HEBREW FREE LOAN SOCIETY OF GREATER PHILADELPHIA (EIN 232328233) - Form 990 Financial Analysis & Trantor Score

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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

1984

Legal Domicile

Principal Officer

AMY KRULIK

Phone

2677099652

Tax Period

2023-12-01 to 2024-11-30

HEBREW FREE LOAN SOCIETY OF GREATER PHILADELPHIA, founded in 1984, is a small nonprofit that reported $206K in total revenue in fiscal year 2023. Revenue surged 21% from the prior year, signaling strong growth momentum. The organization ran a surplus of $39K, a strong 19% operating margin.

Mission

THE HEBREW FREE LOAN SOCIETY PROVIDES INTEREST-FREE LOANS TO JEWISH INDIVIDUALS AND TO INDIVIDUALS SERVING THE LOCAL JEWISH COMMUNITY, IN PHILADELPHIA AND ITS NEIGHBORING PENNSYLVANIA AND NEW JERSEY COUNTIES, TO ENABLE THEM AND THEIR FAMILIES TO IMPROVE THEIR LIVES AND ACHIEVE GREATER FINANCIAL STABILITY WHILE PRESERVING THEIR DIGNITY.

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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 (2023)

Revenue Breakdown

Contributions & Grants $192,364

Program Service Revenue $13,002

Investment Income $250

Other Revenue $0

TOTAL REVENUE $205,616

Expense Breakdown

Grants Paid $0

Salaries & Benefits $97,568

Fundraising Expenses $24,008

Program Expenses $109,385

Other Expenses $69,300

TOTAL EXPENSES $166,868

Year-over-Year Comparison

	2023	2022	Change
Revenue	$205,616	$169,848	+0.2%
Expenses	$166,868	$44,815	+2.7%
Net Income	$38,748	$125,033	-0.7%

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

N/A

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

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
JUSTIN BELL	DIRECTOR	5.00	Director	$0	$0	$0
MARSHAL GRANOR	DIRECTOR	5.00	Director	$0	$0	$0
TAMAR GRANOR	DIRECTOR	5.00	Director	$0	$0	$0
BETTA M KOLANSKY	DIRECTOR	5.00	Director	$0	$0	$0
AMY KRULIK	PRESIDENT	5.00	Officer Director	$0	$0	$0
EMILY B LANDSBURG	DIRECTOR	5.00	Director	$0	$0	$0
ARIELLE LECHNER	DIRECTOR	5.00	Director	$0	$0	$0
JULIE RAPPOPORT	SECRETARY	5.00	Officer Director	$0	$0	$0
MARTIN ROFFMAN	DIRECTOR	5.00	Director	$0	$0	$0
EVAN SEGAL	DIRECTOR	5.00	Director	$0	$0	$0
NEIL SHUPAK	DIRECTOR	5.00	Director	$0	$0	$0
JESSICA SLUTSKY	TREASURER	5.00	Officer Director	$0	$0	$0
STEVEN STONE	DIRECTOR	5.00	Director	$0	$0	$0
MAX TABAK	DIRECTOR	5.00	Director	$0	$0	$0
BRANDON WIND	DIRECTOR	5.00	Director	$0	$0	$0
DARRELL YASHINSKY	DIRECTOR	5.00	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
2024	$84,540	$18,180	$1,104,712	$66,360
2024	$205,616	$166,868	$1,038,435	$38,748
2023	$169,848	$44,815	$994,899	$125,033
2022	$115,604	$91,382	$1,074,743	$24,222
2021	$226,706	$88,832	$1,003,921	$137,874
2020	$187,920	$189,760	$709,800	$-1,840
2019	$511,344	$303,452	$711,640	$207,892
2018	$371,427	$329,976	$500,248	$41,451

HEBREW FREE LOAN SOCIETY OF GREATER PHILADELPHIA