2025-08-07T12:31:07-05:00 2024-12-31 923320348 EAG GULF COAST LLC ONE GALLERIA BLVD STE 2100 METAIRIE LA 70001 990 2024-01-01 852055131 HEBREW FREE LOAN OF SAN DIEGO HEBR 8583458018 9404 GENESEE AVE 200 LA JOLLA CA 92037 GRAEME GABRIEL PRESIDENT 8583458018 2025-07-31 1 1 GINA RACHEL P01216293 5048375990 2024 2025-03-06 01:10:19Z GRAEME GABRIEL 9404 GENESEE AVE 200 LA JOLLA CA 92037 885575 0 X WWW.HFLSD.ORG X 2020 CA HEBREW FREE LOAN OF SAN DIEGO FOSTERS FINANCIAL STABILITY AND OPPORTUNITY AMONG THE JEWISH COMMUNITY OF SAN DIEGO COUNTY BY PROVIDING ACCESS TO AFFORDABLE INTEREST FREE LOANS WITH JEWISH VALUES OF COMPASSION, KINDNESS, AND FLEXIBILITY. LOANS WILL BE PROVIDED FOR EMERGENCY NEEDS, SMALL BUSINESS DEVELOPMENT AND EDUCATION. 14 14 4 20 0 0 686023 630058 0 0 21118 41620 0 0 707141 671678 0 0 0 0 196828 211800 0 0 29407 47175 49916 244003 261716 463138 409962 1520933 2028564 57430 9500 1463503 2019064 X HEBREW FREE LOAN OF SAN DIEGO FOSTERS FINANCIAL STABILITY AND OPPORTUNITY AMONG THE JEWISH COMMUNITY OF SAN DIEGO COUNTY BY PROVIDING ACCESS TO AFFORDABLE INTEREST FREE LOANS WITH JEWISH VALUES OF COMPASSION, KINDNESS, AND FLEXIBILITY. LOANS WILL BE PROVIDED FOR EMERGENCY NEEDS, SMALL BUSINESS DEVELOPMENT, AND EDUCATION. 0 0 208383 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. 2024 SHOWED A 10% GROWTH IN LOAN INQUIRIES AND A 7% 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. 208383 1 1 0 0 0 0 0 0 0 0 0 0 0 0 1 1 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 1 0 0 1 4 1 0 0 0 0 0 0 0 0 0 0 0 0 X 14 14 1 0 0 0 0 0 0 1 1 0 0 1 1 1 1 1 1 1 1 0 CA X X MINDI FRANKEL 8583458018 9404 GENESEE AVE 200 LA JOLLA CA 92037 BEN ARNOLD DIRECTOR 1.00 X 0 0 0 MITCHELL DUBICK DIRECTOR 1.00 X 0 0 0 LEO EISENBERG DIRECTOR 1.00 X 0 0 0 LEONARD GREGORY DIRECTOR 1.00 X 0 0 0 KAY GURTIN DIRECTOR 1.00 X 0 0 0 TANYA HACKEL DIRECTOR 1.00 X 0 0 0 HILARY ISAKOW DIRECTOR 1.00 X 0 0 0 SELWYN ISAKOW DIRECTOR 1.00 X 0 0 0 MIRIAM NORTEN DIRECTOR 1.00 X 0 0 0 CHARLENE SEIDLE DIRECTOR 1.00 X 0 0 0 LAWRENCE SHERMAN DIRECTOR 1.00 X 0 0 0 GRAEME GABRIEL PRESIDENT 3.00 X X 0 0 0 RICK VANN TREASURER 1.00 X X 0 0 0 LESLEY DAVIS SECRETARY 1.00 X X 0 0 0 MINDI FRANKEL EXECUTIVE DIRECTOR 40.00 X 114708 0 0 114708 0 0 1 0 0 0 0 630058 630058 34631 34631 220886 213897 6989 6989 6989 671678 0 0 41620 114709 91767 11471 11471 81035 69632 4287 7116 16056 13238 1293 1525 1890 945 189 756 5518 5518 1614 1453 161 14512 10884 3628 19792 15348 907 3537 2609 2087 261 261 OUTREACH 2310 1358 952 PROVISION-CREDIT LOSSES 1671 1671 261716 208383 23926 29407 776077 226241 0 52118 90932 0 169413 666567 197341 1083638 