Civic Intelligence

Hebrew Gemilath Chasodim Association

990 • Fiscal year 2023 • EIN 34-0281800

Jan 01, 2023 to Dec 31, 2023 • Filed on Jul 08, 2024

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

23rd percentile

0.00x

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

2023 filings • 501(c)3 • $1M-$5M nonprofits • Source year 2023

Liabilities / Revenue

27th percentile

0.01x

Higher debt load relative to revenue than 27% of similar nonprofits.

2023 filings • 501(c)3 • $1M-$5M nonprofits • Source year 2023

Net Margin

63rd percentile

11%

Higher net margin than 63% of similar nonprofits.

2023 filings • 501(c)3 • $1M-$5M nonprofits • Source year 2023

Top Officer Pay

61st percentile

$85,000

Higher top officer pay than 61% of similar nonprofits.

Top officer pay equals 13.7% of source-year revenue.

2023 filings • 501(c)3 • $1M-$5M nonprofits • Source year 2023

Asset Growth

54th percentile

5.9%

Faster asset growth than 54% of similar nonprofits.

2023 filings • 501(c)3 • $1M-$5M nonprofits • Annualized from 2022 to 2023

Revenue Growth

79th percentile

37%

Faster revenue growth than 79% of similar nonprofits.

2023 filings • 501(c)3 • $1M-$5M nonprofits • Annualized from 2022 to 2023

Balance Sheet
Liabilities / Assets23rd percentile

Assets

Up

$3,218,630

Up $180,570 (+5.9%) from 2022

Net Assets

Up

$3,212,199

Up $176,800 (+5.8%) from 2022

Liabilities

Up

$6,431

Up $3,770 (+142%) from 2022

Revenue And Expenses
Liabilities / Revenue27th percentileNet Margin63rd percentile

Revenue

Up

$622,210

Up $168,781 (+37%) from 2022

Expenses

Down

$553,186

Down $3,511 (-0.6%) from 2022

Net Income

Up

$69,024

Up $172,292 (+167%) from 2022

Historical Trend

Balance Sheet Trend

Asset Growth54th 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

2023

Assets$3,218,630
Liabilities$6,431
Net Assets$3,212,199
Open 2023 Filing

Operations Trend

Revenue Growth79th 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

2023

Revenue$622,210
Expenses$553,186
Net Income$69,024
Open 2023 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2023 to Dec 31, 2023
Signed
Jul 8, 2024
Return Version
2023v5.0
Gross Receipts
$672,391
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-$1,762,951-
Investments in Publicly Traded Securities$1,254,715--
Other Notes and Loans Receivable, Net$850,172$1,127,214▲ $277,042
Cash and Non-Interest-Bearing Accounts$932,317$326,888▼ $605,429
Prepaid Expenses and Deferred Charges-$1,149-
Land, Buildings, and Equipment, Net$856$428▼ $428
Total Assets$3,038,060$3,218,630▲ $180,570
Liabilities
Accounts Payable and Accrued Expenses$1,863$5,633▲ $3,770
Other Liabilities$798$798→ $0
Total Liabilities$2,661$6,431▲ $3,770
Net Assets / Fund Balance
Net Assets Without Donor Restrictions$2,274,374$2,527,199▲ $252,825
Net Assets With Donor Restrictions$761,025$685,000▼ $76,025
Total Net Assets Fund Balance$3,035,399$3,212,199▲ $176,800
Total Liabilities and Net Assets / Fund Balance$3,038,060$3,218,630▲ $180,570

Asset Categories

AssetBook ValueDepreciationBasis
Equipment$428$18,058$18,486
Other Securities$183,880--

Endowment Activity

PeriodBeginningContrib.Gain/LossOther UsesEnd
2020$183,824-▲ $24,535-$208,359
2019$155,528-▲ $28,296-$183,824
Compensation and Service Providers
Top Officer Pay61st percentile

