Civic Intelligence

Hebrew Gemilath Chasodim Association

990 • Fiscal year 2022 • EIN 34-0281800

Jan 01, 2022 to Dec 31, 2022 • Filed on Nov 10, 2023

Organization ProfileWWW.INTERESTFREE.ORG

View Organization Page

23300 Chagrin Blvd Suite 204Beachwood, OH 44122

(216) 378-9042

Siviq Scores

Precomputed percentiles for this filing year versus similar nonprofits in the same peer cohort.

Liabilities / Assets

20th percentile

0.00x

Higher debt load relative to assets than 20% of similar nonprofits.

2022 filings • 501(c)3 • $1M-$5M nonprofits • Source year 2022

Liabilities / Revenue

23rd percentile

0.01x

Higher debt load relative to revenue than 23% of similar nonprofits.

2022 filings • 501(c)3 • $1M-$5M nonprofits • Source year 2022

Net Margin

13th percentile

-23%

Higher net margin than 13% of similar nonprofits.

2022 filings • 501(c)3 • $1M-$5M nonprofits • Source year 2022

Top Officer Pay

53rd percentile

$65,042

Higher top officer pay than 53% of similar nonprofits.

Top officer pay equals 14.3% of source-year revenue.

2022 filings • 501(c)3 • $1M-$5M nonprofits • Source year 2022

Asset Growth

23rd percentile

-7.9%

Faster asset growth than 23% of similar nonprofits.

2022 filings • 501(c)3 • $1M-$5M nonprofits • Annualized from 2021 to 2022

Revenue Growth

7th percentile

-48%

Faster revenue growth than 7% of similar nonprofits.

2022 filings • 501(c)3 • $1M-$5M nonprofits • Annualized from 2021 to 2022

Balance Sheet
Liabilities / Assets20th percentile

Assets

Down

$3,038,060

Down $260,934 (-7.9%) from 2021

Net Assets

Down

$3,035,399

Down $246,067 (-7.5%) from 2021

Liabilities

Down

$2,661

Down $14,867 (-85%) from 2021

Revenue And Expenses
Liabilities / Revenue23rd percentileNet Margin13th percentile

Revenue

Down

$453,429

Down $426,488 (-48%) from 2021

Expenses

Up

$556,697

Up $38,625 (+7.5%) from 2021

Net Income

Down

-$103,268

Down $465,113 (-129%) from 2021

Historical Trend

Balance Sheet Trend

Asset Growth23rd percentile

The highlighted filing sits inside the broader history for assets, liabilities, and net assets.

$4.0M$3.0M$2.0M$1.0M$0Assets 2010: $669,495Liabilities 2010: $14,743Net Assets 2010: $654,7522010Assets 2011: $697,309Liabilities 2011: $14,431Net Assets 2011: $682,8782011Assets 2012: $708,862Liabilities 2012: $12,184Net Assets 2012: $696,6782012Assets 2013: $766,107Liabilities 2013: $13,788Net Assets 2013: $752,3192013Assets 2014: $776,414Liabilities 2014: $11,612Net Assets 2014: $764,8022014Assets 2015: $996,563Liabilities 2015: $14,497Net Assets 2015: $982,0662015Assets 2016: $1,080,531Liabilities 2016: $14,427Net Assets 2016: $1,066,1042016Assets 2017: $1,357,400Liabilities 2017: $19,327Net Assets 2017: $1,338,0732017Assets 2018: $1,633,513Liabilities 2018: $20,771Net Assets 2018: $1,612,7422018Assets 2020: $2,862,936Liabilities 2020: $61,538Net Assets 2020: $2,801,3982020Assets 2021: $3,298,994Liabilities 2021: $17,528Net Assets 2021: $3,281,4662021Assets 2022: $3,038,060Liabilities 2022: $2,661Net Assets 2022: $3,035,3992022Assets 2023: $3,218,630Liabilities 2023: $6,431Net Assets 2023: $3,212,1992023Assets 2024: $3,152,920Liabilities 2024: $7,220Net Assets 2024: $3,145,7002024

Highlighted filing

2022

Assets$3,038,060
Liabilities$2,661
Net Assets$3,035,399
Open 2022 Filing

Operations Trend

Revenue Growth7th percentile

Revenue, expenses, and net income across loaded years, with this filing highlighted.

