Jewish Free Loan Chicago Inc (EIN 920562371) - 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

2022

Legal Domicile

Principal Officer

Hilarie Lieb

Phone

3123443468

Tax Period

2023-07-01 to 2024-06-30

Jewish Free Loan Chicago Inc, founded in 2022, is a small nonprofit in the Human Services sector that reported $287K in total revenue in fiscal year 2023. The organization ran a surplus of $126K, a strong 44% operating margin.

Mission

Jewish Free Loan Chicago helps Chicagoans discover small personal loans with zero-interest, in an effort to cut out the need for predatory lending, often in the form of risky payday loans and car title loans.

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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 (2023)

Revenue Breakdown

Contributions & Grants $286,746

Program Service Revenue $0

Investment Income $0

Other Revenue $0

TOTAL REVENUE $286,746

Expense Breakdown

Grants Paid $0

Salaries & Benefits $105,572

Fundraising Expenses $43,002

Program Expenses $63,413

Other Expenses $55,555

TOTAL EXPENSES $161,127

Year-over-Year Comparison

	2023	2022	Change
Revenue	$286,746	$291,799	0.0%
Expenses	$161,127	$170,600	-0.1%
Net Income	$125,619	$121,199	+0.0%

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

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
Brent Adams	Director	5.00	Director	$0	$0	$0
Brian Hamer	Director	5.00	Director	$0	$0	$0
Alan Hoffman	Director	5.00	Director	$0	$0	$0
Anne Jablo	Director	5.00	Director	$0	$0	$0
Debbie McCann	Director	5.00	Director	$0	$0	$0
Lisa Portnoy	Director	5.00	Director	$0	$0	$0
Rabbi Capers Funnye	Director	5.00	Director	$0	$0	$0
Hilarie Lieb	Chair	5.00	Officer	$0	$0	$0
Matthew Levinstein	Treasurer	5.00	Officer	$0	$0	$0
Aaron Robbin	Secretary	5.00	Officer	$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	No data	No data	No data	No data
2024	$286,746	$161,127	$377,488	$125,619
2023	$291,799	$170,600	$245,996	$121,199
2023	$291,799	$170,600	$245,996	$121,199

Jewish Free Loan Chicago Inc