Employees

NameTitleFull / Part TimeBaseTotal
Carrie MillerExecutive DiFT$85,000$85,000

Board Members and Trustees

NameTitle
Jonathan BrownPresident
Bruce FallickDirector
Emmanuel HiltonDirector
Eric ZellDirector
Margaret EigstiDirector
Marquettes RobinsonDirector
Melissa DegennaroDirector
Nan ZieleniecDirector
Nina HolzerDirector
David EdelmanPast Preside
Eric KastonPast Preside
Laura KleinmanPast Preside
Lisa Arlyn LowePast Preside
Dara Weinerman SteinbergSecretary
Michael PaullTreasurer
Irwin LowensteinVP Developme
Kerri ColwellVP Develpmen
Carol WillenVP Governanc
Jason PowersVP Governanc
Brian RosenfeltVP It
Richardo LeonVP Loan Poli
Revenue and Support

Revenue Composition

Contributions and Grants
$606,185
Program Service Revenue
$0
Investment Income
$26,865
Other Revenue
$-10,840
All Other Contributions
$606,185
Change in Net Assets
$69,024

Audited Revenue Reconciliation

Revenue per Audited Statements
$622,210
Total Revenue per Audited Statements
$622,210
Total Revenue per Form 990
$622,210
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$314,097
Salaries, Compensation, and Employee Benefits$239,089
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages$95,513$111,843-$207,356
Fees for Services Other$123,519$21,553-$145,072
Other Employee Benefits$7,300$8,570-$15,870
Payroll Taxes$7,297$8,566-$15,863
Occupancy$5,943$6,959-$12,902
Office Expenses$4,490$5,532-$10,022
Insurance$2,866$3,356-$6,222
Conferences and Meetings$2,252$2,638-$4,890
Information Technology$1,566$1,834-$3,400
Other Expenses$1,075--$1,075
Total Functional Expenses$382,335$170,851$0$553,186

Audited Expense Reconciliation

Line ItemAmount
Total Expenses per Audited Statements$553,614
Expenses per Audited Statements$553,186
Total Expenses per Form 990$553,186
Expenses Not Reported on Form 990$428
Fundraising, Events, and Gaming
Fundraising activities
Yes
Gaming activities
No
Professional fundraiser used
No

Fundraising and Gaming Totals

Line ItemAmount
Fundraising Direct Expenses$50,181
Fundraising Gross Income$39,341
Professional Fundraising Fees$0

Fundraising Events

EventGross ReceiptsGross RevenueDirect ExpensesNet Income
2023 Events$39,341$39,341$50,181$-10,840
Total Events$39,341$39,341$50,181$-10,840
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
No
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
Jonathan Brown
Title
President
Phone
2163789047
Signed
2024-07-08
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Jonathan Brown
Formed
1904
Legal Domicile
Oh
Voting Board Members
22
Independent Board Members
22
Employees
11

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 10,341 12,109 0 consulting 1,400 1,640 0 background checks & fees 0 6,214 0 development 53,175 0 0 loan service fees 57,246 0 0 professional fees 653 765 0 payyroll processing fees 704 825 0 total 123,519 21,553 0”

Form 990, Part XI, Line 9

“Book / tax depreciation difference -428”

Financial Statement Notes

Schedule D, Page 4, Part XII, Line 2D

“Book / tax depreciation difference 428”