$1.5M$1.0M$500K$0-$500KExpenses 2010: $79,1282010Expenses 2011: $73,6052011Expenses 2012: $73,1272012Revenue 2013: $104,844Expenses 2013: $89,936Net Income 2013: $14,9082013Revenue 2014: $117,643Expenses 2014: $113,195Net Income 2014: $4,4482014Revenue 2015: $363,050Expenses 2015: $137,205Net Income 2015: $225,8452015Revenue 2016: $281,561Expenses 2016: $212,277Net Income 2016: $69,2842016Revenue 2017: $477,632Expenses 2017: $260,711Net Income 2017: $216,9212017Revenue 2018: $725,107Expenses 2018: $396,850Net Income 2018: $328,2572018Revenue 2020: $1,264,465Expenses 2020: $580,944Net Income 2020: $683,5212020Revenue 2021: $879,917Expenses 2021: $518,072Net Income 2021: $361,8452021Revenue 2022: $453,429Expenses 2022: $556,697Net Income 2022: -$103,2682022Revenue 2023: $622,210Expenses 2023: $553,186Net Income 2023: $69,0242023Revenue 2024: $536,642Expenses 2024: $766,986Net Income 2024: -$230,3442024

Highlighted filing

2022

Revenue$453,429
Expenses$556,697
Net Income-$103,268
Open 2022 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2022 to Dec 31, 2022
Signed
Nov 10, 2023
Return Version
2022v5.0
Gross Receipts
$470,503
Mission and Program Overview

Mission

To provide interest-free loans to address the financial challenges of residents of northeast ohio who lack access to traditional lending sources.

Balance Sheet Detail
LineBeginningEndChange
Assets
Investments Other Securities$1,387,900--
Investments in Publicly Traded Securities-$1,254,715-
Cash and Non-Interest-Bearing Accounts$1,005,611$932,317▼ $73,294
Other Notes and Loans Receivable, Net$794,199$850,172▲ $55,973
Pledges and Grants Receivable$110,000--
Land, Buildings, and Equipment, Net$1,284$856▼ $428
Total Assets$3,298,994$3,038,060▼ $260,934
Liabilities
Deferred Revenue$11,105--
Accounts Payable and Accrued Expenses$6,122$1,863▼ $4,259
Other Liabilities$301$798▲ $497
Total Liabilities$17,528$2,661▼ $14,867
Net Assets / Fund Balance
Net Assets Without Donor Restrictions$2,578,941$2,274,374▼ $304,567
Net Assets With Donor Restrictions$702,525$761,025▲ $58,500
Total Net Assets Fund Balance$3,281,466$3,035,399▼ $246,067
Total Liabilities and Net Assets / Fund Balance$3,298,994$3,038,060▼ $260,934

Asset Categories

AssetBook ValueDepreciationBasis
Equipment$856$17,630$18,486

Endowment Activity

PeriodBeginningContrib.Gain/LossOther UsesEnd
2020$183,824-▲ $24,535-$208,359
2019$155,528-▲ $28,296-$183,824
2018$170,131-▼ $14,603-$155,528
Compensation and Service Providers
Top Officer Pay53rd percentile

Employees

NameTitleFull / Part TimeBaseTotal
Carrie MillerExecutive DiFT$65,042$65,042

Board Members and Trustees

NameTitle
Eric KastonPresident
Bruce FallickDirector
Duane D JohnsonDirector
Lorie GelbDirector
Margaret EigstiDirector
Marquettes RobinsonDirector
Nina HolzerDirector
Richardo LeonDirector
Stuart OstroDirector
Laura KleinmanPast Preside
Dara Weinerman SteinbergSecretary
Brian RosenfeltTreasurer
Christine WeissVP Developme
Irwin LowensteinVP Developme
Carol WillenVP Governanc
Jason PowersVP Loan Poli
Jonathan BrownVP Loan Poli
Revenue and Support

