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
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.