HEBREW FREE LOAN ASSOCIATION OF TUCSON INC (EIN 866052407) - 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

2007

Legal Domicile

Principal Officer

MICHELLE BLUMENBERG

Phone

5202975360

Tax Period

2024-01-01 to 2024-12-31

HEBREW FREE LOAN ASSOCIATION OF TUCSON INC, founded in 2007, is a small nonprofit that reported $203K in total revenue in fiscal year 2024. Revenue decreased 8% compared to the prior year. The organization ran a surplus of $44K, a strong 21% operating margin.

Mission

PROVIDE INTEREST-FREE FINANCIAL ASSISTANCE EMPOWERING PEOPLE TO GAIN SELF-SUFFICIENCY WITH DIGNITY.

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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 $167,457

Program Service Revenue $0

Investment Income $35,492

Other Revenue $0

TOTAL REVENUE $202,949

Expense Breakdown

Grants Paid $17,723

Salaries & Benefits $87,444

Fundraising Expenses $6,477

Program Expenses $133,549

Other Expenses $54,263

TOTAL EXPENSES $159,430

Year-over-Year Comparison

	2024	2023	Change
Revenue	$202,949	$219,958	-0.1%
Expenses	$159,430	$131,032	+0.2%
Net Income	$43,519	$88,926	-0.5%

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

$74,813

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
JON BIALIS	DIRECTOR	6.00	Director	$0	$0	$0
LORI LUNDBERG-LEUNG	DIRECTOR	1.00	Director	$0	$0	$0
SUZANNE SHIFF	DIRECTOR	1.00	Director	$0	$0	$0
SCOTT STOVALL	DIRECTOR	1.00	Director	$0	$0	$0
ABIGAIL TOLBY	DIRECTOR	1.00	Director	$0	$0	$0
KATHERINE L FILOUS	PRESIDENT	1.00	Officer Director	$0	$0	$0
PHILIP BREGMAN	TREASURER	1.00	Officer Director	$0	$0	$0
MONICA ROSENBAUM	SECRETARY	1.00	Officer Director	$0	$0	$0
ALLISON WEXLER	EXECUTIVE DIRECTOR	30.00	Officer	$61,522	$7,291	$68,813
MICHELLE BLUMENBERG	INTERIM EXECUTIVE DIRECTOR	15.00	Officer	$6,000	$0	$6,000

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	No data	No data	No data	No data
2024	$202,949	$159,430	$785,280	$43,519
2023	$219,958	$131,032	$730,917	$88,926
2022	$112,527	$106,033	$614,253	$6,494
2021	$140,453	$94,887	$667,400	$45,566
2020	$88,538	$74,034	$599,896	$14,504
2019	$112,065	$69,417	$565,029	$42,648
2018	$68,947	$55,983	$533,046	$12,964

HEBREW FREE LOAN ASSOCIATION OF TUCSON INC