Revenue Composition

Contributions and Grants
$349,993
Program Service Revenue
$0
Investment Income
$9,193
Other Revenue
$94,243
All Other Contributions
$349,993
Change in Net Assets
$-103,268
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$392,176
Other Expenses$164,521
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages$260,165$62,661-$322,826
Fees for Services Other$89,888$17,882-$107,770
Other Employee Benefits$35,986$8,668-$44,654
Payroll Taxes$19,903$4,793-$24,696
Other Expenses$16,047--$16,047
Office Expenses$10,403$2,113-$12,516
Occupancy$9,390$2,262-$11,652
Insurance$5,368$1,293-$6,661
Conferences and Meetings$4,066$979-$5,045
Information Technology$3,892$938-$4,830
Total Functional Expenses$455,108$101,589$0$556,697
Fundraising, Events, and Gaming
Fundraising activities
Yes
Gaming activities
No
Professional fundraiser used
No

Fundraising and Gaming Totals

Line ItemAmount
Fundraising Gross Income$111,317
Fundraising Direct Expenses$17,074
Professional Fundraising Fees$0

Fundraising Events

EventGross ReceiptsGross RevenueDirect ExpensesNet Income
2022 Events$111,317$111,317$17,074$94,243
Total Events$111,317$111,317$17,074$94,243
Political and Lobbying Activity
Political campaign activity
No
Lobbying activity
No
Subject to proxy tax
No
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Board Chesed Fund$798
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
Yes
Annual disclosure for covered persons
Yes
Audit committee
Yes
Business relationship with 35% controlled entity
No
Business relationship with family members
No
Business relationship with organization members
No
Material changes to governing documents
No
Compensation from other sources disclosed
No
CEO compensation reviewed
Yes
Other officer compensation reviewed
Yes
Conflict-of-interest policy
Yes
Audited financial statements prepared
No
Key decisions subject to board approval
No
Management duties delegated
No

Governance Explanations

Form 990, Page 6, Part VI, Line 11B

“Form 990 is provided to the governing body prior to being filed. The board of directors reviews form 990 prior to filing,”

Form 990, Page 6, Part VI, Line 12C

“Annually the conflict of interest statement is required to be signed and compliance acknowledged.”

Form 990, Page 6, Part VI, Line 15A

“Compensation is reviewed and approved by the executive committee from the board of directors. Comparable salaries are taken into consideration when determining a fair wage.”

Form 990, Page 6, Part VI, Line 15B

“Compensation is reviewed and approved by the executive committee from the board of directors. Comparable salaries are taken into consideration when determining a fair wage.”

Form 990, Page 6, Part VI, Line 19

“No documents available to the public”

Filing and Contact Details

Filer

Filer Name
Gmiluth Chasodim
EIN
34-0281800
Phone
2163789042
Address
23300 CHAGRIN BLVD SUITE 204, BEACHWOOD, OH 44122
Doing Business As
Hebrew Free Loan Association

Signing Officer

Name
Eric Kaston
Title
President
Phone
2163789047
Signed
2023-11-10
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Carrie Miller
Formed
1904
Legal Domicile
Oh
Voting Board Members
18
Independent Board Members
18
Employees
7

Preparer

Firm
Bhgp& S Inc
Address
21207 CHAGRIN BLVD, BEACHWOOD, OH 44122
Preparer
Robert M Prebul
Phone
2164918300
Supplemental Narrative

Additional Explanations

Form 990, Page 1, Part I, Line 6

“Provide services and expertise in loan review and approval process”

Form 990, Page 2, Part III, Line 4D

“Donor defined loan programs”

Form 990, Part IX, Line 11G

“Office support consultant 0 15,100 0 consulting 6,828 0 0 background checks & fees 37 132 0 development 58,961 0 0 website development 137 33 0 loan service fees 14,057 0 0 professional fees 9,868 2,377 0 temporary labor 0 240 0 total 89,888 17,882 0”

Form 990, Part XI, Line 9

“Book / tax depreciation difference -428”

Raw XML AppendixShowing 400 of 474 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.