287170 0 1520933 2028564 14500 0 4000 42930 5500 57430 9500 X 1463503 1863872 155192 1463503 2019064 1520933 2028564 409962 31302 114297 0 X X 1 X 0 1 0 X 507597 335176 478004 686023 630058 2636858 507597 335176 478004 686023 630058 2636858 294826 2342032 8281 20289 34632 63202 2700060 0.86740 X RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED 0 REFUNDABLE GUARANTOR DEPOSIT 5500 5500 X PART X, LINE 2: THE ORGANIZATION IS A PUBLIC CHARITY AND IS EXEMPT FROM INCOME TAXES UNDER SECTION 501(C)(3) OF THE INTERNAL REVENUE CODE (THE "CODE") AND SECTION 23701(D) OF THE CALIFORNIA REVENUE AND TAXATION CODE EXCEPT FOR TAXES ON NET UNRELATED BUSINESS INCOME. SINCE THE ORGANIZATION HAS NO OBLIGATION FOR UNRELATED BUSINESS INCOME TAX FOR THE YEAR ENDED DECEMBER 31, 2024, NO PROVISIONS FOR FEDERAL OR STATE INCOME TAXES HAVE BEEN MADE. IN ACCORDANCE WITH FASB ACCOUNTING STANDARDS CODIFICATION ("ASC") 740, ACCOUNTING FOR UNCERTAINTY IN INCOME TAXES, THE ORGANIZATION EVALUATES ANNUALLY ANY UNCERTAIN TAX POSITIONS TAKEN OR EXPECTED TO BE TAKEN IN A TAX RETURN BY APPLYING A THRESHOLD OF MORE LIKELY THAN NOT FOR RECOGNITION. MANAGEMENT EVALUATED ITS TAX POSITIONS AND DETERMINED THAT IS HAS NO UNCERTAIN TAX POSITIONS AT DECEMBER 31, 2024. THERE HAVE BEEN NO RELATED TAX PENALTIES OR INTEREST, WHICH WOULD BE CLASSIFIED AS TAX EXPENSE IN THE STATEMENT OF ACTIVITIES. FORM 990, PART VI, SECTION A, LINE 2 SELWYN ISAKOW AND HILARY ISAKOW HAVE A FAMILY RELATIONSHIP. FORM 990, PART VI, SECTION B, LINE 11B THE FORM 990 IS REVIEWED BY THE BOARD FOR ACCURACY AND COMPLETENESS. FORM 990, PART VI, SECTION B, LINE 12C THE ORGANIZATION REGULARLY AND CONSISTENTLY MONITORS AND ENFORCES COMPLIANCE WITH THE CONFLICT OF INTEREST POLICY BY REQUIRING PARTIES TO FURNISH A DISCLOSURE STATEMENT UPON BECOMING A COVERED PARTY AND AT REELECTION OF TERMS, AS APPLICABLE. ALL COVERED PARTIES ARE REQUIRED TO FURNISH AN UPDATED DISCLOSURE STATEMENT PRIOR TO ENGAGING IN ANY POTENTIAL CONFLICT OF INTEREST SITUATION. FORM 990, PART VI, SECTION B, LINE 15 THE COMPENSATION OF THE ORGANIZATION'S EXECUTIVE DIRECTOR IS SET BY THE COMPENSATION, GOVERNANCE AND NOMINATIONS COMMITTEE AND IS THEN APPROVED BY THE BOARD. COMPENSATION DECISIONS ARE DOCUMENTED IN THE MINUTES OF THE MEETING IN WHICH THE DECISION WAS MADE. TO AID IN DETERMINING COMPENSATION, NONPROFIT INDUSTRY SURVEYS ARE USED TO ENSURE COMPARABILITY FOR SIMILAR POSITIONS THROUGHOUT THE REGION. FORM 990, PART VI, SECTION C, LINE 19 NO OTHER DOCUMENTS AVAILABLE TO THE PUBLIC. FORM 990, PART XII, LINE 2C: THE ORGANIZATION FORMED A FINANCE COMMITTEE TO REVIEW THE FINANCIAL COMPILATION.