Civic Intelligence

United Jewish Community Gemach Inc

EIN 11-2996764 • 501(c)3 • Lawrence, NY

Profile

FREE LOAN SOCIETY

14 Sunset RoadLawrence, NY 11559

n/A

Siviq Scores

Precomputed percentiles relative to similar nonprofits. These scores are descriptive rather than judgmental.

Liabilities / Assets

83rd percentile

0.07x

Higher debt load relative to assets than 83% of similar nonprofits.

NTEE W • <$500k nonprofits • Source year 2024

Liabilities / Revenue

98th percentile

2.79x

Higher debt load relative to revenue than 98% of similar nonprofits.

NTEE W • <$500k nonprofits • Source year 2024

Net Margin

2nd percentile

-451%

Higher net margin than 2% of similar nonprofits.

NTEE W • <$500k nonprofits • Source year 2024

Top Officer Pay

90th percentile

$0

Higher top officer pay than 90% of similar nonprofits.

Top officer pay equals 0.0% of source-year revenue.

NTEE W • <$500k nonprofits • Source year 2024

Asset Growth

30th percentile

-12%

Faster asset growth than 30% of similar nonprofits.

NTEE W • <$500k nonprofits • Annualized from 2023 to 2024

Revenue Growth

83rd percentile

84%

Faster revenue growth than 83% of similar nonprofits.

NTEE W • <$500k nonprofits • Annualized from 2023 to 2024

Balance Sheet
Liabilities / Assets83rd percentile

Assets

Down

$198,792

Down $27,074 (-12%) from 2023

Liabilities

Down

$13,400

Down $5,400 (-29%) from 2023

Net Assets

Down

$185,392

Down $21,674 (-10%) from 2023

Operations
Liabilities / Revenue98th percentileNet Margin2nd percentile

Revenue

Up

$4,801

Up $2,187 (+84%) from 2023

Expenses

Up

$26,475

Up $10,670 (+68%) from 2023

Net Income

Down

-$21,674

Down $8,483 (-64%) from 2023

Trend Graphs

Balance Sheet Trend

Asset Growth30th percentile

Grouped bars show assets, liabilities, and net assets across loaded filings.

$400K$300K$200K$100K$0Assets 2011: $373,142Liabilities 2011: $157,700Net Assets 2011: $215,4422011Assets 2012: $380,660Liabilities 2012: $163,320Net Assets 2012: $217,3402012Assets 2013: $381,577Liabilities 2013: $162,700Net Assets 2013: $218,8772013Assets 2014: $361,271Liabilities 2014: $144,700Net Assets 2014: $216,5712014Assets 2015: $361,089Liabilities 2015: $140,500Net Assets 2015: $220,5892015Assets 2016: $373,621Liabilities 2016: $155,500Net Assets 2016: $218,1212016Assets 2017: $366,605Liabilities 2017: $139,500Net Assets 2017: $227,1052017Assets 2018: $363,130Liabilities 2018: $136,700Net Assets 2018: $226,4302018Assets 2019: $348,681Liabilities 2019: $119,900Net Assets 2019: $228,7812019Assets 2020: $318,619Liabilities 2020: $97,500Net Assets 2020: $221,1192020Assets 2021: $289,145Liabilities 2021: $67,500Net Assets 2021: $221,6452021Assets 2022: $266,257Liabilities 2022: $46,000Net Assets 2022: $220,2572022Assets 2023: $225,866Liabilities 2023: $18,800Net Assets 2023: $207,0662023Assets 2024: $198,792Liabilities 2024: $13,400Net Assets 2024: $185,3922024

Highlighted filing

2024

Assets$198,792
Liabilities$13,400
Net Assets$185,392
Open 2024 Filing

Operations Trend

Revenue Growth83rd percentile

Revenue, expenses, and net income by year, with the latest filing highlighted.

