HEBREW FREE LOAN OF SAN DIEGO

EIN: 852055131 501(c)(3)

LA JOLLA, CA

Total Revenue
$671,678
Total Expenses
$261,716
Total Assets
$2,028,564
Net Assets
$2,019,064
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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
2020
Legal Domicile
CA
Principal Officer
GRAEME GABRIEL
Phone
8583458018
Tax Period
2024-01-01 to 2024-12-31

HEBREW FREE LOAN OF SAN DIEGO, founded in 2020, is a small nonprofit that reported $672K in total revenue in fiscal year 2024. Revenue decreased 5% compared to the prior year. The organization ran a surplus of $410K, a strong 61% operating margin.

Mission

HEBREW FREE LOAN OF SAN DIEGO FOSTERS FINANCIAL STABILITY AND OPPORTUNITY AMONG THE JEWISH COMMUNITY OF SAN DIEGO COUNTY BY PROVIDING ACCESS TO AFFORDABLE INTEREST FREE LOANS WITH JEWISH VALUES OF COMPASSION, KINDNESS, AND FLEXIBILITY. LOANS WILL BE PROVIDED FOR EMERGENCY NEEDS, SMALL BUSINESS DEVELOPMENT AND EDUCATION.

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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 (2024)

Revenue Breakdown

Contributions & Grants $630,058
Program Service Revenue $0
Investment Income $41,620
Other Revenue $0
TOTAL REVENUE $671,678

Expense Breakdown

Grants Paid $0
Salaries & Benefits $211,800
Fundraising Expenses $29,407
Program Expenses $208,383
Other Expenses $49,916
TOTAL EXPENSES $261,716

Year-over-Year Comparison

2024 2023 Change
Revenue $671,678 $707,141 -0.1%
Expenses $261,716 $244,003 +0.1%
Net Income $409,962 $463,138 -0.1%
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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Governance

Voting Members
14
Independent Members
14
Employees
4
Volunteers
20

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
$114,708
Total Directors
14
$0
Key Employees
0
$0
Highest Compensated
0
reported
Name Title Hours/Week Role Reportable Comp Other Comp Total
BEN ARNOLD DIRECTOR 1.00
Director
$0 $0 $0
MITCHELL DUBICK DIRECTOR 1.00
Director
$0 $0 $0
LEO EISENBERG DIRECTOR 1.00
Director
$0 $0 $0
LEONARD GREGORY DIRECTOR 1.00
Director
$0 $0 $0
KAY GURTIN DIRECTOR 1.00
Director
$0 $0 $0
TANYA HACKEL DIRECTOR 1.00
Director
$0 $0 $0
HILARY ISAKOW DIRECTOR 1.00
Director
$0 $0 $0
SELWYN ISAKOW DIRECTOR 1.00
Director
$0 $0 $0
MIRIAM NORTEN DIRECTOR 1.00
Director
$0 $0 $0
CHARLENE SEIDLE DIRECTOR 1.00
Director
$0 $0 $0
LAWRENCE SHERMAN DIRECTOR 1.00
Director
$0 $0 $0
GRAEME GABRIEL PRESIDENT 3.00
Officer Director
$0 $0 $0
RICK VANN TREASURER 1.00
Officer Director
$0 $0 $0
LESLEY DAVIS SECRETARY 1.00
Officer Director
$0 $0 $0
MINDI FRANKEL EXECUTIVE DIRECTOR 40.00
Officer
$114,708 $0 $114,708
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 $671,678 $261,716 $2,028,564 $409,962
2023 $707,141 $244,003 $1,520,933 $463,138
2022 $479,180 $186,738 $1,027,100 $292,442
2021 $337,454 $122,698 $732,998 $214,756
2020 $507,597 $14,434 $513,163 $493,163
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