HEBREW FREE LOAN ASSOCIATION OF HOUSTON (EIN 760069644) - 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

1930

Legal Domicile

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

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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 $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

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
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

HEBREW FREE LOAN ASSOCIATION OF HOUSTON