$40K$20K$0-$20K-$40KRevenue 2011: $2,713Expenses 2011: $80Net Income 2011: $2,6332011Revenue 2012: $1,948Expenses 2012: $50Net Income 2012: $1,8982012Revenue 2013: $1,589Expenses 2013: $52Net Income 2013: $1,5372013Revenue 2014: $8,401Expenses 2014: $10,707Net Income 2014: -$2,3062014Revenue 2015: $7,571Expenses 2015: $3,553Net Income 2015: $4,0182015Revenue 2016: $3,037Expenses 2016: $5,505Net Income 2016: -$2,4682016Revenue 2017: $11,154Expenses 2017: $2,170Net Income 2017: $8,9842017Revenue 2018: $1,750Expenses 2018: $2,425Net Income 2018: -$6752018Revenue 2019: $3,152Expenses 2019: $801Net Income 2019: $2,3512019Revenue 2020: $3,004Expenses 2020: $10,666Net Income 2020: -$7,6622020Revenue 2021: $651Expenses 2021: $125Net Income 2021: $5262021Revenue 2022: $11,982Expenses 2022: $13,370Net Income 2022: -$1,3882022Revenue 2023: $2,614Expenses 2023: $15,805Net Income 2023: -$13,1912023Revenue 2024: $4,801Expenses 2024: $26,475Net Income 2024: -$21,6742024

Highlighted filing

2024

Revenue$4,801
Expenses$26,475
Net Income-$21,674
Open 2024 Filing

Filings

Most recent year

2024 • Form 990EZDetailed filing. Detailed filing data is available for this year.

Open filing
Assets
$198,792
Liabilities
$13,400
Net assets
$185,392
Revenue
$4,801
Expenses
$26,475
Net income
-$21,674
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$1.99$0.13$1.85$0.05$0.26$0.22
2023Detailed filing. Detailed filing data is available for this year.$2.26$0.19$2.07$0.03$0.16$0.13
2022Detailed filing. Detailed filing data is available for this year.$2.66$0.46$2.20$0.12$0.13$0.01
2021Detailed filing. Detailed filing data is available for this year.$2.89$0.68$2.22$0.01$0.00$0.01
2020Detailed filing. Detailed filing data is available for this year.$3.19$0.98$2.21$0.03$0.11$0.08
2019Detailed filing. Detailed filing data is available for this year.$3.49$1.20$2.29$0.03$0.01$0.02
2018Summary only. Only limited summary data is available for this year.$3.63$1.37$2.26$0.02$0.02$0.01
2017Summary only. Only limited summary data is available for this year.$3.67$1.40$2.27$0.11$0.02$0.09
2016Summary only. Only limited summary data is available for this year.$3.74$1.56$2.18$0.03$0.06$0.02
2015Summary only. Only limited summary data is available for this year.$3.61$1.41$2.21$0.08$0.04$0.04
2014Summary only. Only limited summary data is available for this year.$3.61$1.45$2.17$0.08$0.11$0.02
2013Summary only. Only limited summary data is available for this year.$3.82$1.63$2.19$0.02$0.00$0.02
2012Summary only. Only limited summary data is available for this year.$3.81$1.63$2.17$0.02$0.00$0.02
2011Summary only. Only limited summary data is available for this year.$3.73$1.58$2.15$0.03$0.00$0.03
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
Oct 22, 2025
Return Version
2024v5.0
Gross Receipts
$4,801
Mission and Program Overview

Mission

FREE LOAN SOCIETY

Program Services

DescriptionGrantsExpenses
THE ORGANIZATION IS A FREE LOAN SOCIETY THAT PROVIDES LOANS TO INDIVIDUALS WHO WOULD OTHERWISE BE UNABLE TO OBTAIN LOANS.$25,000$26,475
THE ORGANIZATION IS A FREE LOAN SOCIETY THAT PROVIDES LOANS TO INDIVIDUALS WHO WOULD OTHERWISE BE UNABLE TO OBTAIN LOANS--
Compensation and Service Providers
Top Officer Pay90th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
HERMAN KAPPELPresident-$0--
DAVID GREENBLATSecretary-$0--
Filing and Contact Details

Filer

Filer Name
United Jewish Community Gemach Inc
EIN
11-2996764
Address
14 SUNSET ROAD, LAWRENCE, NY 11559

Signing Officer

Name
Herman Kappel
Title
President
Signed
2025-10-22
Discuss with paid preparer
Yes

Preparer

Firm
SCHNECK & EISENBERGERCPA'S PC
Address
1 EXECUTIVE BLVD STE 105B, SUFFERN, NY 10901-4113
Preparer
William Schneck
Phone
8453684408
Supplemental Narrative

Additional Explanations

Form 990-ez, Part I, Line 10

“Name: davis memorial fund cash contribution: 10,000”

Form 990-ez, Part II, Line 24

“Accounts receivable 23,300 72,700 loans & exchanges 0 0 total 23,300 72,700”

Form 990-ez, Part II, Line 26

“Long term liabilities 18,800 13,400”

Form 990-ez, Part III, Line 31

“The organization is a free loan society that provides loans to individuals who would otherwise be unable to obtain loans.”