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IRS990/Form990PartVIISectionAGrp/TitleTxt0EXECUTIVE DI
IRS990/Form990PartVIISectionAGrp/TitleTxt1VP LOAN POLI
IRS990/Form990PartVIISectionAGrp/TitleTxt2DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt3DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt4DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt5DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt6DIRECTOR
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IRS990/Form990PartVIISectionAGrp/TitleTxt13DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt14TREASURER
IRS990/Form990PartVIISectionAGrp/TitleTxt15SECRETARY
IRS990/Form990PartVIISectionAGrp/TitleTxt16VP DEVELOPME
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IRS990/MinutesOfCommitteesInd0true
IRS990/MinutesOfGoverningBodyInd0true
IRS990/MissionDesc0TO PROVIDE INTEREST-FREE LOANS TO ADDRESS THE FINANCIAL CHALLENGES OF RESIDENTS OF NORTHEAST OHIO WHO LACK ACCESS TO TRADITIONAL LENDING SOURCES.
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IRS990/MoreThan5000KToOrgInd0false
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IRS990/NetAssetsOrFundBalancesEOYAmt03035399
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IRS990/NetIncmFromFundraisingEvtGrp/TotalRevenueColumnAmt094243
IRS990/NetUnrlzdGainsLossesInvstAmt0-142371
IRS990/NoDonorRestrictionNetAssetsGrp/BOYAmt02578941
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IRS990/OccupancyGrp/ManagementAndGeneralAmt02262
IRS990/OccupancyGrp/ProgramServicesAmt09390
IRS990/OccupancyGrp/TotalAmt011652
IRS990/OfficeExpensesGrp/ManagementAndGeneralAmt02113
IRS990/OfficeExpensesGrp/ProgramServicesAmt010403
IRS990/OfficeExpensesGrp/TotalAmt012516
IRS990/OfficerMailingAddressInd0false
IRS990/OperateHospitalInd0false
IRS990/Organization501c3Ind0X
IRS990/OrganizationFollowsFASB117Ind0X
IRS990/OtherChangesInNetAssetsAmt0-428
IRS990/OtherEmployeeBenefitsGrp/ManagementAndGeneralAmt08668
IRS990/OtherEmployeeBenefitsGrp/ProgramServicesAmt035986
IRS990/OtherEmployeeBenefitsGrp/TotalAmt044654
IRS990/OtherExpensesGrp/Desc0BAD DEBTS
IRS990/OtherExpensesGrp/ProgramServicesAmt016047
IRS990/OtherExpensesGrp/TotalAmt016047
IRS990/OtherLiabilitiesGrp/BOYAmt0301
IRS990/OtherLiabilitiesGrp/EOYAmt0798
IRS990/OtherSalariesAndWagesGrp/ManagementAndGeneralAmt062661
IRS990/OtherSalariesAndWagesGrp/ProgramServicesAmt0260165
IRS990/OtherSalariesAndWagesGrp/TotalAmt0322826
IRS990/OtherWebsiteInd0X
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt0794199
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt0850172
IRS990/OwnWebsiteInd0X
IRS990/PartialLiquidationInd0false
IRS990/PayPremiumsPrsnlBnftCntrctInd0false
IRS990/PayrollTaxesGrp/ManagementAndGeneralAmt04793
IRS990/PayrollTaxesGrp/ProgramServicesAmt019903
IRS990/PayrollTaxesGrp/TotalAmt024696
IRS990/PledgesAndGrantsReceivableGrp/BOYAmt0110000
IRS990/PoliticalCampaignActyInd0false
IRS990/PrincipalOfficerNm0CARRIE MILLER
IRS990/ProfessionalFundraisingInd0false
IRS990/ProgSrvcAccomActyOtherGrp/Desc0DONOR DEFINED LOAN PROGRAMS
IRS990/ProgSrvcAccomActyOtherGrp/ExpenseAmt0373608
IRS990/ProhibitedTaxShelterTransInd0false
IRS990/PYContributionsGrantsAmt0759746
IRS990/PYExcessBenefitTransInd0false
IRS990/PYInvestmentIncomeAmt06813
IRS990/PYOtherExpensesAmt0126906
IRS990/PYOtherRevenueAmt0113358
IRS990/PYRevenuesLessExpensesAmt0361845
IRS990/PYSalariesCompEmpBnftPaidAmt0391166
IRS990/PYTotalExpensesAmt0518072
IRS990/PYTotalRevenueAmt0879917
IRS990/QuidProQuoContributionsInd0false
IRS990/RcvFndsToPayPrsnlBnftCntrctInd0false
IRS990/ReconcilationRevenueExpnssAmt0-103268
IRS990/RegularMonitoringEnfrcInd0true
IRS990/RelatedEntityInd0false
IRS990/RelatedOrganizationCtrlEntInd0false
IRS990/ReportInvestmentsOtherSecInd0false
