MILWAUKEE JEWISH FREE LOAN ASSOCIATION (EIN 264557997) - 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

2009

Legal Domicile

Phone

4149611500

Tax Period

2025-01-01 to 2025-12-31

MILWAUKEE JEWISH FREE LOAN ASSOCIATION, founded in 2009, is a small nonprofit in the Human Services sector that reported $383K in total revenue in fiscal year 2025. Revenue surged 55% from the prior year, signaling strong growth momentum. The organization ran a surplus of $184K, a strong 48% operating margin.

Mission

CHARITY TO MAKE INTEREST-FREE LOANS TO HELP PEOPLE WITH TEMPORARY FINANCIAL NEEDS

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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 (2025)

Revenue Breakdown

Contributions & Grants $378,898

Program Service Revenue $0

Investment Income $4,153

Other Revenue $0

TOTAL REVENUE $383,051

Expense Breakdown

Grants Paid $0

Salaries & Benefits $127,970

Fundraising Expenses $0

Program Expenses $198,960

Other Expenses $70,990

TOTAL EXPENSES $198,960

Year-over-Year Comparison

	2025	2024	Change
Revenue	$383,051	$247,887	+0.5%
Expenses	$198,960	$185,194	+0.1%
Net Income	$184,091	$62,693	+1.9%

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
SARAH PLATT	PRESIDENT	1.00	Officer Director	$0	$0	$0
ZACHARY GALICKI	PRESIDENT	1.00	Officer Director	$0	$0	$0
MARLENE LAUWASSER	CO VP DEVELOPMENT	1.00	Officer Director	$0	$0	$0
EILEEN GRAVES	DIRECTOR	1.00	Director	$0	$0	$0
ANNA KOENIG	EXECUTIVE DIRECTOR	40.00	Director Key Emp	$0	$0	$0
IDY GOODMAN	CO VP DEVELOPMENT	1.00	Officer Director	$0	$0	$0
LEO KLEINER	TREASURER	1.00	Director	$0	$0	$0
FELESIA MARTIN	DIRECTOR	1.00	Director	$0	$0	$0
MICHAEL REYES	DIRECTOR	1.00	Director	$0	$0	$0
DAVID WYATT	DIRECTOR	1.00	Director	$0	$0	$0
KAREN LIEBERMAN	DIRECTOR	1.00	Director	$0	$0	$0
ANDREA BERNSTEIN	DIRECTOR	1.00	Director	$0	$0	$0
EMILY EDELSTEIN	DIRECTOR	1.00	Director	$0	$0	$0
JOSHUA GREENBERG	DIRECTOR	1.00	Director	$0	$0	$0
WILLIAM KOMISAR	DIRECTOR	1.00	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
2025	$383,051	$198,960	$1,426,676	$184,091
2024	$247,887	$185,194	$1,215,257	$62,693
2023	$385,180	$206,057	$1,128,363	$179,123
2023	$332,564	$206,056	$1,128,183	$126,508
2022	$262,457	$172,803	$930,699	$89,654
2021	$266,771	$159,623	$848,185	$107,148
2020	$289,575	$161,884	$740,922	$127,691
2019	$238,253	$140,111	$612,334	$98,142

MILWAUKEE JEWISH FREE LOAN ASSOCIATION