Civic Intelligence

Hebrew Gemilath Chasodim Association

990 • Fiscal year 2018 • EIN 34-0281800

Jan 01, 2018 to Dec 31, 2018 • Filed on Jul 17, 2019

Organization ProfileWWW.INTERESTFREE.ORG

View Organization Page

23300 Chagrin Blvd Suite 204Beachwood, OH 44122

(216) 378-9047

Siviq Scores

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

Liabilities / Assets

28th percentile

0.01x

Higher debt load relative to assets than 28% of similar nonprofits.

2018 filings • 501(c)3 • $1M-$5M nonprofits • Source year 2018

Liabilities / Revenue

30th percentile

0.03x

Higher debt load relative to revenue than 30% of similar nonprofits.

2018 filings • 501(c)3 • $1M-$5M nonprofits • Source year 2018

Net Margin

90th percentile

45%

Higher net margin than 90% of similar nonprofits.

2018 filings • 501(c)3 • $1M-$5M nonprofits • Source year 2018

Top Officer Pay

54th percentile

$72,700

Higher top officer pay than 54% of similar nonprofits.

Top officer pay equals 10.0% of source-year revenue.

2018 filings • 501(c)3 • $1M-$5M nonprofits • Source year 2018

Asset Growth

82nd percentile

20%

Faster asset growth than 82% of similar nonprofits.

2018 filings • 501(c)3 • $1M-$5M nonprofits • Annualized from 2017 to 2018

Revenue Growth

88th percentile

52%

Faster revenue growth than 88% of similar nonprofits.

2018 filings • 501(c)3 • $1M-$5M nonprofits • Annualized from 2017 to 2018

Balance Sheet
Liabilities / Assets28th percentile

Assets

Up

$1,633,513

Up $276,113 (+20%) from 2017

Net Assets

Up

$1,612,742

Up $274,669 (+21%) from 2017

Liabilities

Up

$20,771

Up $1,444 (+7.5%) from 2017

Revenue And Expenses
Liabilities / Revenue30th percentileNet Margin90th percentile

Revenue

Up

$725,107

Up $247,475 (+52%) from 2017

Expenses

Up

$396,850

Up $136,139 (+52%) from 2017

Net Income

Up

$328,257

Up $111,336 (+51%) from 2017

Historical Trend

Balance Sheet Trend

Asset Growth82nd 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

2018

Assets$1,633,513
Liabilities$20,771
Net Assets$1,612,742
Open 2018 Filing

Operations Trend

Revenue Growth88th 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

2018

Revenue$725,107
Expenses$396,850
Net Income$328,257
Open 2018 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2018 to Dec 31, 2018
Signed
Jul 17, 2019
Return Version
2018v3.1
Gross Receipts
$772,845
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
Other Notes and Loans Receivable, Net$726,709$791,401▲ $64,692
Investments Other Securities$396,118$564,934▲ $168,816
Cash and Non-Interest-Bearing Accounts$168,753$212,916▲ $44,163
Pledges and Grants Receivable$59,100$59,100→ $0
Land, Buildings, and Equipment, Net$2,995$2,567▼ $428
Receivable From Disqualified Prsn$3,725$2,100▼ $1,625
Prepaid Expenses and Deferred Charges-$495-
Total Assets$1,357,400$1,633,513▲ $276,113
Liabilities
Deferred Revenue$17,681$11,105▼ $6,576
Escrow Account Liability-$5,555-
Accounts Payable and Accrued Expenses$1,646$4,111▲ $2,465
Total Liabilities$19,327$20,771▲ $1,444
Net Assets / Fund Balance
Unrestricted Net Assets$1,265,073$1,612,742▲ $347,669
Temporarily Rstr Net Assets$73,000--
Total Net Assets Fund Balance$1,338,073$1,612,742▲ $274,669
Total Liabilities and Net Assets / Fund Balance$1,357,400$1,633,513▲ $276,113

