JEWISH INTEREST FREE LOAN ASSOCIATION OF GEORGIA (EIN 273711475) - 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

2010

Legal Domicile

Phone

4702685665

Tax Period

2024-01-01 to 2024-12-31

JEWISH INTEREST FREE LOAN ASSOCIATION OF GEORGIA, founded in 2010, is a small nonprofit in the Human Services sector that reported $439K in total revenue in fiscal year 2024. Expenses of $408K left a modest 7% surplus.

Mission

THE ORGANIZATION MAKES SMALL DOLLAR INTEREST FREE PERSONAL LOANS TO MEMBERS OF THE LOCAL JEWISH COMMUNITY FOR PEOPLE WITH MEDICAL OR DENTAL HARDSHIPS OR SOME OTHER PERSONAL FINANCIAL PROBLEM.

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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 (2024)

Revenue Breakdown

Contributions & Grants $337,525

Program Service Revenue $101,000

Investment Income $0

Other Revenue $0

TOTAL REVENUE $438,525

Expense Breakdown

Grants Paid $0

Salaries & Benefits $104,307

Fundraising Expenses $0

Program Expenses $359,013

Other Expenses $303,675

TOTAL EXPENSES $407,982

Year-over-Year Comparison

	2024	2023	Change
Revenue	$438,525	$433,015	+0.0%
Expenses	$407,982	$318,069	+0.3%
Net Income	$30,543	$114,946	-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

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
LAURA KAHN	PAST PRESIDENT	3.00	Director	$0	$0	$0
JAY KESSLER	TRUSTEE EMERITUS	1.00	Director	$0	$0	$0
ADRIENNE LITT-BISHKO	OUTREACH AND ENGAGEMENT	3.00	Director	$0	$0	$0
AVI BINSTOCK	TREASURER	1.00	Officer Director	$0	$0	$0
JONNY NEWBURGH	CHAIR LOAN COMMITTEE	1.00	Director	$0	$0	$0
DANIEL FRANK	PRESIDENT AND BD CHAIR	5.00	Officer Director	$0	$0	$0
DEBBIE KALWERISKY	SECY	2.00	Officer	$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	$438,525	$407,982	$1,182,741	$30,543
2023	$433,015	$318,069	$1,037,038	$114,946
2022	$350,919	$446,720	$908,878	$-95,801
2021	$762,256	$587,481	$1,049,899	$174,775
2020	$523,228	$315,827	$868,457	$207,401
2019	$388,539	$278,867	$653,576	$109,672

JEWISH INTEREST FREE LOAN ASSOCIATION OF GEORGIA