IRS990/ReportLandBuildingEquipmentInd0true
IRS990/ReportOtherAssetsInd0false
IRS990/ReportOtherLiabilitiesInd0true
IRS990/ReportProgramRelatedInvstInd0false
IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/CurrentTaxYearAmt0349993
IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/CurrentTaxYearMinus1YearAmt0912762
IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/CurrentTaxYearMinus2YearsAmt01160043
IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/CurrentTaxYearMinus3YearsAmt0813063
IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/CurrentTaxYearMinus4YearsAmt0648287
IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/TotalAmt03884148
IRS990ScheduleA/GrossInvestmentIncome509Grp/CurrentTaxYearMinus1YearAmt06813
IRS990ScheduleA/GrossInvestmentIncome509Grp/CurrentTaxYearMinus2YearsAmt04397
IRS990ScheduleA/GrossInvestmentIncome509Grp/CurrentTaxYearMinus3YearsAmt08913
IRS990ScheduleA/GrossInvestmentIncome509Grp/CurrentTaxYearMinus4YearsAmt07496
IRS990ScheduleA/GrossInvestmentIncome509Grp/TotalAmt027619
IRS990ScheduleA/GrossReceiptsAdmissionsGrp/CurrentTaxYearAmt09193
IRS990ScheduleA/GrossReceiptsAdmissionsGrp/CurrentTaxYearMinus1YearAmt06813
IRS990ScheduleA/GrossReceiptsAdmissionsGrp/CurrentTaxYearMinus2YearsAmt04397
IRS990ScheduleA/GrossReceiptsAdmissionsGrp/CurrentTaxYearMinus3YearsAmt08912
IRS990ScheduleA/GrossReceiptsAdmissionsGrp/CurrentTaxYearMinus4YearsAmt07496
IRS990ScheduleA/GrossReceiptsAdmissionsGrp/TotalAmt036811
IRS990ScheduleA/InvestmentIncomeAndUBTIGrp/CurrentTaxYearMinus1YearAmt06813
IRS990ScheduleA/InvestmentIncomeAndUBTIGrp/CurrentTaxYearMinus2YearsAmt04397
IRS990ScheduleA/InvestmentIncomeAndUBTIGrp/CurrentTaxYearMinus3YearsAmt08913
IRS990ScheduleA/InvestmentIncomeAndUBTIGrp/CurrentTaxYearMinus4YearsAmt07496
IRS990ScheduleA/InvestmentIncomeAndUBTIGrp/TotalAmt027619
IRS990ScheduleA/InvestmentIncomeCYPct00.01000
IRS990ScheduleA/InvestmentIncomePYPct00.01000
IRS990ScheduleA/NetIncomeFromOtherUBIGrp/CurrentTaxYearAmt093243
IRS990ScheduleA/NetIncomeFromOtherUBIGrp/TotalAmt093243
IRS990ScheduleA/PubliclySupportedOrg509a2Ind0X
IRS990ScheduleA/PublicSupportCY509Pct00.97010
IRS990ScheduleA/PublicSupportPY509Pct00.99210
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IRS990ScheduleA/ThirtyThrPctSuprtTestsCY509Ind0X
IRS990ScheduleA/Total509Grp/CurrentTaxYearAmt0359186
IRS990ScheduleA/Total509Grp/CurrentTaxYearMinus1YearAmt0919575
IRS990ScheduleA/Total509Grp/CurrentTaxYearMinus2YearsAmt01164440
IRS990ScheduleA/Total509Grp/CurrentTaxYearMinus3YearsAmt0821975
IRS990ScheduleA/Total509Grp/CurrentTaxYearMinus4YearsAmt0655783
IRS990ScheduleA/Total509Grp/TotalAmt03920959
IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearAmt0452429
IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearMinus1YearAmt0926388
IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearMinus2YearsAmt01168837
IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearMinus3YearsAmt0830888
IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearMinus4YearsAmt0663279
IRS990ScheduleA/TotalSupportCalendarYearGrp/TotalAmt04041821
IRS990/ScheduleBRequiredInd0false
IRS990ScheduleD/CYMinus2YrEndwmtFundGrp/BeginningYearBalanceAmt0183824
IRS990ScheduleD/CYMinus2YrEndwmtFundGrp/EndYearBalanceAmt0208359
IRS990ScheduleD/CYMinus2YrEndwmtFundGrp/InvestmentEarningsOrLossesAmt024535
IRS990ScheduleD/CYMinus3YrEndwmtFundGrp/BeginningYearBalanceAmt0155528
IRS990ScheduleD/CYMinus3YrEndwmtFundGrp/EndYearBalanceAmt0183824
IRS990ScheduleD/CYMinus3YrEndwmtFundGrp/InvestmentEarningsOrLossesAmt028296
IRS990ScheduleD/CYMinus4YrEndwmtFundGrp/BeginningYearBalanceAmt0170131
IRS990ScheduleD/CYMinus4YrEndwmtFundGrp/EndYearBalanceAmt0155528
IRS990ScheduleD/CYMinus4YrEndwmtFundGrp/InvestmentEarningsOrLossesAmt0-14603