Raw XML AppendixShowing 400 of 514 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
IRS990/AccountantCompileOrReviewInd0false
IRS990/AccountsPayableAccrExpnssGrp/BOYAmt01863
IRS990/AccountsPayableAccrExpnssGrp/EOYAmt05633
IRS990/ActivitiesConductedPrtshpInd0false
IRS990/ActivityOrMissionDesc0TO PROVIDE INTEREST-FREE LOANS TO ADDRESS THE FINANCIAL CHALLENGES OF RESIDENTS OF NORTHEAST OHIO WHO LACK ACCESS TO TRADITIONAL LENDING SOURCES.
IRS990/AllOtherContributionsAmt0606185
IRS990/AnnualDisclosureCoveredPrsnInd0true
IRS990/AuditCommitteeInd0true
IRS990/BooksInCareOfDetail/PersonNm0CARRIE MILLER
IRS990/BooksInCareOfDetail/PhoneNum02163789042
IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt023300 CHAGRIN BLVD 204
IRS990/BooksInCareOfDetail/USAddress/CityNm0BEACHWOOD
IRS990/BooksInCareOfDetail/USAddress/StateAbbreviationCd0OH
IRS990/BooksInCareOfDetail/USAddress/ZIPCd044122
IRS990/BusinessRlnWith35CtrlEntInd0false
IRS990/BusinessRlnWithFamMemInd0false
IRS990/BusinessRlnWithOrgMemInd0false
IRS990/CashNonInterestBearingGrp/BOYAmt0932317
IRS990/CashNonInterestBearingGrp/EOYAmt0326888
IRS990/ChangeToOrgDocumentsInd0false
IRS990/CollectionsOfArtInd0false
IRS990/CompensationFromOtherSrcsInd0false
IRS990/CompensationProcessCEOInd0true
IRS990/CompensationProcessOtherInd0true
IRS990/ConferencesMeetingsGrp/ManagementAndGeneralAmt02638
IRS990/ConferencesMeetingsGrp/ProgramServicesAmt02252
IRS990/ConferencesMeetingsGrp/TotalAmt04890
IRS990/ConflictOfInterestPolicyInd0true
IRS990/ConservationEasementsInd0false
IRS990/ConsolidatedAuditFinclStmtInd0false
IRS990/CreditCounselingInd0false
IRS990/CYBenefitsPaidToMembersAmt00
IRS990/CYContributionsGrantsAmt0606185
IRS990/CYGrantsAndSimilarPaidAmt00
IRS990/CYInvestmentIncomeAmt026865
IRS990/CYOtherExpensesAmt0314097
IRS990/CYOtherRevenueAmt0-10840
IRS990/CYProgramServiceRevenueAmt00
IRS990/CYRevenuesLessExpensesAmt069024
IRS990/CYSalariesCompEmpBnftPaidAmt0239089
IRS990/CYTotalExpensesAmt0553186
IRS990/CYTotalFundraisingExpenseAmt00
IRS990/CYTotalProfFndrsngExpnsAmt00
IRS990/CYTotalRevenueAmt0622210
IRS990/DecisionsSubjectToApprovaInd0false
IRS990/DeductibleArtContributionInd0false
IRS990/DeductibleNonCashContriInd0false
IRS990/DelegationOfMgmtDutiesInd0false
IRS990/Desc0LOAN PROGRAMS
IRS990/DescribedInSection501c3Ind0true
IRS990/DisregardedEntityInd0false
IRS990/DocumentRetentionPolicyInd0false
IRS990/DoingBusinessAsName/BusinessNameLine1Txt0HEBREW FREE LOAN ASSOCIATION
IRS990/DonorAdvisedFundInd0false
IRS990/DonorRestrictionNetAssetsGrp/BOYAmt0761025
IRS990/DonorRestrictionNetAssetsGrp/EOYAmt0685000
IRS990/DonorRstrOrQuasiEndowmentsInd0true
IRS990/ElectionOfBoardMembersInd0false
IRS990/EmployeeCnt011
IRS990/EmploymentTaxReturnsFiledInd0true
IRS990/EngagedInExcessBenefitTransInd0false
IRS990/ExpenseAmt0212174
IRS990/FamilyOrBusinessRlnInd0false
IRS990/FederalGrantAuditRequiredInd0false
IRS990/FeesForServicesOtherGrp/ManagementAndGeneralAmt021553
IRS990/FeesForServicesOtherGrp/ProgramServicesAmt0123519
IRS990/FeesForServicesOtherGrp/TotalAmt0145072
IRS990/ForeignActivitiesInd0false
IRS990/ForeignFinancialAccountInd0false
IRS990/ForeignOfficeInd0false
IRS990/Form1098CFiledInd0false
IRS990/Form8282PropertyDisposedOfInd0false
IRS990/Form8899Filedind0false
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt040.00
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd0X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd1X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd2X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd3X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd4X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd5X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd6X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd7X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd8X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd9X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd10X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd11X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd12X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd13X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd14X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd15X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd16X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd17X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd18X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd19X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd20X
