2026-08-06T14:20:07-05:00 2025-12-31 923320348 EAG GULF COAST LLC ONE GALLERIA BLVD SUITE 2100 METAIRIE LA 70001 990 2025-01-01 852055131 HEBREW FREE LOAN OF SAN DIEGO HEBR 8583458018 9404 GENESEE AVE 200 LA JOLLA CA 92037 GRAEME GABRIEL PRESIDENT 8583458018 2026-08-04 1 GINA RACHEL P01216293 5048375990 2025 2025-03-06 01:10:19Z GRAEME GABRIEL 9404 GENESEE AVE 200 LA JOLLA CA 92037 1067682 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 5 20 0 0 630058 885398 0 0 41620 34664 0 0 671678 920062 0 0 0 0 211800 237557 0 0 33796 49916 70867 261716 308424 409962 611638 2028564 2736392 9500 8614 2019064 2727778 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 245586 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. 245586 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 5 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 ANDREW 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 SUZANNE FELDMAN 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 120000 0 0 120000 0 0 1 0 0 0 0 885398 885398 33532 33532 148752 147620 1132 1132 1132 920062 0 0 34664 120000 96000 12000 12000 100601 85281 6145 9175 16956 13933 1395 1628 8610 7749 861 7285 7285 1786 893 179 714 10723 9651 536 536 20845 16593 740 3512 7049 5992 352 705 8195 7375 410 410 OUTREACH 5709 1454 4255 PROVISION-CREDIT LOSSES 665 665 308424 245586 29042 33796 226241 286208 52118 130000 666567 932076 1083638 1383094 0 5014 2028564 2736392 5114 4000 0 5500 3500 9500 8614 X 1863872 2564836 155192 162942 2019064 2727778 2028564 2736392 611638 97076 0 X X 1 X 0 1 0 X 335176 478004 686023 630058 885398 3014659 335176 478004 686023 630058 885398 3014659 172940 2841719 8281 20289 34632 33532 96734 3111393 0.91330 0.86740 X RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED 0 REFUNDABLE GUARANTOR DEPOSIT 3500 3500 X PART X, LINE 2: THE ORGANIZATION IS A PUBLIC CHARITY AND IS EXEMPT FROM INCOME TAXES UNDER SECTION 501(C)(3) OF 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 YEARS ENDED DECEMBER 31, 2025 AND 2024, NO PROVISIONS FOR FEDERAL OR STATE INCOME TAXES HAVE BEEN MADE. IN ACCORDANCE WITH FINANCIAL ACCOUNTING STANDARDS BOARD ("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 IT HAS NO UNCERTAIN TAX POSITIONS AT DECEMBER 31, 2025 AND 2024. THERE HAVE BEEN NO RELATED TAX PENALTIES OR INTEREST, WHICH WOULD BE CLASSIFIED AS TAX EXPENSE IN THE STATEMENTS 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 HAS FORMED AN AUDIT COMMITTEE TO REVIEW FINANCIAL COMPILATIONS, 990S, AND OTHER TAX SPECIFIC DOCUMENTS.