed: a composite structural-risk index plus the 2025 federal budget law’s endowment excise tax and Grad PLUS elimination and the demographic enrollment cliff. Only signals that apply to this institution are shown.

Structural risk index

Elevated

Grad PLUS exposure

36.7%

Moderate exposure

Higher than 74% of schools nationally

AY2025-26 YTD (through Q2, Dec 2025)

Avg Grad PLUS loan

$17,918

Half the cap+

Higher than 46% of schools nationally

AY2025-26 YTD (through Q2, Dec 2025)

Enrollment cliff (home state)

-27%

Severe decline

Indicative signals, not forecasts — see each metric’s definition and the methodology. Endowment-tax and Grad PLUS 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. 57th percentile of 205 peers. Carries little or no plant debt, so the viability ratio is excluded and weights re-normalized.

Primary reserve 55%29.8 mo

Return on net assets 30%2.8%

Operating result 15%-14.1%

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 $35.5M total revenue · IPEDS FY2022-23

Private gifts & grants is the largest single source at 47% of revenue.

Private gifts & grants47.3%

Investment return35.3%

Other revenue12.7%

Tuition & fees4.7%

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

Below peers

$4,074

16th percentile in peer grouppeer median $9,833

Instructional spend / FTE

Strong

$56,811

97th percentile in peer grouppeer median $10,996

Endowment (end of year)

Strong

$253M

98th percentile in peer grouppeer median $14.5M

Avg monthly faculty salary

Strong

$7,528

74th percentile in peer grouppeer median $5,681

Average monthly salary of full-time faculty, as reported to IPEDS.

Operating margin

Deficit

-21.6%

12th percentile in peer grouppeer median 9.4%

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

4.7%

11th percentile in peer grouppeer median 24.9%

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

Tuition discount rate

Moderate

4.2%

21st percentile in peer grouppeer median 27.3%

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

100th percentile in peer grouppeer median 0%

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

Administrative cost share

36.6%

77th percentile in peer grouppeer median 28.7%

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

29.8 mo

83rd percentile in peer grouppeer median 11.5 mo

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

Adequate

2.8%

42nd percentile in peer grouppeer median 3.5%

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.

Endowment per FTE student

Strong

$653,706

87th percentile in peer grouppeer median $107,955

End-of-year endowment ÷ 12-month FTE enrollment — endowment wealth per full-time-equivalent student. The FTE-correct companion to endowment-per-undergraduate; FTE counts graduate and part-time load, so research universities look less wealthy on this basis than on a headcount basis.

Grad PLUS exposure

Moderate exposure

36.7%

— percentile in peer group

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

Half the cap+

$17,918

— percentile in peer group

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

— percentile in peer group

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

Program concentration (HHI)

Highly concentrated

4,638

— percentile in peer group

How concentrated the institution's degree and certificate output is across academic fields (CIP 2-digit families), as a Herfindahl-Hirschman Index on the latest year's completions: 10,000 means every completion is in one field; lower means output is spread across many. A higher value means the school leans on fewer fields and is more exposed to demand shifts in them; a lower value reflects a broad program portfolio. Shown for institutions reporting at least 100 annual completions. A structural-diversification signal, not a measure of quality.

12-month FTE enrollment

387

85th percentile in peer grouppeer median 115

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.

Enrollment cliff (home state)

Severe decline

-27%

— percentile in peer group

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.

Student Outcomes & Risk

3-yr cohort default rate

Strong

0.7%

24th percentile in peer grouppeer median 4.3%

Share of borrowers who defaulted within three years of entering repayment (U.S. Dept. of Education official cohort default rate). Shown for the FY2017 borrower cohort — the most recent cohort whose full three-year default window closed before the 2020-23 federal student-loan payment pause. More recent cohorts are reported by the College Scorecard at essentially 0%, but that reflects the payment pause (no payments were due, so almost no one could default), not borrower health, so the pre-pause cohort is the last meaningful reading. Lower is better.

Full-time faculty share

Below peers

30.7%

12th percentile in peer grouppeer median 80%

Field-demand outlook (10-yr)

Outpaces job-market average

+3.3%

10th percentile in peer group

Projected 10-year (2024-34) change in U.S. employment for the occupations this institution's degrees and certificates feed, blended across its program mix. Built by mapping each CIP 2-digit field to its occupations via the NCES CIP-SOC crosswalk, taking the employment-weighted average of each occupation's BLS-projected percent change, then weighting fields by the institution's latest-year completions. The U.S. all-occupations benchmark is 3.1%, so a higher value means the school's graduates concentrate in faster-growing labor markets. An INDICATIVE field-level signal at broad-field granularity — not a program-specific or graduate-specific projection, and not a placement or earnings guarantee. Structurally diffuse CIP families whose crosswalk maps to 'any job' are excluded from the signal: 05 Area/Ethnic/Gender Studies, 24 Liberal Arts & Humanities, and 30 Multi/Interdisciplinary. Shown where at least 50% of completions fall in fields with a coherent occupational mapping and the school reports 100+ annual completions.

Top fields of study (all levels)

Hebrew Union College-Jewish Institute of 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	63	$104,917 100th pct · 42 peers	—	Above benchmark +48%	Low · 27
Theology & Religious Vocations	38	—	—	—	High · 73
Business, Management & Marketing	23	—	—	—	Low · 0
Education	14	—	—	—	Moderate · 39
Education	9	—	—	—	—
Philosophy & Religious Studies	6	—	—	—	Low · 20
Philosophy & Religious Studies	4	—	—	—	Moderate · 66
Theology & Religious Vocations	3	—	—	—	High · 70
Business, Management & Marketing	1	—	—	—	High · 100

All 1 top fields shown clear the NY state earnings-premium benchmark (indicative).

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.

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 Hebrew Union College-Jewish Institute of Religion?

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

Are Hebrew Union College-Jewish Institute of Religion's programs at risk under the federal earnings-premium test?

Indicatively, at Hebrew Union College-Jewish Institute of Religion, the single largest field with available earnings data clears the NY state earnings-premium benchmark used by the 2025 federal test (effective July 1, 2026) — median graduate earnings (four years out) exceed those of a typical worker without the credential. This is an estimate using College Scorecard earnings vs ACS medians; the official Department of Education determination may differ.

Which schools are Hebrew Union College-Jewish Institute of Religion's peers?

Hebrew Union College-Jewish Institute of Religion is benchmarked against 205 institutions in the Baccalaureate/Associate's: Assoc. Dominant · Private nonprofit peer group; all percentiles and medians on this page are computed within that group.

Compare with peers

Academy for Jewish Religion California Anabaptist Mennonite Biblical Seminary Aquinas Institute of Theology Asbury Theological Seminary Austin Presbyterian Theological Seminary Bakke Graduate University

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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.