PHOENIX JEWISH FREE LOAN ASSOCIATION (EIN 866052446) - 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

1950

Legal Domicile

Principal Officer

RICHARD KLEINER

Phone

6022307983

Tax Period

2024-06-01 to 2025-05-31

PHOENIX JEWISH FREE LOAN ASSOCIATION, founded in 1950, is a small nonprofit in the Philanthropy & Grantmaking sector that reported $638K in total revenue in fiscal year 2024. Net assets of $3.7M represent 70 months of operating reserves.

Mission

JEWISH FREE LOAN PROVIDES INTEREST FREE LOANS TO ARIZONA'S JEWISH COMMUNITY.

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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 $611,952

Program Service Revenue $0

Investment Income $2,551

Other Revenue $23,943

TOTAL REVENUE $638,446

Expense Breakdown

Grants Paid $3,400

Salaries & Benefits $307,352

Fundraising Expenses $112,769

Program Expenses $375,593

Other Expenses $327,653

TOTAL EXPENSES $638,405

Year-over-Year Comparison

	2024	2023	Change
Revenue	$638,446	$646,380	0.0%
Expenses	$638,405	$593,007	+0.1%
Net Income	$41	$53,373	-1.0%

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
DIANA BUCHBINDER	Director	2.00	Director	$0	$0	$0
Nikki DeLeon	Director	2.00	Director	$0	$0	$0
IAN KORNBLUTH	Director	2.00	Director	$0	$0	$0
DAVID SENKFOR	Imm past pres	2.00	Director	$0	$0	$0
Kathy Hollenberg	Director	2.00	Director	$0	$0	$0
Lisa Kaiser	Director	2.00	Director	$0	$0	$0
JESSIELYN HIRSCHL	Director	2.00	Director	$0	$0	$0
GREGORY ROSENTHAL	Director	2.00	Director	$0	$0	$0
MADELAINE BERG	Secretary	2.00	Officer Director	$0	$0	$0
PETER CASPARI	Director	2.00	Director	$0	$0	$0
LOUISE ZIRRETTA	Director	2.00	Director	$0	$0	$0
DEBORAH FINKEL	Vice President	2.00	Officer Director	$0	$0	$0
DEBRA FRIEDNASH	Director	2.00	Director	$0	$0	$0
RICHARD KLEINER	Treasurer	2.00	Officer Director	$0	$0	$0
AUSTIN SINGER	Director	2.00	Director	$0	$0	$0
Adrienne Polster	Director	2.00	Director	$0	$0	$0
Jeffrey Stanlis	Vice President	2.00	Officer Director	$0	$0	$0
LAURA DRACHLER	President	2.00	Officer Director	$0	$0	$0
STACIE WITTENBERG	Director	2.00	Director	$0	$0	$0
CAROLE ZEICHICK	EXECU VICE PRES	2.00	Officer Director	$0	$0	$0
Paula Weitzenberg	Director	2.00	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	$638,446	$638,405	$3,702,090	$41
2024	$646,380	$593,007	$3,627,260	$53,373
2023	$473,598	$515,253	$3,510,961	$-41,655
2022	$789,077	$507,349	$3,566,576	$281,728
2021	$704,534	$473,753	$3,356,084	$230,781
2020	$847,867	$496,841	$2,862,008	$351,026
2019	$568,191	$436,430	$2,559,744	$131,761
2018	$573,817	$425,349	$2,415,018	$148,468

PHOENIX JEWISH FREE LOAN ASSOCIATION