Tucson Jewish Free Loan

Legal name: Hebrew Free Loan Association of Tucson Inc

Nonprofit profile at a glance

EIN
866052407
IRS 990 coverage
2017–2025
Official website data refreshed
Sep 2026
Forms available
Form 990 2025, Form 990-EZ 2011, Form 990-N 2016
Location
Tucson, AZ, USA
Phone
5202975360
Rating
82
Verdict
STRONG
Rating confidence
Moderate
Affiliation
Judaism

Official website

Reported finances

Revenue
$162,566
Expenses
$132,372
Assets
$815,474
Liabilities
$0

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

Leadership & pay

9 people listed

Executive titles in this filing

  • KATHERINE L FILOUS (PRESIDENT)
  • KERRY-LEE MOSS (EXECUTIVE DIRECTOR)
  • MICHELLE BLUMENBERG (INTERIM EXECUTIVE DIRECTOR)

Highest reported compensation

  • MICHELLE BLUMENBERG (INTERIM EXECUTIVE DIRECTOR): $37,500 total reported compensation
  • KERRY-LEE MOSS (EXECUTIVE DIRECTOR): $30,058 total reported compensation

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

Overview

Mission

Tucson Jewish Free Loan helps people “help themselves” by providing interest-free financial assistance (including support for medical bills, rent and utilities, and high-interest loans such as title loans and credit card debt) to applicants who meet established criteria—treated confidentially with loving kindness to preserve self-respect and dignity.

What it reported doing in 2025

The hebrew free loan association of tucson dba tucson jewish free loan is a non-profit corporation that has served the interest and needs of people of all faiths in our community since 1947. Tucson jewish free loan has become a lifeline for those facing financial challenges in our community.

Operating model

Revenue model
Mixed. Its operating money came from several sources; no one source provided a clear majority.
Distribution model
Direct operator. The filing allocates 96% of reported program-service expenses outside its grant, affiliate-payment, and member-benefit lines. This expense classification does not rule out separately announced grant awards.

The verdict

STRONG - The filed numbers largely add up and a large share of available resources goes toward mission work. Fundraising costs are high for each dollar raised and some filing-based governance responses are negative or unanswered.

Rating breakdown

  • Financial Efficiency: 69
  • Transparency & Controls: 92
  • Accountability: 90
  • Sustainability: 66
  • Growth: 100

Detailed rating inputs

Financial Efficiency

  • Mission deployment rate: 73.3%; rating input score 73
  • Program expense ratio: 72.2%; rating input score 72
  • Fundraising efficiency: $11.74 raised per $1 spent on fundraising; rating input score 41; 41st percentile among comparable filings

Transparency & Controls

  • Consistency checks: 100%; rating input score 100; 64th percentile among comparable filings
  • Pay-setting controls: Limited
  • Foreign activity oversight: Limited
  • Grant itemization coverage: Limited
  • Major donor itemization: Yes; rating input score 100
  • Related-party transparency: Limited

Accountability

  • Independent voting board: 100%; rating input score 100; 64th percentile among comparable filings
  • Governance controls: 6 of 8 controls in place; rating input score 75
    • Conflict-of-interest policy: Pass
    • Whistleblower policy: Pass
    • Document-retention policy: Pass
    • CEO compensation review process: Pass
    • 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: 18.6%; rating input score 69; 69th percentile among comparable filings
  • Total-asset coverage ratio: 6.16; rating input score 83; 83rd percentile among comparable filings
  • Liabilities to assets ratio: 0; rating input score 77; 77th percentile among comparable filings
  • Officer compensation ratio: 51%; rating input score 3; 3rd percentile among comparable filings

Growth

  • Program expense growth: 15% per year; rating input score 100; 77th percentile among comparable filings
  • Revenue growth: 9.3% per year; rating input score 100; 67th percentile among comparable filings
  • Asset growth: 4.3% per year; rating input score 100; 41st percentile among comparable filings

Details

  • What they do: 1 programs and campaigns described on the official site · 1 operating location identified
  • Where the money goes: 73.3% of revenue deployed · 72.2% of spending went to programs
  • Governance: 6 of 6 board members independent · 6 of 8 filing controls reported
  • Programs: 1 filed program accomplishment · $96K in reported program spending
  • Leadership: top reported pay $38K · 9 people listed
  • Consistency: 24 of 24 current checks pass
  • Schedules: 4 filed schedules · includes major donors
  • Filing history: 9 filing years from 2017 to 2025
  • Contacts: How to reach this organization
  • Money network: 3 filed money-flow records
  • Related organizations: Filed and resolved organization relationships.
  • 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.

  • Moderate — Financial Efficiency: Fundraising efficiency scored 41/100.
  • Review — Accountability: Governance controls: Independent financial-statement audit not reported.
  • High — Sustainability: Officer compensation ratio scored 3/100.