HEBREW FREE LOAN ASSOCIATION OF HOUSTON

EIN: 760069644 501(c)(3)

HOUSTON, TX

Total Revenue
$72,086
Total Expenses
$98,511
Total Assets
$1,437,143
Net Assets
$1,437,000
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Financial Vulnerability Assessment (Tuckman-Chang)

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Financial Trends

Organization Details

Formation Year
1930
Legal Domicile
TX
Principal Officer
PAUL WAINSTEIN
Phone
7137248997
Tax Period
2025-01-01 to 2025-12-31

HEBREW FREE LOAN ASSOCIATION OF HOUSTON, founded in 1930, is a micro nonprofit that reported $72K in total revenue in fiscal year 2025. Revenue fell 64% from the prior year — a significant decline worth monitoring. Expenses of $99K exceeded revenue, resulting in a 37% operating deficit.

Mission

THE ORGANIZATION PROVIDES INTEREST FREE LOANS TO JEWISH RESIDENTS OF HOUSTON, TEXAS

Program Service Accomplishments

Program 1
Expenses: $87,859

THE ORGANIZATION PROVIDED INTEREST FREE LOANS TO MEMBERS OF THE HOUSTON, TEXAS JEWISH COMMUNITY TO ASSIST WITH FINANCIAL HARDSHIPS.

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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%)

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Financial Overview (2025)

Revenue Breakdown

Contributions & Grants $41,783
Program Service Revenue $0
Investment Income $30,303
Other Revenue $0
TOTAL REVENUE $72,086

Expense Breakdown

Grants Paid $50,000
Salaries & Benefits $23,728
Fundraising Expenses $0
Program Expenses $87,859
Other Expenses $24,783
TOTAL EXPENSES $98,511

Year-over-Year Comparison

2025 2024 Change
Revenue $72,086 $201,532 -0.6%
Expenses $98,511 $49,351 +1.0%
Net Income $-26,425 $152,181 -1.2%
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

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Liquidity & Cash Position

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Governance

Voting Members
16
Independent Members
15
Employees
1
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
4
$0
Total Directors
16
$0
Key Employees
0
$0
Highest Compensated
0
reported
Name Title Hours/Week Role Reportable Comp Other Comp Total
PAUL WAINSTEIN PRESIDENT 2.00
Officer Director
$0 $0 $0
JOE BLOG VICE PRESIDENT 2.00
Officer Director
$0 $0 $0
MARK GOLDBERG SECRETARY 0.25
Officer Director
$0 $0 $0
LAURENCE KAM TREASURER 2.00
Officer Director
$0 $0 $0
MICHAEL RICHKER TRUSTEE 0.25
Director
$0 $0 $0
CLIVE FLEISHMAN TRUSTEE 0.25
Director
$0 $0 $0
NANCY FREED TRUSTEE 0.25
Director
$0 $0 $0
MARSHALL LERNER TRUSTEE 1.00
Director
$0 $0 $0
MARSHALL LEVITT TRUSTEE 0.25
Director
$0 $0 $0
REUVEN LINZER TRUSTEE 0.25
Director
$0 $0 $0
MEIR MANDEL TRUSTEE 0.25
Director
$0 $0 $0
MOSHE POLTROAK TRUSTEE 0.25
Director
$0 $0 $0
MELVIN BUCK TRUSTEE 0.25
Director
$0 $0 $0
SETH NICHAMOFF TRUSTEE 0.25
Director
$0 $0 $0
ANDREW TOUBIN TRUSTEE 1.00
Director
$0 $0 $0
ZACH GAITZ TRUSTEE 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 $72,086 $98,511 $1,437,143 $-26,425
2024 $201,532 $49,351 $1,415,944 $152,181
2023 $92,349 $144,661 $1,229,722 $-52,312
2022 $131,401 $79,379 $1,263,193 $52,022
2021 $116,080 $52,497 $1,299,199 $63,583
2020 $243,588 $56,442 $1,237,895 $187,146
2019 $132,804 $55,233 $1,170,929 $77,571
2018 $140,196 $54,658 $1,163,389 $85,538
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