HEBREW FREE LOAN ASSOCIATION OF SAN FRANCISCO Charity Report

Public IRS 990 nonprofit record

HEBREW FREE LOAN ASSOCIATION OF SAN FRANCISCO

EIN 94-1156545 · Public & Societal Benefit (W600)

What they do

to AID WORTHY JEWISH PEOPLE to BE and REMAIN SELF-SUPPORTING and SELF-RESPECTING PERSONS BY AID of LOANS, GRANTS and SUCH SERVICES AS THE INDIVIDUAL MAY REQUIRE. SUCH LOANS, GRANTS and SERVICES SHALL BE RENDERED WITHOUT INTEREST or OTHER CHARGES. LOANS ARE GIVEN for EMERGENCIES, PERSONAL FINANCIAL CHALLENGES, TUITION and OTHER EDUCATIONAL-RELATED COSTS, FIRST TIME HOME PURCHASES, DEBT CONSOLIDATION, STARTING or EXPANDING A SMALL BUSINESS, ADOPTION, HEALTH CARE, and ASSISTING THOSE WHO HAVE BECOME UNEMPLOYED. LOANS ARE ALSO PROVIDED to SYNAGOGUES and OTHER JEWISH ORGANIZATIONS.

Before you give

Should I give to this charity?

Easy charity check

Look at where the money went

Of every $100 spent, about $66.00 was reported for mission work. Use the spending picture below and ask what results that work produced.

Plain answer: A tax form cannot prove that a charity is doing good. It can show how the charity says it spent its money—and point out questions you should ask.

Basic facts we verified

IRS warning checkNo IRS revocation warning appears in this data.

Money report from 2024The charity has a recent tax report to read.

They explain their jobThe charity tells us what it is trying to do.

They name their leaders32 people are listed in the latest report.

You can reach themThey list contact information, so you can ask questions.

Money made simple

57.49%of revenue went to mission work66.0% of expenses · Program services

19.82%of revenue went to fundraising22.8% of expenses

$87.09spent for every $100 of revenueRevenue covered expenses this year.

9.78%of revenue went to management and office costs11.2% of expenses

$9.29in assets for every $1 spent this yearSome assets cannot be spent right away.

99.1%of its money came from giftsOther money may come from services or investments.

Ask these three easy questions

Who did you help? Ask for a recent story or report that shows real results.
What will my money do? Ask exactly what your gift will pay for.
Is this really the charity? Give only through its official website or confirmed phone number.

Pay context: The highest compensation shown in this filing is $319,261 for CYNTHIA ROGOWAY (EXECUTIVE DIRECTOR). Compare pay with organizations of similar size and complexity.

Bottom line: Do not decide from a name, mission statement, or tax status alone. Look at where the money went, then ask what changed, who was helped, and what your gift will do. YouCanGiveBack does not endorse or grade organizations.

Money

Financial picture

Tax year 2024

A plain-language look at the latest Form 990 figures available. These numbers help you ask better questions; they do not, by themselves, rate whether a charity is good or bad.

$100revenue

How each $100 of revenue was used

The large number compares each expense with revenue. The smaller number shows its share of total expenses.

Total reported revenue$3,389,390

Mission workProgram services$1,948,64357.49% of revenue66.0% of expenses

ManagementOffice and general costs$331,4669.78% of revenue11.2% of expenses

FundraisingAsking for donations$671,71819.82% of revenue22.8% of expenses

Revenue left after expensesReported annual surplus$437,56312.91% of revenueShown in gray on the chart

Total expenses$2,951,82787.09% of revenue

Gray means reported revenue left after expenses for this filing year. It does not necessarily mean cash sitting in a bank account.

Has the pattern changed?

Colored bars = expense mix: how each year’s expenses were divided. Total expenses vs. revenue shows whether the charity spent less or more than it received. The current filing is first.

YearExpense mixDetails

2024CurrentExpense mix: 66.0% mission · 11.2% management · 22.8% fundraisingTotal expenses: 87.09% of revenue

2023Expense mix: 65.4% mission · 11.5% management · 23.1% fundraisingTotal expenses: 75.64% of revenue

2022Expense mix: 59.1% mission · 13.4% management · 27.5% fundraisingTotal expenses: 82.23% of revenue

2021Expense mix: 56.3% mission · 14.1% management · 29.7% fundraisingTotal expenses: 45.73% of revenue

2020Expense mix: 49.4% mission · 21.4% management · 29.2% fundraisingTotal expenses: 96.69% of revenue

2019Expense mix: 51.5% mission · 14.5% management · 34.1% fundraisingTotal expenses: 40.81% of revenue

2018Expense mix: 49.0% mission · 16.9% management · 34.1% fundraisingTotal expenses: 76.90% of revenue

2017Expense mix: 48.3% mission · 12.7% management · 39.0% fundraisingTotal expenses: 55.94% of revenue

Money in and money out

Revenue$3,389,390

Expenses$2,951,827

Annual surplus $437,563 Revenue was higher than expenses for this filing year.