Raw XML Appendix121 raw XML fields

This appendix keeps the raw XML leaves available for debugging and edge-case review. The human report above is the primary experience.

Path#Value
IRS990EZ/ActivitiesNotPreviouslyRptInd0false
IRS990EZ/BooksInCareOfDetail/PersonNm0HERMAN KAPPEL
IRS990EZ/BooksInCareOfDetail/PhoneNum08453684408
IRS990EZ/BooksInCareOfDetail/USAddress/AddressLine1Txt014 SUNSET RD
IRS990EZ/BooksInCareOfDetail/USAddress/CityNm0LAWRENCE
IRS990EZ/BooksInCareOfDetail/USAddress/StateAbbreviationCd0NY
IRS990EZ/BooksInCareOfDetail/USAddress/ZIPCd011559
IRS990EZ/CashSavingsAndInvestmentsGrp/BOYAmt0202566
IRS990EZ/CashSavingsAndInvestmentsGrp/EOYAmt0126092
IRS990EZ/ChgMadeToOrgnzngDocNotRptInd0false
IRS990EZ/DonorAdvisedFndsInd0false
IRS990EZ/EngagedInExcessBenefitTransInd0false
IRS990EZ/ExcessOrDeficitForYearAmt0-21674
IRS990EZ/FeesAndOtherPymtToIndCntrctAmt01475
IRS990EZ/FiledScheduleAInd0true
IRS990EZ/ForeignFinancialAccountInd0false
IRS990EZ/ForeignOfficeInd0false
IRS990EZ/Form1120PolFiledInd0false
IRS990EZ/Form990TotalAssetsGrp/BOYAmt0225866
IRS990EZ/Form990TotalAssetsGrp/EOYAmt0198792
IRS990EZ/GrantsAndSimilarAmountsPaidAmt025000
IRS990EZ/GrossReceiptsAmt04801
IRS990EZ/InfoInScheduleOPartIIIInd0X
IRS990EZ/InfoInScheduleOPartIIInd0X
IRS990EZ/InfoInScheduleOPartIInd0X
IRS990EZ/InvestmentIncomeAmt04801
IRS990EZ/LobbyingActivitiesInd0false
IRS990EZ/MadeLoansToFromOfficersInd0false
IRS990EZ/MethodOfAccountingCashInd0X
IRS990EZ/NetAssetsOrFundBalancesBOYAmt0207066
IRS990EZ/NetAssetsOrFundBalancesEOYAmt0185392
IRS990EZ/NetAssetsOrFundBalancesGrp/BOYAmt0207066
IRS990EZ/NetAssetsOrFundBalancesGrp/EOYAmt0185392
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt0000.00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt1000.00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt10
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm0HERMAN KAPPEL
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm1DAVID GREENBLAT
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt0PRESIDENT
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt1SECRETARY
IRS990EZ/OperateHospitalInd0false
IRS990EZ/Organization501c3Ind0X
IRS990EZ/OrganizationDissolvedEtcInd0false
IRS990EZ/OrganizationHadUBIInd0false
IRS990EZ/OtherAssetsTotalDetail/BOYAmt023300
IRS990EZ/OtherAssetsTotalDetail/EOYAmt072700
IRS990EZ/PartVIHghstPdCntrctProfSrvcTxt0NONE
IRS990EZ/PartVIOfCompOfHghstPdEmplTxt0NONE
IRS990EZ/PoliticalCampaignActyInd0false
IRS990EZ/PrimaryExemptPurposeTxt0FREE LOAN SOCIETY
IRS990EZ/ProgramSrvcAccomplishmentGrp/DescriptionProgramSrvcAccomTxt0THE ORGANIZATION IS A FREE LOAN SOCIETY THAT PROVIDES LOANS TO INDIVIDUALS WHO WOULD OTHERWISE BE UNABLE TO OBTAIN LOANS
IRS990EZ/ProgramSrvcAccomplishmentGrp/DescriptionProgramSrvcAccomTxt1THE ORGANIZATION IS A FREE LOAN SOCIETY THAT PROVIDES LOANS TO INDIVIDUALS WHO WOULD OTHERWISE BE UNABLE TO OBTAIN LOANS.
IRS990EZ/ProgramSrvcAccomplishmentGrp/GrantsAndAllocationsAmt025000
IRS990EZ/ProgramSrvcAccomplishmentGrp/ProgramServiceExpensesAmt026475
IRS990EZ/ProhibitedTaxShelterTransInd0false
IRS990EZ/RelatedOrganizationCtrlEntInd0false
IRS990EZ/ScheduleBNotRequiredInd0X
IRS990EZ/SchoolOperatingInd0false
IRS990EZ/StatesWhereCopyOfReturnIsFldCd0NY
IRS990EZ/SubjectToProxyTaxInd0false
IRS990EZ/SumOfTotalLiabilitiesGrp/BOYAmt018800
IRS990EZ/SumOfTotalLiabilitiesGrp/EOYAmt013400
IRS990EZ/TanningServicesProvidedInd0false
IRS990EZ/TotalExpensesAmt026475
IRS990EZ/TotalProgramServiceExpensesAmt026475