IRS990ScheduleD/EndowmentsHeldRelatedOrgInd0false
IRS990ScheduleD/EndowmentsHeldUnrelatedOrgInd0false
IRS990ScheduleD/EquipmentGrp/BookValueAmt0856
IRS990ScheduleD/EquipmentGrp/DepreciationAmt017630
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt018486
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt0798
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0BOARD CHESED FUND
IRS990ScheduleD/TotalBookValueLandBuildingsAmt0856
IRS990ScheduleD/TotalLiabilityAmt0798
IRS990ScheduleG/FundraisingEventInformationGrp/DirectExpenseSummaryEventsAmt017074
IRS990ScheduleG/FundraisingEventInformationGrp/Event1Nm02022 EVENTS
IRS990ScheduleG/FundraisingEventInformationGrp/GrossReceiptsEvent1Amt0111317
IRS990ScheduleG/FundraisingEventInformationGrp/GrossReceiptsTotalAmt0111317
IRS990ScheduleG/FundraisingEventInformationGrp/GrossRevenueEvent1Amt0111317
IRS990ScheduleG/FundraisingEventInformationGrp/GrossRevenueTotalEventsAmt0111317
IRS990ScheduleG/FundraisingEventInformationGrp/NetIncomeSummaryAmt094243
IRS990ScheduleG/FundraisingEventInformationGrp/OthDirectExpnssTotalEventsAmt017074
IRS990ScheduleG/FundraisingEventInformationGrp/OtherDirectExpensesEvent1Amt017074
IRS990/ScheduleJRequiredInd0false
IRS990/ScheduleORequiredInd0false
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0PROVIDE SERVICES AND EXPERTISE IN LOAN REVIEW AND APPROVAL PROCESS
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1DONOR DEFINED LOAN PROGRAMS
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2FORM 990 IS PROVIDED TO THE GOVERNING BODY PRIOR TO BEING FILED. THE BOARD OF DIRECTORS REVIEWS FORM 990 PRIOR TO FILING,
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3ANNUALLY THE CONFLICT OF INTEREST STATEMENT IS REQUIRED TO BE SIGNED AND COMPLIANCE ACKNOWLEDGED.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4COMPENSATION IS REVIEWED AND APPROVED BY THE EXECUTIVE COMMITTEE FROM THE BOARD OF DIRECTORS. COMPARABLE SALARIES ARE TAKEN INTO CONSIDERATION WHEN DETERMINING A FAIR WAGE.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5COMPENSATION IS REVIEWED AND APPROVED BY THE EXECUTIVE COMMITTEE FROM THE BOARD OF DIRECTORS. COMPARABLE SALARIES ARE TAKEN INTO CONSIDERATION WHEN DETERMINING A FAIR WAGE.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6NO DOCUMENTS AVAILABLE TO THE PUBLIC
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt7OFFICE SUPPORT CONSULTANT 0 15,100 0 CONSULTING 6,828 0 0 BACKGROUND CHECKS & FEES 37 132 0 DEVELOPMENT 58,961 0 0 WEBSITE DEVELOPMENT 137 33 0 LOAN SERVICE FEES 14,057 0 0 PROFESSIONAL FEES 9,868 2,377 0 TEMPORARY LABOR 0 240 0 TOTAL 89,888 17,882 0
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt8BOOK / TAX DEPRECIATION DIFFERENCE -428
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990, PAGE 1, PART I, LINE 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990, PAGE 2, PART III, LINE 4D
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2FORM 990, PAGE 6, PART VI, LINE 11B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3FORM 990, PAGE 6, PART VI, LINE 12C
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4FORM 990, PAGE 6, PART VI, LINE 15A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5FORM 990, PAGE 6, PART VI, LINE 15B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6FORM 990, PAGE 6, PART VI, LINE 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc7FORM 990, PART IX, LINE 11G
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc8FORM 990, PART XI, LINE 9
IRS990/SchoolOperatingInd0false
IRS990/SignificantChangeInd0false
IRS990/SignificantNewProgramSrvcInd0false
IRS990/StatesWhereCopyOfReturnIsFldCd0OH
IRS990/SubjectToExcsTaxNetInvstIncInd0false
IRS990/SubjectToProxyTaxInd0false