Reported spending amounts

Mission work means the Form 990 category called program services. These are reported accounting categories—not an independent measurement of results.

Mission work (program services)$1,948,643 · 66.0% of expenses

Management and office costs$331,466 · 11.2% of expenses

Fundraising$671,718 · 22.8% of expenses

See all reported dollar amounts

Revenue$3,389,390

Expenses$2,951,827

Assets$27,433,565

Income$3,426,291

Contributions$3,358,994

Mission work (program services)$1,948,643

Fundraising$671,718

Grants given$56,000

Average grant$28,000

Management and general$331,466

Executive compensation (total)$369,774

Stocks and bonds$4,410,430

Accounting fees$37,461

Investing fees$23,623

People

Leadership and board

Tax year 2024

Names, titles, time, and compensation below are reported by the organization on its Form 990.

People reported as paid

Person and titleCompensation

CYNTHIA ROGOWAYEXECUTIVE DIRECTOR · 60 hrs/week $319,261Base $274,135 · Other $45,126

JAMIE HYAMSDEVELOPMENT DIRECTOR · 40 hrs/week $196,632Base $157,372 · Other $39,260

MENILEK MEKBEBFINANCE DIRECTOR · 40 hrs/week $179,182Base $143,287 · Other $35,895

JAMES MASSARADIRECTOR OF DATA SOLUTIONS · 40 hrs/week $174,041Base $149,546 · Other $24,495

TERESA LOWEASSISTANT DIRECTOR · 40 hrs/week $150,725Base $128,419 · Other $22,306

MARINA LEVYASSISTANT DIRECTOR · 40 hrs/week $147,174Base $126,674 · Other $20,500

GREGORY ZALEMARKETING DIRECTOR · 40 hrs/week $134,841Base $117,627 · Other $17,214

Compensation alone does not tell whether pay is reasonable. Consider the charity’s size, work, location, and results.

See everyone listed on the board or leadership roster (32)

CYNTHIA ROGOWAYEXECUTIVE DIRECTOR

JAMIE HYAMSDEVELOPMENT DIRECTOR

MENILEK MEKBEBFINANCE DIRECTOR

JAMES MASSARADIRECTOR OF DATA SOLUTIONS

TERESA LOWEASSISTANT DIRECTOR

MARINA LEVYASSISTANT DIRECTOR

GREGORY ZALEMARKETING DIRECTOR

MAUREEN HOLTBOARD PRESIDENT

MADELINE CHALEFF1ST VICE PRESIDENT

MICHAEL RAPAPORTTREASURER

PAUL ORBUCHAD-HOC EXECUTIVE COMM. MEM

PAUL RATNERBOARD MEMBER

RABBI STEVEN CHESTERBOARD MEMBER

ROMAN POLNAR2ND VICE PRESIDENT

RONNA STONEBOARD MEMBER

RYAN CHERNISBOARD MEMBER

SABINA POLNARBOARD MEMBER

SHARON GOLDSTEINBOARD MEMBER

STEPHEN DOBROWBOARD MEMBER

MARK GOLDMANBOARD MEMBER

ADAM WISKINDBOARD MEMBER

JOSHUA RUTBERGBOARD MEMBER

JESSICA TARANBOARD MEMBER

ILYA VINOGRADSKYBOARD MEMBER

GREGG RUBENSTEINIMM. PAST PRESIDENT

GAYLE STARRBOARD MEMBER

ERIC TOIZERBOARD MEMBER

ELYSSE STACKHOUSEBOARD MEMBER

ELYSE KAYEBOARD MEMBER

DAVID LEVINEBOARD MEMBER

DAVID KIFERBAUMASST. SECRETARY

CHRIS KAROWBOARD MEMBER

About this charity

Recognized since: January 1935
Location: 131 STEUART ST STE 520, SAN FRANCISCO, CA 94105-1240
County: City and County of San Francisco
In care of: CINDY ROGOWAY
Primary officer: CINDY ROGOWAY, EXECUTIVE DIRECTOR

How to reach them

WebsiteVisit the charity’s website Phone(415) 546-9902

Filing and classification

Latest tax year: 2024
Tax period began: July 1, 2024
Return type: 990
Tax preparer: GILBERT CPAS
NTEE classification: Public & Societal Benefit (W600)
Grant-giving organization: Yes