Asset Categories

AssetBook ValueDepreciationBasis
Equipment$2,567$15,919$18,486
Other Securities$155,528--

Endowment Activity

PeriodBeginningContrib.Gain/LossOther UsesEnd
2018$170,131-▼ $14,603-$155,528
2017$143,302-▲ $26,829-$170,131
2016$132,913-▲ $10,389-$143,302
2015$135,578-▼ $2,665-$132,913
2014$130,916-▲ $4,662-$135,578
Compensation and Service Providers
Top Officer Pay54th percentile

Employees

NameTitleFull / Part TimeBaseTotal
Michal MarcusExecutive DiFT$72,700$72,700

Board Members and Trustees

NameTitle
Laura KleinmanPresident
Brian RosenfeltDirector
Carrie MillerDirector
Christine WeissDirector
Dara Weinerman SteinbergDirector
Debbie ShawDirector
Debby RosenthalDirector
Eric KastonDirector
Francine GoldbergDirector
Lorie GelbDirector
Scott LewisDirector
Zeev FreidmanDirector
David EdelmanPast Preside
Lisa Arlyn LowePast Preside
Marla PettiTreasurer
Roz QuartoVP Loan
Bruce FallickVP Loans
Revenue and Support

Revenue Composition

Contributions and Grants
$648,287
Program Service Revenue
$0
Investment Income
$7,496
Other Revenue
$69,324
All Other Contributions
$607,187
Change in Net Assets
$328,257
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$214,262
Other Expenses$182,588
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages$80,525$26,842-$107,367
Current Officers, Directors, Trustees, and Key Employees$54,525$18,175-$72,700
Advertising$49,886$16,629-$66,515
Other Expenses$45,210--$45,210
Fees for Services Other$20,269$3,144-$23,413
Payroll Taxes$10,813$3,604-$14,417
Pension Plan Contributions$9,745$3,248-$12,993
Office Expenses$9,162$3,055-$12,217
Fees for Services Legal$6,785$2,262-$9,047
Conferences and Meetings$5,842$1,948-$7,790
Occupancy$5,625$1,875-$7,500
Other Employee Benefits$5,089$1,696-$6,785
Travel$3,094$1,032-$4,126
Information Technology$2,492$831-$3,323
Insurance$2,265$755-$3,020
Depreciation Depletion$320$107-$427
Total Functional Expenses$311,647$85,203$0$396,850
Fundraising, Events, and Gaming
Fundraising activities
Yes
Gaming activities
No
Professional fundraiser used
No

Fundraising and Gaming Totals

Line ItemAmount
Fundraising Gross Income$117,062
Fundraising Direct Expenses$47,738
Professional Fundraising Fees$0

Fundraising Events

EventGross ReceiptsGross RevenueDirect ExpensesNet Income
Party 114$158,162$117,062-$117,062
Total Events$158,162$117,062$47,738$69,324
Political and Lobbying Activity
Political campaign activity
No
Lobbying activity
No
Subject to proxy tax
No
Insider Transactions and Loans

Loans and Receivables

Line ItemBeginningEndChange
Receivables from Disqualified Persons$3,725$2,100▼ $1,625
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
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
Hebrew Gemilath Chasodim
EIN
34-0281800
Phone
2163789047
Address
23300 CHAGRIN BLVD SUITE 204, BEACHWOOD, OH 44122
Doing Business As
Hebrew Free Loan Association

Signing Officer

Name
Laura Kleinman
Title
President
Phone
2163789047
Signed
2019-07-17
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Michal Marcus
Formed
1904
Legal Domicile
Oh
Voting Board Members
18
Independent Board Members
18
Employees
4

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”

Raw XML AppendixShowing 400 of 532 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/TitleTxt3DIRECTOR
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Document Assets

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Filings

Displayed year

2018 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$1,633,513
Liabilities
$20,771
Net assets
$1,612,742
Revenue
$725,107
Expenses
$396,850
Net income
$328,257
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
2018Detailed filing. Detailed filing data is available for this year.$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