Hebrew Free Loan of San Diego

Nonprofit profile at a glance

EIN
852055131
IRS 990 coverage
2020–2025
Official website data refreshed
Jun 2026
Forms available
Form 990 2025
Location
La Jolla, CA, United States
Phone
(858) 345-8018
Rating
76
Verdict
SUPPORTED
Rating confidence
Moderate
Affiliation
Judaism

Official website

Reported finances

Revenue
$920,062
Expenses
$308,424
Assets
$2,736,392
Liabilities
$8,614

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

Leadership & pay

15 people listed

Executive titles in this filing

  • GRAEME GABRIEL (PRESIDENT)
  • MINDI FRANKEL (EXECUTIVE DIRECTOR)

Highest reported compensation

  • MINDI FRANKEL (EXECUTIVE DIRECTOR): $120,000 total reported compensation

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

Overview

Mission

To aid and empower members of the San Diego Jewish community to help themselves by providing affordable interest-free loans in accordance with core Jewish values of dignity, respect, compassion, and confidentiality. Israel Emergency Loan Program To provide a “hand up” during the Middle East conflict, HFLSD is offering an **Interest-Free Israel Emergency Loan Program** to San Diego Jewish community members. These loans are designed to provide immediate relief for urgent needs—safeguarding your financial well-being so you can focus on what matters most: the safety of your loved ones and the resilience of our community. Support is available now if you may need to send financial assistance to loved ones in Israel who may be struggling to meet their basic needs during this time. Loans are up to $5,000 and can be turned around within days. Standard application requirements apply to this...

What it reported doing in 2025

Hebrew free loan of san diego is continuing in its growth phase. We continue to focus on outreach and raising awareness throughout san diego county, assisting potential borrowers on their path to financial security, and continuing our fundraising efforts. 2025 showed a 25% growth in loan inquiries and a 31% increase in loan recipients. We remain at a 0% loan loss and are proud that our loan repayments create a cycle of impact, where each repayment kindles hope, nurtures new beginnings, and unlocks possibilities.

Operating model

Revenue model
Donor-supported. 96% of the money available for current operations came from contributions and gifts.
Distribution model
Direct operator. The filing allocates 100% 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

SUPPORTED - The filed numbers largely add up and most voting board members are independent. 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: 50
  • Transparency & Controls: 92
  • Accountability: 95
  • Sustainability: 79
  • Growth: 100

Detailed rating inputs

Financial Efficiency

  • Mission deployment rate: 29.4%; rating input score 29
  • Program expense ratio: 79.6%; rating input score 80
  • Fundraising efficiency: $26.2 raised per $1 spent on fundraising; rating input score 62; 62nd percentile among comparable filings

Transparency & Controls

  • Consistency checks: 100%; rating input score 100; 63rd 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: 7 of 8 controls in place; rating input score 88
    • 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: Pass
    • Independent financial-statement audit: Fail

Sustainability

  • Operating margin: 66.5%; rating input score 94; 94th percentile among comparable filings
  • Total-asset coverage ratio: 8.87; rating input score 91; 91st percentile among comparable filings
  • Liabilities to assets ratio: 0; rating input score 68; 68th percentile among comparable filings
  • Officer compensation ratio: 38.9%; rating input score 4; 4th percentile among comparable filings

Growth

  • Program expense growth: 30% per year; rating input score 100; 88th percentile among comparable filings
  • Revenue growth: 15.6% per year; rating input score 100; 75th percentile among comparable filings
  • Asset growth: 31% per year; rating input score 100; 90th percentile among comparable filings

Details

  • What they do: 2 programs and campaigns described on the official site · 1 operating location identified
  • Where the money goes: 29.4% of revenue deployed · 79.6% of spending went to programs
  • Governance: 14 of 14 board members independent · 7 of 8 filing controls reported
  • Programs: 1 filed program accomplishment · $246K in reported program spending
  • Leadership: top reported pay $120K · 15 people listed
  • Consistency: 23 of 23 current checks pass
  • Schedules: 4 filed schedules · includes major donors
  • Filing history: 6 filing years from 2020 to 2025
  • Contacts: How to reach this organization
  • Money network: 1 filed money-flow record
  • 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 29/100.
  • Review — Accountability: Governance controls: Independent financial-statement audit not reported.
  • High — Sustainability: Officer compensation ratio scored 4/100.