HEBREW FREE LOAN ASSOCIATION OF WASHINGTON STATE (EIN 916035624) - Form 990 Financial Analysis & Trantor Score

🔒

Financial Vulnerability Assessment (Tuckman-Chang)

4 risk indicators measuring financial stability and operational resilience

Sign in with your work email to view Tuckman-Chang indicators

Financial Trends

Organization Details

Formation Year

1914

Legal Domicile

Phone

2063970005

Tax Period

2024-01-01 to 2024-12-31

HEBREW FREE LOAN ASSOCIATION OF WASHINGTON STATE, founded in 1914, is a small nonprofit in the Human Services sector that reported $266K in total revenue in fiscal year 2024. Revenue grew 16% year-over-year, indicating healthy expansion. The organization ran a surplus of $130K, a strong 49% operating margin.

Mission

Microfinancing without interest or fees for members of the Jewish community residing in Washington State.

🔒

Trantor Score

Financial Health Score (300–850) · Liquidity · Solvency · Sustainability · Efficiency

Sign in to view Trantor Score and financial metrics

Liquidity (40%) • Solvency (30%) • Sustainability (20%) • Efficiency (10%)

Financial Overview (2024)

Revenue Breakdown

Contributions & Grants $265,606

Program Service Revenue $0

Investment Income $12

Other Revenue $0

TOTAL REVENUE $265,618

Expense Breakdown

Grants Paid $0

Salaries & Benefits $86,966

Fundraising Expenses $0

Program Expenses $0

Other Expenses $48,411

TOTAL EXPENSES $135,377

Year-over-Year Comparison

	2024	2023	Change
Revenue	$265,618	$228,157	+0.2%
Expenses	$135,377	$127,933	+0.1%
Net Income	$130,241	$100,224	+0.3%

Key Indicators

✗ Grants to Organizations ✗ Grants to Individuals ✗ Lobbying ✗ Political Activity ✗ Foreign Activities ✗ Donor Advised Fund ✓ Schedule B Required

🔒

Financial Health Indicators

Comprehensive financial analysis: Altman Z-Score, liquidity, solvency, sustainability, efficiency, and growth metrics

Financial Distress Indicator

Liquidity & Cash Position

Sign in to view all financial metrics

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

$68,058

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Gabe Scherzer	Secretary	0.00	Officer Director	$0	$0	$0
Julia Abelev	Past President	0.00	Officer Director	$0	$0	$0
Louis Kotler	Treasurer	0.00	Officer Director	$0	$0	$0
Kari Haas	President	0.00	Officer Director	$0	$0	$0
Judi Scherr	Director	0.00	Director	$0	$0	$0
Louis Berg	Director	0.00	Director	$0	$0	$0
William Hochberg	Vice President	0.00	Officer Director	$0	$0	$0
Suzie Dadoun	Director	0.00	Director	$0	$0	$0
Sam Mezistrano	Assistant Treasurer	0.00	Officer Director	$0	$0	$0
David Berkman	Director	0.00	Director	$0	$0	$0
Ori Ravid	Director	0.00	Director	$0	$0	$0
Sam Blum	Director	0.00	Director	$0	$0	$0
Esther Horowitz	Director	0.00	Director	$0	$0	$0
Maura Roberts	Executive Director	32.00	Key Emp Highest	$38,200	$0	$38,200
Melissa Gianotti	Assistant to the Executive Director	15.00	Key Emp	$29,858	$0	$29,858

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	$265,618	$135,377	$881,673	$130,241
2023	$228,157	$127,933	$744,598	$100,224
2022	$192,640	$86,358	$637,486	$106,282
2021	$203,656	$74,399	$523,455	$129,257
2020	$174,619	$67,720	$401,791	$106,899

HEBREW FREE LOAN ASSOCIATION OF WASHINGTON STATE