IRS990/Form990PartVIISectionAGrp/OfficerInd0X
IRS990/Form990PartVIISectionAGrp/OfficerInd1X
IRS990/Form990PartVIISectionAGrp/OfficerInd2X
IRS990/Form990PartVIISectionAGrp/OfficerInd3X
IRS990/Form990PartVIISectionAGrp/OfficerInd4X
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt00
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt10
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt20
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt30
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt40
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt50
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt60
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt70
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt80
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt90
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt100
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt110
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt120
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt130
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt140
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt150
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt160
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt170
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt180
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt190
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt200
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt210
IRS990/Form990PartVIISectionAGrp/PersonNm0CARRIE MILLER
IRS990/Form990PartVIISectionAGrp/PersonNm1JONATHAN BROWN
IRS990/Form990PartVIISectionAGrp/PersonNm2KERRI COLWELL
IRS990/Form990PartVIISectionAGrp/PersonNm3MELISSA DEGENNARO
IRS990/Form990PartVIISectionAGrp/PersonNm4DAVID EDELMAN
IRS990/Form990PartVIISectionAGrp/PersonNm5MARGARET EIGSTI
IRS990/Form990PartVIISectionAGrp/PersonNm6BRUCE FALLICK
IRS990/Form990PartVIISectionAGrp/PersonNm7EMMANUEL HILTON
IRS990/Form990PartVIISectionAGrp/PersonNm8NINA HOLZER
IRS990/Form990PartVIISectionAGrp/PersonNm9ERIC KASTON
IRS990/Form990PartVIISectionAGrp/PersonNm10LAURA KLEINMAN
IRS990/Form990PartVIISectionAGrp/PersonNm11RICHARDO LEON
IRS990/Form990PartVIISectionAGrp/PersonNm12LISA ARLYN LOWE
IRS990/Form990PartVIISectionAGrp/PersonNm13IRWIN LOWENSTEIN
IRS990/Form990PartVIISectionAGrp/PersonNm14MICHAEL PAULL
IRS990/Form990PartVIISectionAGrp/PersonNm15JASON POWERS
IRS990/Form990PartVIISectionAGrp/PersonNm16MARQUETTES ROBINSON
IRS990/Form990PartVIISectionAGrp/PersonNm17BRIAN ROSENFELT
IRS990/Form990PartVIISectionAGrp/PersonNm18DARA WEINERMAN STEINBERG
IRS990/Form990PartVIISectionAGrp/PersonNm19CAROL WILLEN
IRS990/Form990PartVIISectionAGrp/PersonNm20ERIC ZELL
IRS990/Form990PartVIISectionAGrp/PersonNm21NAN ZIELENIEC
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt085000
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt50
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt60
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt70
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt80
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt90
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt100
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt110
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt120
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt130
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt140
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt150
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt160
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt170
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt180
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt190
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt200