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Filings

Displayed year

2022 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$3,038,060
Liabilities
$2,661
Net assets
$3,035,399
Revenue
$453,429
Expenses
$556,697
Net income
-$103,268
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Facts available. Structured filing facts are available, but richer extracted sections are limited.$3.15$0.01$3.15$0.54$0.77$0.23
2023XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$3.22$0.01$3.21$0.62$0.55$0.07
2022Detailed filing. Detailed filing data is available for this year.$3.04$0.00$3.04$0.45$0.56$0.10
2021XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$3.30$0.02$3.28$0.88$0.52$0.36
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$2.86$0.06$2.80$1.26$0.58$0.68
2018Facts available. Structured filing facts are available, but richer extracted sections are limited.$1.63$0.02$1.61$0.73$0.40$0.33
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$1.36$0.02$1.34$0.48$0.26$0.22
2016XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$1.08$0.01$1.07$0.28$0.21$0.07
2015Detailed filing. Detailed filing data is available for this year.$1.00$0.01$0.98$0.36$0.14$0.23
2014Detailed filing. Detailed filing data is available for this year.$0.78$0.01$0.76$0.12$0.11$0.00
2013Detailed filing. Detailed filing data is available for this year.$0.77$0.01$0.75$0.10$0.09$0.01
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$0.71$0.01$0.70$0.07
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$0.70$0.01$0.68$0.07
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$0.67$0.01$0.65$0.08