Chesed L'yehoshua Inc

Nonprofit profile at a glance

EIN
474317438
IRS 990 coverage
2018–2025
Forms available
Form 990 2025
Location
Flushing, NY, USA
Phone
9179926407
Rating
42
Verdict
MIXED
Rating confidence
Moderate
Sector
Emergency Assistance

Reported finances

Revenue
$52,000
Expenses
$3,257
Assets
$307,008
Liabilities
$30,000

Source: IRS Form 990. Selected filing: tax year 2025. Amounts in USD.

Leadership & pay

5 people listed

Executive titles in this filing

  • JOEL SHAFRAN (PRESIDENT)
  • BERNARD SHAFRAN (CO PRESIDENT)
  • ASHER SHAFRAN (1ST VICE PRESIDENT)
  • BARRY PERL (2ND VICE PRESIDENT)

People named in this filing

  • JOEL SHAFRAN (PRESIDENT)
  • BERNARD SHAFRAN (CO PRESIDENT)
  • ASHER SHAFRAN (1ST VICE PRESIDENT)

Selected names, not a complete roster or a statement of current roles. Open leadership details for the complete filed list.

Source: IRS Form 990. Selected filing: tax year 2025. Names and roles reflect this filing, not necessarily current officeholders.

Overview

Mission

To provide interest free loans to needy families and individuals

What it reported doing in 2025

To provide interest free loans and grants to needy families and individuals.

Operating model

Revenue model
Donor-supported. 100% of the money available for current operations came from contributions and gifts.
Distribution model
Grant intermediary. The nonprofit sent 84% of its reported program spending out as grants.

The verdict

MIXED - The filed numbers largely add up and revenue comfortably covers expenses. A relatively small share of available resources goes toward mission work and some filing-based governance responses are negative or unanswered.

Rating breakdown

  • Financial Efficiency: 37
  • Transparency & Controls: 64
  • Accountability: 12
  • Sustainability: 83
  • Growth: 20

Detailed rating inputs

Financial Efficiency

  • Mission deployment rate: 6.3%; rating input score 6
  • Program expense ratio: 100%; rating input score 100
  • Fundraising efficiency: Limited

Transparency & Controls

  • Consistency checks: 91.7%; rating input score 92; 22nd percentile among comparable filings
  • Pay-setting controls: Limited
  • Foreign activity oversight: Limited
  • Grant itemization coverage: 0%; rating input score 0; 23rd percentile among comparable filings
  • Major donor itemization: Yes; rating input score 100
  • Related-party transparency: Limited

Accountability

  • Independent voting board: Limited
  • Governance controls: 2 of 7 controls in place; rating input score 29
    • Conflict-of-interest policy: Fail
    • Whistleblower policy: Fail
    • Document-retention policy: Fail
    • CEO compensation review process: NotApplicable
    • Other executive compensation review process: NotApplicable
    • Form 990 shared with the board: Pass
    • Board meeting minutes documented: Pass
    • Audit committee oversight: Missing
    • Independent financial-statement audit: Fail

Sustainability

  • Operating margin: 93.7%; rating input score 99; 99th percentile among comparable filings
  • Total-asset coverage ratio: 94.26; rating input score 96; 96th percentile among comparable filings
  • Liabilities to assets ratio: 0.1; rating input score 14; 14th percentile among comparable filings
  • Officer compensation ratio: 0%; rating input score 58; 58th percentile among comparable filings

Growth

  • Program expense growth: -8.9% per year; rating input score 0; 29th percentile among comparable filings
  • Revenue growth: -0.4% per year; rating input score 0; 55th percentile among comparable filings
  • Asset growth: 7.1% per year; rating input score 100; 70th percentile among comparable filings

Details

  • Where the money goes: 6.3% of revenue deployed · 100% of spending went to programs
  • Governance: 2 of 7 filing controls reported
  • Programs: 1 filed program accomplishment · $3K in reported program spending
  • Leadership: top reported pay $0 · 5 people listed
  • Consistency: 13 of 14 current checks pass · 1 finding to review
  • Schedules: 5 filed schedules · includes major donors and grants
  • Filing history: 8 filing years from 2018 to 2025
  • Contacts: How to reach this organization
  • Grant readiness: Federal tax and exclusion status, award history, and grant-maker relationships.
  • People: Everyone the filings name, and which of them the filings identify by more than a name.

Key Signals

Signals prioritize questions for review. They are not findings of misconduct.

  • High — Financial Efficiency: Mission deployment rate scored 6/100.
  • High — Accountability: Governance controls: 4 of 6 not reported.
  • High — Transparency & Controls: Grant itemization coverage scored 0/100.
  • High — Growth: Program expense growth scored 0/100.
  • High — Growth: Revenue growth scored 0/100.
  • Review — Transparency & Controls: Domestic grant itemization did not reconcile in the filed values.
  • High — Sustainability: Liabilities to assets ratio scored 14/100.
  • Review — Sustainability: Officer compensation ratio scored 58/100.