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt210
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt00
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt50
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt60
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt70
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt80
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt90
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt100
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt110
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt120
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt130
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt140
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt150
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt160
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt170
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt180
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt190
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt200
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt210
IRS990/Form990PartVIISectionAGrp/TitleTxt0EXECUTIVE DI
IRS990/Form990PartVIISectionAGrp/TitleTxt1PRESIDENT
IRS990/Form990PartVIISectionAGrp/TitleTxt2VP DEVELPMEN
IRS990/Form990PartVIISectionAGrp/TitleTxt3DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt4PAST PRESIDE
IRS990/Form990PartVIISectionAGrp/TitleTxt5DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt6DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt7DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt8DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt9PAST PRESIDE
IRS990/Form990PartVIISectionAGrp/TitleTxt10PAST PRESIDE
IRS990/Form990PartVIISectionAGrp/TitleTxt11VP LOAN POLI
IRS990/Form990PartVIISectionAGrp/TitleTxt12PAST PRESIDE
IRS990/Form990PartVIISectionAGrp/TitleTxt13VP DEVELOPME
IRS990/Form990PartVIISectionAGrp/TitleTxt14TREASURER
IRS990/Form990PartVIISectionAGrp/TitleTxt15VP GOVERNANC
IRS990/Form990PartVIISectionAGrp/TitleTxt16DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt17VP IT
IRS990/Form990PartVIISectionAGrp/TitleTxt18SECRETARY
IRS990/Form990PartVIISectionAGrp/TitleTxt19VP GOVERNANC
IRS990/Form990PartVIISectionAGrp/TitleTxt20DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt21DIRECTOR
IRS990/Form990ProvidedToGvrnBodyInd0true
IRS990/FormationYr01904
IRS990/FormerOfcrEmployeesListedInd0false
IRS990/FSAuditedBasisGrp/SeparateBasisFinclStmtInd0X
IRS990/FSAuditedInd0true
IRS990/FundraisingActivitiesInd0true
IRS990/FundraisingDirectExpensesAmt050181
IRS990/FundraisingGrossIncomeAmt039341
IRS990/GamingActivitiesInd0false
IRS990/GoverningBodyVotingMembersCnt022
IRS990/GrantsToIndividualsInd0false
IRS990/GrantsToOrganizationsInd0false
IRS990/GrantToRelatedPersonInd0false
IRS990/GrossReceiptsAmt0672391
IRS990/GroupReturnForAffiliatesInd0false
IRS990/IncludeFIN48FootnoteInd0false
IRS990/IndependentAuditFinclStmtInd0true
IRS990/IndependentVotingMemberCnt022
IRS990/IndoorTanningServicesInd0false
IRS990/InfoInScheduleOPartIIIInd0X
IRS990/InfoInScheduleOPartIXInd0X
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InfoInScheduleOPartXIInd0X
IRS990/InformationTechnologyGrp/ManagementAndGeneralAmt01834
IRS990/InformationTechnologyGrp/ProgramServicesAmt01566
IRS990/InformationTechnologyGrp/TotalAmt03400
IRS990/InsuranceGrp/ManagementAndGeneralAmt03356
IRS990/InsuranceGrp/ProgramServicesAmt02866
IRS990/InsuranceGrp/TotalAmt06222
IRS990/InvestmentIncomeGrp/RelatedOrExemptFuncIncomeAmt026865
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt026865
IRS990/InvestmentInJointVentureInd0false
IRS990/InvestmentsOtherSecuritiesGrp/EOYAmt01762951
IRS990/InvestmentsPubTradedSecGrp/BOYAmt01254715
IRS990/IRPDocumentCnt00
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt018058
IRS990/LandBldgEquipBasisNetGrp/BOYAmt0856
IRS990/LandBldgEquipBasisNetGrp/EOYAmt0428
IRS990/LandBldgEquipCostOrOtherBssAmt018486
IRS990/LegalDomicileStateCd0OH
IRS990/LoanOutstandingInd0false
IRS990/LobbyingActivitiesInd0false
IRS990/LocalChaptersInd0false
IRS990/MaterialDiversionOrMisuseInd0false
