HEBREW FREE LOAN OF New Jersey INC

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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

1995

Legal Domicile

Principal Officer

Leo Gordon

Phone

9739293094

Tax Period

2024-07-01 to 2025-06-30

HEBREW FREE LOAN OF New Jersey INC, founded in 1995, is a small nonprofit in the Unknown sector that reported $177K in total revenue in fiscal year 2024. Revenue fell 33% from the prior year — a significant decline worth monitoring. The organization ran a surplus of $80K, a strong 45% operating margin.

Mission

THE ORGANIZATION IS A SUPPORTING ORGANIZATION WHICH MAKES interest free loans TO CARRY OUT THE PURPOSES OF THE JEWISH COMMUNITY FOUNDATION OF GREATER METROWEST NJ, INC.

Program Service Accomplishments

Program 1

Expenses: $70,727

THROUGHOUT ITS NONPROFIT LENDING ACTIVITIES, HEBREW FREE LOAN OF METROWEST, INC. SUPPORTED THE JEWISH COMMUNITY FOUNDATION OF GREATER METROWEST NJ, INC.

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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 $105,014

Program Service Revenue $0

Investment Income $71,901

Other Revenue $0

TOTAL REVENUE $176,915

Expense Breakdown

Grants Paid $0

Salaries & Benefits $47,810

Fundraising Expenses $0

Program Expenses $70,727

Other Expenses $49,054

TOTAL EXPENSES $96,864

Year-over-Year Comparison

	2024	2023	Change
Revenue	$176,915	$262,546	-0.3%
Expenses	$96,864	$70,640	+0.4%
Net Income	$80,051	$191,906	-0.6%

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

N/A

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
LEO GORDON	PRESIDENT/TRUSTEE	1.0	Officer Director	$0	$0	$0
Robert J SINGER	Vice president/TRUSTEE	0.0	Officer Director	$0	$0	$0
JO ANN BOYKO	TREASURER/TRUSTEE	1.0	Officer Director	$0	$0	$0
BETH KRINSKY	SECRETARY/Trustee	1.0	Officer Director	$0	$0	$0
Susan Greene	TRUSTEE	1.0	Director	$0	$0	$0
SHIFRA HERZBERG	Trustee	1.0	Director	$0	$0	$0
LORI FEINBERG KANY	TRUSTEE	1.0	Director	$0	$0	$0
Eric Lebovich	TRUSTEE	1.0	Director	$0	$0	$0
Robert Marcus	TRUSTEE	1.0	Director	$0	$0	$0
Frank L Mirchin	TRUSTEE	1.0	Director	$0	$0	$0
MAXINE B MURNICK	TRUSTEE	1.0	Director	$0	$0	$0
STEVE NEWMARK	TRUSTEE	1.0	Director	$0	$0	$0
JANE SAMBOL	TRUSTEE	1.0	Director	$0	$0	$0
Marcia A Schwartz	TRUSTEE	1.0	Director	$0	$0	$0
ARTHUR SCHECHNER	Trustee	1.0	Director	$0	$0	$0
MICHAEL R SCHECHNER	Trustee	1.0	Director	$0	$0	$0
James Shrager	TRUSTEE	1.0	Director	$0	$0	$0
Malkie Ratzker	trustee	1.0	Director	$0	$0	$0
William Ziff	Trustee	1.0	Director	$0	$0	$0
Shawn Laing	CFO - effective 2025	1.0	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
2025	$176,915	$96,864	$1,885,463	$80,051
2024	$262,546	$70,640	$1,658,065	$191,906
2023	$89,472	$58,796	$1,444,729	$30,676
2022	$90,782	$96,414	$1,388,556	$-5,632
2021	$99,827	$89,721	$1,431,321	$10,106
2020	$567,763	$70,538	$1,158,664	$497,225
2019	$69,088	$97,589	$679,987	$-28,501
2018	$53,281	$41,757	$713,425	$11,524