Civic Intelligence

Hebrew Gemilath Chasodim Association

EIN 34-0281800 • 501(c)3 • Cleveland, OH

View Organization Page

Profile

Lend money for worthy purposes, free of interest, to needy responsible persons who are unable to obtain a conventional loan.

1422 Euclid Ave Suite 400Cleveland, OH 44115

n/A

Siviq Scores

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

Liabilities / Assets

24th percentile

0.00x

Higher debt load relative to assets than 24% of similar nonprofits.

501(c)3 • $1M-$5M nonprofits • Source year 2024

Liabilities / Revenue

31st percentile

0.01x

Higher debt load relative to revenue than 31% of similar nonprofits.

501(c)3 • $1M-$5M nonprofits • Source year 2024

Net Margin

8th percentile

-43%

Higher net margin than 8% of similar nonprofits.

501(c)3 • $1M-$5M nonprofits • Source year 2024

Top Officer Pay

Score unavailable

No value available

No filing with officer rows is available for this organization yet.

Asset Growth

44th percentile

1.9%

Faster asset growth than 44% of similar nonprofits.

501(c)3 • $1M-$5M nonprofits • Annualized from 2022 to 2024

Revenue Growth

53rd percentile

8.8%

Faster revenue growth than 53% of similar nonprofits.

501(c)3 • $1M-$5M nonprofits • Annualized from 2022 to 2024

Balance Sheet
Liabilities / Assets24th percentile

Assets

Down

$3,152,920

Down $65,710 (-2.0%) from 2023

Liabilities

Up

$7,220

Up $789 (+12%) from 2023

Net Assets

Down

$3,145,700

Down $66,499 (-2.1%) from 2023

Operations
Liabilities / Revenue31st percentileNet Margin8th percentile

Revenue

Down

$536,642

Down $85,568 (-14%) from 2023

Expenses

Up

$766,986

Up $213,800 (+39%) from 2023

Net Income

Down

-$230,344

Down $299,368 (-434%) from 2023

Trend Graphs

Balance Sheet Trend

Asset Growth44th percentile

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

$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

2024

Assets$3,152,920
Liabilities$7,220
Net Assets$3,145,700
Open 2024 Filing

Operations Trend

Revenue Growth53rd percentile

Revenue, expenses, and net income by year, with the latest 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

2024

Revenue$536,642
Expenses$766,986
Net Income-$230,344
Open 2024 Filing

Filings

Most recent year

2024 • Form 990Facts available. Structured filing facts are available, but richer extracted sections are limited.

Open filing
Assets
$3,152,920
Liabilities
$7,220
Net assets
$3,145,700
Revenue
$536,642
Expenses
$766,986
Net income
-$230,344
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
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
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
Aug 1, 2025
Return Version
2024v5.0
Gross Receipts
$604,716
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-$1,558,637-
Other Notes and Loans Receivable, Net$1,127,214$1,289,119▲ $161,905
Cash and Non-Interest-Bearing Accounts$326,888$305,164▼ $21,724
Prepaid Expenses and Deferred Charges$1,149--
Land, Buildings, and Equipment, Net$428--
Total Assets$3,218,630$3,152,920▼ $65,710
Liabilities
Accounts Payable and Accrued Expenses$5,633$6,422▲ $789
Other Liabilities$798$798→ $0
Total Liabilities$6,431$7,220▲ $789
Net Assets / Fund Balance
Net Assets Without Donor Restrictions$2,527,199$2,450,700▼ $76,499
Net Assets With Donor Restrictions$685,000$695,000▲ $10,000
Total Net Assets Fund Balance$3,212,199$3,145,700▼ $66,499
Total Liabilities and Net Assets / Fund Balance$3,218,630$3,152,920▼ $65,710

Asset Categories

AssetBook ValueDepreciationBasis
Buildings-$18,486$18,486
Other Land Buildings-$18,486$18,486