IRS990/MembersOrStockholdersInd0false
IRS990/MethodOfAccountingAccrualInd0X
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.
IRS990/MoreThan5000KToIndividualsInd0false
IRS990/MoreThan5000KToOrgInd0false
IRS990/NetAssetsOrFundBalancesBOYAmt03035399
IRS990/NetAssetsOrFundBalancesEOYAmt03212199
IRS990/NetIncmFromFundraisingEvtGrp/ExclusionAmt0-10840
IRS990/NetIncmFromFundraisingEvtGrp/TotalRevenueColumnAmt0-10840
IRS990/NetUnrlzdGainsLossesInvstAmt0108204
IRS990/NoDonorRestrictionNetAssetsGrp/BOYAmt02274374
IRS990/NoDonorRestrictionNetAssetsGrp/EOYAmt02527199
IRS990/NondeductibleContributionsInd0false
IRS990/OccupancyGrp/ManagementAndGeneralAmt06959
IRS990/OccupancyGrp/ProgramServicesAmt05943
IRS990/OccupancyGrp/TotalAmt012902
IRS990/OfficeExpensesGrp/ManagementAndGeneralAmt05532
IRS990/OfficeExpensesGrp/ProgramServicesAmt04490
IRS990/OfficeExpensesGrp/TotalAmt010022
IRS990/OfficerMailingAddressInd0false
IRS990/OperateHospitalInd0false
IRS990/Organization501c3Ind0X
IRS990/OrganizationFollowsFASB117Ind0X
IRS990/OtherChangesInNetAssetsAmt0-428
IRS990/OtherEmployeeBenefitsGrp/ManagementAndGeneralAmt08570
IRS990/OtherEmployeeBenefitsGrp/ProgramServicesAmt07300
IRS990/OtherEmployeeBenefitsGrp/TotalAmt015870
IRS990/OtherExpensesGrp/Desc0CREDIT LOSSES/BAD DEBTS
IRS990/OtherExpensesGrp/Desc1TEMPORARY CONTRACT SERVIC
IRS990/OtherExpensesGrp/ProgramServicesAmt0130514
IRS990/OtherExpensesGrp/ProgramServicesAmt11075
IRS990/OtherExpensesGrp/TotalAmt0130514
IRS990/OtherExpensesGrp/TotalAmt11075
IRS990/OtherLiabilitiesGrp/BOYAmt0798
IRS990/OtherLiabilitiesGrp/EOYAmt0798
IRS990/OtherSalariesAndWagesGrp/ManagementAndGeneralAmt0111843
IRS990/OtherSalariesAndWagesGrp/ProgramServicesAmt095513
IRS990/OtherSalariesAndWagesGrp/TotalAmt0207356
IRS990/OtherWebsiteInd0X
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt0850172
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt01127214
IRS990/OwnWebsiteInd0X
IRS990/PartialLiquidationInd0false
IRS990/PayPremiumsPrsnlBnftCntrctInd0false
IRS990/PayrollTaxesGrp/ManagementAndGeneralAmt08566
IRS990/PayrollTaxesGrp/ProgramServicesAmt07297
IRS990/PayrollTaxesGrp/TotalAmt015863
IRS990/PoliticalCampaignActyInd0false
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt01149
IRS990/PrincipalOfficerNm0JONATHAN BROWN
IRS990/ProfessionalFundraisingInd0false
IRS990/ProgSrvcAccomActyOtherGrp/Desc0DONOR DEFINED LOAN PROGRAMS
IRS990/ProgSrvcAccomActyOtherGrp/ExpenseAmt0170161
IRS990/ProhibitedTaxShelterTransInd0false
IRS990/PYContributionsGrantsAmt0349993
IRS990/PYExcessBenefitTransInd0false
IRS990/PYInvestmentIncomeAmt09193
IRS990/PYOtherExpensesAmt0164521
IRS990/PYOtherRevenueAmt094243
IRS990/PYRevenuesLessExpensesAmt0-103268
IRS990/PYSalariesCompEmpBnftPaidAmt0392176
IRS990/PYTotalExpensesAmt0556697
IRS990/PYTotalRevenueAmt0453429
IRS990/QuidProQuoContributionsInd0false
IRS990/RcvFndsToPayPrsnlBnftCntrctInd0false
IRS990/ReconcilationRevenueExpnssAmt069024
IRS990/RegularMonitoringEnfrcInd0true
IRS990/RelatedEntityInd0false
IRS990/RelatedOrganizationCtrlEntInd0false
IRS990/ReportInvestmentsOtherSecInd0true
IRS990/ReportLandBuildingEquipmentInd0true
IRS990/ReportOtherAssetsInd0false
IRS990/ReportOtherLiabilitiesInd0true
IRS990/ReportProgramRelatedInvstInd0false
IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/CurrentTaxYearAmt0606185
IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/CurrentTaxYearMinus1YearAmt0349993
IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/CurrentTaxYearMinus2YearsAmt0912762
IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/CurrentTaxYearMinus3YearsAmt01160043
IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/CurrentTaxYearMinus4YearsAmt0813063
IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/TotalAmt03842046
IRS990ScheduleA/GrossInvestmentIncome509Grp/CurrentTaxYearMinus2YearsAmt06813
IRS990ScheduleA/GrossInvestmentIncome509Grp/CurrentTaxYearMinus3YearsAmt04397
IRS990ScheduleA/GrossInvestmentIncome509Grp/CurrentTaxYearMinus4YearsAmt08913
IRS990ScheduleA/GrossInvestmentIncome509Grp/TotalAmt020123
IRS990ScheduleA/GrossReceiptsAdmissionsGrp/CurrentTaxYearAmt026865
