Hebrew Free Loan Society of Greater Philadelphia

Nonprofit profile at a glance

EIN
232328233
IRS 990 coverage
2017–2025
Official website data refreshed
Sep 2026
Forms available
Form 990 2025, Form 990-N 2016
Location
Wynnewood, PA, USA
Phone
267-709-9652
Rating
67
Verdict
SUPPORTED
Rating confidence
Moderate
Affiliation
Judaism

Official website

Reported finances

Revenue
$642,318
Expenses
$249,310
Assets
$1,597,386
Liabilities
$3,819

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

Leadership & pay

17 people listed

Executive titles in this filing

  • BARA LEVITT (VICE PRESIDENT)
  • HAROLD F MARCUS (PRESIDENT)
  • AMY KRULIK (PAST PRESIDENT)
  • ANNA MARX (EXECUTIVE DIRECTOR)

Highest reported compensation

  • ANNA MARX (EXECUTIVE DIRECTOR): $86,546 total reported compensation

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

Overview

Mission

Provide everyone in our Jewish community and beyond access to the financial support they need. Our Mission Hebrew Free Loan Society of Greater Philadelphia empowers individuals in the Jewish community and beyond to navigate financial challenges with dignity by providing interest-free loans. Our Vision Provide everyone in our Jewish community and beyond access to the financial support they need. Our Mission. Hebrew Free Loan Society of Greater Philadelphia is proud to provide interest-free loans to Jewish individuals and to individuals serving the local Jewish community, in Philadelphia and its neighboring Pennsylvania and New Jersey Counties. Together, we are all forging a path toward even greater impact. Are you inspired by the stories below? Please consider supporting our mission to enable us to create even more interest-free loans for our community! WAYS TO GIVE.

What it reported doing in 2025

In 2025, hebrew free loan society of greater philadelphia disbursed $863,500 to 119 individuals in our service area. We serviced an additional 294 loans from previous years. Of the full loan portfolio, 348 were our "traditional loans" - loans up to $7,500 to members of the jewish community, 20 were for individuals that were not jewish, 4 were for survivors of domestic violence, 3 were for adoption expenses, 16 were for fertility treatment expenses, and 22 were for small local businesses.

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.
  • Includes noncash contributions: Reported contributions include donated property or goods.

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: 41
  • Transparency & Controls: 92
  • Accountability: 90
  • Sustainability: 78
  • Growth: 20

Detailed rating inputs

Financial Efficiency

  • Mission deployment rate: 25.1%; rating input score 25
  • Program expense ratio: 61.2%; rating input score 61
  • Fundraising efficiency: $22.35 raised per $1 spent on fundraising; rating input score 58; 58th 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: 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: Fail
    • Independent financial-statement audit: Fail

Sustainability

  • Operating margin: 61.2%; rating input score 93; 93rd percentile among comparable filings
  • Total-asset coverage ratio: 6.41; rating input score 87; 87th percentile among comparable filings
  • Liabilities to assets ratio: 0; rating input score 69; 69th percentile among comparable filings
  • Officer compensation ratio: 34.7%; rating input score 5; 5th percentile among comparable filings

Growth

  • Program expense growth: -18.2% per year; rating input score 0; 3rd percentile among comparable filings
  • Revenue growth: -1.6% per year; rating input score 0; 7th percentile among comparable filings
  • Asset growth: 11% per year; rating input score 100; 58th percentile among comparable filings

Details

  • What they do: 4 programs and campaigns described on the official site
  • Where the money goes: 25.1% of revenue deployed · 61.2% of spending went to programs
  • Governance: 16 of 16 board members independent · 6 of 8 filing controls reported
  • Programs: 1 filed program accomplishment · $152K in reported program spending
  • Leadership: top reported pay $87K · 17 people listed
  • Consistency: 25 of 25 current checks pass
  • Schedules: 5 filed schedules · includes major donors
  • Filing history: 8 filing years from 2017 to 2025
  • Contacts: How to reach this organization
  • Money network: 1 filed money-flow record
  • 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.

  • High — Financial Efficiency: Mission deployment rate scored 25/100.
  • Review — Accountability: Governance controls: 2 of 8 not reported.
  • High — Growth: Program expense growth scored 0/100.
  • High — Growth: Revenue growth scored 0/100.
  • Review — Financial Efficiency: Fundraising efficiency scored 58/100.
  • High — Sustainability: Officer compensation ratio scored 5/100.