JEWISH FREE LOAN ASSOCIATION (EIN 951691014) - 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

1904

Legal Domicile

Principal Officer

RACHEL GROSE

Phone

3237618830

Tax Period

2023-09-01 to 2024-08-31

JEWISH FREE LOAN ASSOCIATION, founded in 1904, is a community nonprofit in the Unknown sector that reported $3.3M in total revenue in fiscal year 2023. Expenses of $2.9M left a modest 10% surplus.

Mission

OFFER INTEREST-FREE LOANS TO INDIVIDUALS AND FAMILIES WHO MAY NOT QUALIFY FOR NORMAL LENDING.

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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 $2,896,047

Program Service Revenue $0

Investment Income $377,075

Other Revenue $-16,551

TOTAL REVENUE $3,256,571

Expense Breakdown

Grants Paid $0

Salaries & Benefits $1,437,518

Fundraising Expenses $512,218

Program Expenses $2,150,083

Other Expenses $1,505,798

TOTAL EXPENSES $2,943,316

Year-over-Year Comparison

	2023	2022	Change
Revenue	$3,256,571	$3,304,189	0.0%
Expenses	$2,943,316	$2,163,571	+0.4%
Net Income	$313,255	$1,140,618	-0.7%

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

$447,620

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
BRANDON LEVIN	PRESIDENT	3.00	Officer Director	$0	$0	$0
IVAN KALLICK	1ST VICE PRESIDENT	1.00	Officer Director	$0	$0	$0
DAVID HORVITZ	2ND VICE PRESIDENT	1.00	Officer Director	$0	$0	$0
EVA PLAZA MANDEL	SECRETARY	1.00	Officer Director	$0	$0	$0
LESLIE ARONZON	TREASURER	1.00	Officer Director	$0	$0	$0
ARON ABECASSIS	DIRECTOR	1.00	Director	$0	$0	$0
ADEENA BLEICH	DIRECTOR (THRU 02/24)	1.00	Director	$0	$0	$0
ERWIN DILLER	DIRECTOR	1.00	Director	$0	$0	$0
ALAN FEIT	DIRECTOR	1.00	Director	$0	$0	$0
GERALD FELDMAN	DIRECTOR	1.00	Director	$0	$0	$0
JONATHAN GERBER	DIRECTOR	1.00	Director	$0	$0	$0
JOEL GLUCOFT	DIRECTOR	1.00	Director	$0	$0	$0
MARK GOLDIN	DIRECTOR	1.00	Director	$0	$0	$0
ABBY KOHN	DIRECTOR	1.00	Director	$0	$0	$0
JAMES A KOHN	DIRECTOR	1.00	Director	$0	$0	$0
EILEEN J LEWIS	DIRECTOR	1.00	Director	$0	$0	$0
LYNDON PARKER	DIRECTOR	1.00	Director	$0	$0	$0
ALAN SPIWAK	DIRECTOR (THRU 09/23)	1.00	Director	$0	$0	$0
MITCHELL STEIN	DIRECTOR	1.00	Director	$0	$0	$0
HAROLD TOMIN	DIRECTOR	1.00	Director	$0	$0	$0
TOM WALSMITH	DIRECTOR	1.00	Director	$0	$0	$0
AARON WERNER	DIRECTOR	1.00	Director	$0	$0	$0
SAM YEBRI	DIRECTOR	1.00	Director	$0	$0	$0
RACHEL B GROSE	EXECUTIVE DIRECTOR	37.50	Officer	$270,000	$14,100	$284,100
ADAM LEVINE	DIRECTOR OF FINANCE	37.50	Officer	$122,100	$16,961	$139,061
SARA ROBYN	CHIEF ENGAGEMENT OFFICER (THRU 02/23)	30.00	Officer	$24,459	$0	$24,459

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	$3,256,571	$2,943,316	$26,737,557	$313,255
2023	$3,304,189	$2,163,571	$25,667,910	$1,140,618
2022	$3,433,226	$2,102,803	$24,119,255	$1,330,423
2021	$3,978,059	$1,851,564	$24,084,558	$2,126,495
2020	$3,759,495	$1,989,130	$21,802,722	$1,770,365
2020	$3,759,495	$1,989,130	$21,802,722	$1,770,365
2019	$2,402,881	$1,733,634	$18,733,645	$669,247
2018	$1,694,643	$1,697,772	$18,177,255	$-3,129

JEWISH FREE LOAN ASSOCIATION