IRS990ScheduleA/GrossReceiptsAdmissionsGrp/CurrentTaxYearMinus1YearAmt09193
IRS990ScheduleA/GrossReceiptsAdmissionsGrp/CurrentTaxYearMinus2YearsAmt06813
IRS990ScheduleA/GrossReceiptsAdmissionsGrp/CurrentTaxYearMinus3YearsAmt04397
IRS990ScheduleA/GrossReceiptsAdmissionsGrp/CurrentTaxYearMinus4YearsAmt08912
IRS990ScheduleA/GrossReceiptsAdmissionsGrp/TotalAmt056180
IRS990ScheduleA/InvestmentIncomeAndUBTIGrp/CurrentTaxYearMinus2YearsAmt06813
IRS990ScheduleA/InvestmentIncomeAndUBTIGrp/CurrentTaxYearMinus3YearsAmt04397
IRS990ScheduleA/InvestmentIncomeAndUBTIGrp/CurrentTaxYearMinus4YearsAmt08913
IRS990ScheduleA/InvestmentIncomeAndUBTIGrp/TotalAmt020123
IRS990ScheduleA/InvestmentIncomeCYPct00.01000
IRS990ScheduleA/InvestmentIncomePYPct00.01000
IRS990ScheduleA/NetIncomeFromOtherUBIGrp/CurrentTaxYearMinus1YearAmt093243
IRS990ScheduleA/NetIncomeFromOtherUBIGrp/TotalAmt093243
IRS990ScheduleA/PubliclySupportedOrg509a2Ind0X
IRS990ScheduleA/PublicSupportCY509Pct00.97170
IRS990ScheduleA/PublicSupportPY509Pct00.97010
IRS990ScheduleA/PublicSupportTotal509Amt03898226
IRS990ScheduleA/ThirtyThrPctSuprtTestsCY509Ind0X
IRS990ScheduleA/Total509Grp/CurrentTaxYearAmt0633050
IRS990ScheduleA/Total509Grp/CurrentTaxYearMinus1YearAmt0359186
IRS990ScheduleA/Total509Grp/CurrentTaxYearMinus2YearsAmt0919575
IRS990ScheduleA/Total509Grp/CurrentTaxYearMinus3YearsAmt01164440
IRS990ScheduleA/Total509Grp/CurrentTaxYearMinus4YearsAmt0821975
IRS990ScheduleA/Total509Grp/TotalAmt03898226
IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearAmt0633050
IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearMinus1YearAmt0452429
IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearMinus2YearsAmt0926388
IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearMinus3YearsAmt01168837
IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearMinus4YearsAmt0830888
IRS990ScheduleA/TotalSupportCalendarYearGrp/TotalAmt04011592
IRS990/ScheduleBRequiredInd0false
IRS990ScheduleD/CYMinus3YrEndwmtFundGrp/BeginningYearBalanceAmt0183824
IRS990ScheduleD/CYMinus3YrEndwmtFundGrp/EndYearBalanceAmt0208359
IRS990ScheduleD/CYMinus3YrEndwmtFundGrp/InvestmentEarningsOrLossesAmt024535
IRS990ScheduleD/CYMinus4YrEndwmtFundGrp/BeginningYearBalanceAmt0155528
IRS990ScheduleD/CYMinus4YrEndwmtFundGrp/EndYearBalanceAmt0183824
IRS990ScheduleD/CYMinus4YrEndwmtFundGrp/InvestmentEarningsOrLossesAmt028296
IRS990ScheduleD/EndowmentsHeldRelatedOrgInd0false
IRS990ScheduleD/EndowmentsHeldUnrelatedOrgInd0false
IRS990ScheduleD/EquipmentGrp/BookValueAmt0428
IRS990ScheduleD/EquipmentGrp/DepreciationAmt018058
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt018486
IRS990ScheduleD/ExpensesNotReportedAmt0428
IRS990ScheduleD/ExpensesSubtotalAmt0553186
IRS990ScheduleD/OtherExpensesIncludedAmt0428
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt0798
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0BOARD CHESED FUND
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt01579071
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt1183880
IRS990ScheduleD/OtherSecuritiesGrp/Desc0INVESTMENT FUNDS
IRS990ScheduleD/OtherSecuritiesGrp/Desc1ENDOWMENT FUND
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd0F
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd1F
IRS990ScheduleD/RevenueSubtotalAmt0622210
IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt0BOOK / TAX DEPRECIATION DIFFERENCE 428
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc0SCHEDULE D, PAGE 4, PART XII, LINE 2D
IRS990ScheduleD/TotalBookValueLandBuildingsAmt0428
IRS990ScheduleD/TotalBookValueSecuritiesAmt01762951

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

2023 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$3,218,630
Liabilities
$6,431
Net assets
$3,212,199
Revenue
$622,210
Expenses
$553,186
Net income
$69,024
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
2023Detailed filing. Detailed filing data is available for this year.$3.22$0.01$3.21$0.62$0.55$0.07
2022Facts available. Structured filing facts are available, but richer extracted sections are limited.$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