IRS990EZ/TotalRevenueAmt04801
IRS990EZ/TransactionWithControlEntInd0false
IRS990EZ/TrnsfrExmptNonChrtblRltdOrgInd0false
IRS990EZ/TypeOfOrganizationCorpInd0X
IRS990EZ/WebsiteAddressTxt0N/A
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearMinus1YearAmt0573
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearMinus2YearsAmt011557
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearMinus3YearsAmt010
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/TotalAmt012140
IRS990ScheduleA/GrossReceiptsRltdActivitiesAmt010912
IRS990ScheduleA/PublicOrganization170Ind0X
IRS990ScheduleA/PublicSupportCY170Pct01.00000
IRS990ScheduleA/PublicSupportPY170Pct01.00000
IRS990ScheduleA/PublicSupportTotal170Amt012140
IRS990ScheduleA/ThirtyThrPctSuprtTestsCY170Ind0X
IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearMinus1YearAmt0573
IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearMinus2YearsAmt011557
IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearMinus3YearsAmt010
IRS990ScheduleA/TotalCalendarYear170Grp/TotalAmt012140
IRS990ScheduleA/TotalSupportAmt012140
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0NAME: DAVIS MEMORIAL FUND CASH CONTRIBUTION: 10,000
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1ACCOUNTS RECEIVABLE 23,300 72,700 LOANS & EXCHANGES 0 0 TOTAL 23,300 72,700
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2LONG TERM LIABILITIES 18,800 13,400
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3THE ORGANIZATION IS A FREE LOAN SOCIETY THAT PROVIDES LOANS TO INDIVIDUALS WHO WOULD OTHERWISE BE UNABLE TO OBTAIN LOANS.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990-EZ, PART I, LINE 10
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990-EZ, PART II, LINE 24
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2FORM 990-EZ, PART II, LINE 26
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3FORM 990-EZ, PART III, LINE 31
ReturnHeader/BuildTS02025-03-06 01:10:19Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0HERMAN KAPPEL
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0PRESIDENT
ReturnHeader/BusinessOfficerGrp/SignatureDt02025-10-22
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0UNITED JEWISH COMMUNITY GEMACH INC
ReturnHeader/Filer/BusinessNameControlTxt0UNIT
ReturnHeader/Filer/EIN0112996764
ReturnHeader/Filer/USAddress/AddressLine1Txt014 SUNSET ROAD
ReturnHeader/Filer/USAddress/CityNm0LAWRENCE
ReturnHeader/Filer/USAddress/StateAbbreviationCd0NY
ReturnHeader/Filer/USAddress/ZIPCd011559
ReturnHeader/IRSResponsiblePrtyInfoCurrInd0false
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0133988268
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0SCHNECK & EISENBERGERCPA'S PC
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt01 EXECUTIVE BLVD STE 105B
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0SUFFERN
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0NY
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd0109014113
ReturnHeader/PreparerPersonGrp/PhoneNum08453684408
ReturnHeader/PreparerPersonGrp/PreparationDt02025-10-27
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0WILLIAM SCHNECK
ReturnHeader/ReturnTs02025-11-17T15:56:11-05:00
ReturnHeader/ReturnTypeCd0990EZ
ReturnHeader/TaxPeriodBeginDt02024-01-01
ReturnHeader/TaxPeriodEndDt02024-12-31
ReturnHeader/TaxYr02024

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Peer Organizations

Similar nonprofits based on the same Siviq industry and scale cohort. NTEE W60Z • <$500k nonprofits