Endowment Activity

PeriodBeginningContrib.Gain/LossOther UsesEnd
2020$183,824-▲ $24,535-$208,359
Compensation and Service Providers
Top Officer PayScore unavailable

Employees

NameTitleFull / Part TimeBaseTotal
Carrie MillerExecutive DiFT$90,000$90,000

Board Members and Trustees

NameTitle
Jonathan BrownPresident
Bruce FallickDirector
Emmanuel HiltonDirector
Eric ZellDirector
Margaret EigstiDirector
Marquettes RobinsonDirector
Melissa DegennaroDirector
Nan ZieleniecDirector
Nina HolzerDirector
Eric KastonPast 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
$474,549
Program Service Revenue
$0
Investment Income
$43,811
Other Revenue
$18,282
All Other Contributions
$474,549
Change in Net Assets
$-230,344
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$443,100
Salaries, Compensation, and Employee Benefits$323,886
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages$96,630$90,135-$186,765
Fees for Services Other$107,607$47,911-$155,518
Current Officers, Directors, Trustees, and Key Employees-$90,000-$90,000
Occupancy$9,344$17,353-$26,697
Payroll Taxes$7,411$13,762-$21,173
Pension Plan Contributions$4,900$9,100-$14,000
Office Expenses$4,215$7,881-$12,096
Other Employee Benefits$4,181$7,767-$11,948
Insurance$2,979$5,530-$8,509
Other Expenses$226,262$7,000-$7,000
Conferences and Meetings$1,434$2,664-$4,098
Information Technology$1,022$1,898-$2,920
Total Functional Expenses$465,985$301,001$0$766,986
Fundraising, Events, and Gaming
Fundraising activities
Yes
Gaming activities
No
Professional fundraiser used
No

Fundraising and Gaming Totals

Line ItemAmount
Fundraising Gross Income$86,356
Fundraising Direct Expenses$68,074
Professional Fundraising Fees$0

Fundraising Events

EventGross ReceiptsGross RevenueDirect ExpensesNet Income
2024 Events$86,356$86,356$68,074$18,282
Total Events$86,356$86,356$68,074$18,282
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
Backup withholding compliance
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
1422 EUCLID AVE SUITE 400, CLEVELAND, OH 44115
Doing Business As
Hebrew Free Loan Association

Signing Officer

Name
Jonathan Brown
Title
President
Phone
2163789047
Signed
2025-08-01
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Jonathan Brown
Formed
1904
Legal Domicile
Oh
Voting Board Members
19
Independent Board Members
19
Employees
8

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 9,310 17,290 0 consulting 3,815 7,085 0 development 34,199 0 0 background checks & fees 48,656 0 0 professional fees 11,627 21,593 0 bank fees & charges 0 1,943 0 total 107,607 47,911 0”

Form 990, Part XI, Line 9

“Book / tax depreciation difference -428”

Raw XML AppendixShowing 400 of 494 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
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IRS990/ActivityOrMissionDesc0TO 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/DescribedInSection501c3Ind0true
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IRS990/Form990PartVIISectionAGrp/TitleTxt4DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt5DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt6DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt7DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt8PAST PRESIDE
IRS990/Form990PartVIISectionAGrp/TitleTxt9VP LOAN POLI
IRS990/Form990PartVIISectionAGrp/TitleTxt10VP DEVELOPME
IRS990/Form990PartVIISectionAGrp/TitleTxt11TREASURER
IRS990/Form990PartVIISectionAGrp/TitleTxt12VP GOVERNANC
IRS990/Form990PartVIISectionAGrp/TitleTxt13DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt14VP IT
IRS990/Form990PartVIISectionAGrp/TitleTxt15SECRETARY
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IRS990ScheduleG/FundraisingEventInformationGrp/Event1Nm02024 EVENTS
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IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0PROVIDE SERVICES AND EXPERTISE IN LOAN REVIEW AND APPROVAL PROCESS
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1DONOR DEFINED LOAN PROGRAMS

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