Nonprofit · EIN 38-1359260
HEBREW FREE LOAN ASSOCIATION
Tax-exempt · BLOOMFLD HLS, MI 48301
Financials
| Year ended | Form | Revenue | Expenses | Net income | Total assets | Liabilities | Net assets |
|---|---|---|---|---|---|---|---|
| May 31, 2025 | 990 | $1,486,461 | $1,066,248 | $420,213 | $14,045,950 | $281,801 | $13,764,149 |
| May 31, 2024 | 990 | $1,178,121 | $1,014,767 | $163,354 | $14,587,847 | $260,401 | $14,327,446 |
Financial details: 990 for the year ended May 31, 2025
Revenue
- Contributions, gifts and grants
- $1,049,824
- Program service revenue
- $199,648
- Investment income
- $236,989
- Other revenue
- $0
Expenses
- Grants and similar amounts paid
- $0
- Compensation of officers, directors and key employees
- $310,227
- Other salaries and wages
- $305,571
- Salaries, compensation and benefits (total)
- $719,315
- Professional fundraising fees
- $0
- Legal fees
- $15,895
- Occupancy
- $51,565
- Depreciation
- $9,071
- Program services (functional)
- $739,763
- Management and general (functional)
- $162,324
- Fundraising (functional)
- $164,161
Balance sheet and other
- Total assets, start of year
- $14,587,847
- Total assets, end of year
- $14,045,950
- Total liabilities, end of year
- $281,801
- Net assets, end of year
- $13,764,149
- Land, buildings and equipment
- $57,519
- Net assets without donor restrictions
- $13,589,869
- Net assets with donor restrictions
- $174,280
- Gross receipts
- $1,486,461
- Employees
- 8
- Volunteers
- 73
- Year formed
- 1895
- State of legal domicile
- MI
From the e-filed returns the IRS publishes as XML (latest three processing years; amended returns replace the original). PDF copies at the IRS.
Officers, directors and key employees
As listed on the 990 for the year ended May 31, 2025, highest compensation first.
| Name | Title | Hours / week | Compensation |
|---|---|---|---|
| DAVID C CONTORER | EXECUTIVE DIRECTOR Officer | 40 | $212,415 |
| KIMBERLEY BERNZWEIG | CONTROLLER Trustee or director | 40 | $97,812 |
| AMY BERLIN | PRESIDENT Trustee or director, Officer | 1 | $0 |
| JONATHAN STERLING | PRESIDENT-ELECT Trustee or director, Officer | 1 | $0 |
| NITA COHEN | VICE-PRESIDENT Trustee or director, Officer | 1 | $0 |
| RALPH MCDOWELL | VICE-PRESIDENT Trustee or director, Officer | 1 | $0 |
| SUSAN HODESS | TREASURER Trustee or director, Officer | 1 | $0 |
| JON FELLOWS | SECRETARY Trustee or director, Officer | 1 | $0 |
| DR STEVEN ARBIT | DIRECTOR Trustee or director | 1 | $0 |
| JEFFREY ARONOFF | DIRECTOR Trustee or director | 1 | $0 |
| JOANNE ARONOVITZ | DIRECTOR Trustee or director | 1 | $0 |
| MICHAEL BANKS | DIRECTOR Trustee or director | 1 | $0 |
| CAROLYN BELLINSON | DIRECTOR Trustee or director | 1 | $0 |
| MICHAEL BERKE | DIRECTOR Trustee or director | 1 | $0 |
| ALLEN BERMEN | DIRECTOR Trustee or director | 1 | $0 |
58 more people on this return
| Name | Title | Hours / week | Compensation |
|---|---|---|---|
| SAM BERNSTEIN | DIRECTOR Trustee or director | 1 | $0 |
| SCOTT BERNSTEIN | DIRECTOR Trustee or director | 1 | $0 |
| STAN BERSHARD | DIRECTOR Trustee or director | 1 | $0 |
| RICHARD BRODER | DIRECTOR Trustee or director | 1 | $0 |
| NIKKI BUDAJ-CHATFIELD | DIRECTOR Trustee or director | 1 | $0 |
| KEVIN CHUPACK | DIRECTOR Trustee or director | 1 | $0 |
| BOB CITRIN | DIRECTOR Trustee or director | 1 | $0 |
| LAUREN DAITCH | DIRECTOR Trustee or director | 1 | $0 |
| PEGGY DAITCH | DIRECTOR Trustee or director | 1 | $0 |
| JOANNE DANTO | DIRECTOR Trustee or director | 1 | $0 |
| LOREN DICKSTEIN | DIRECTOR Trustee or director | 1 | $0 |
| AMY ERSHER | DIRECTOR Trustee or director | 1 | $0 |
| SETH FABER | DIRECTOR Trustee or director | 1 | $0 |
| RANDALL FOGELMAN | DIRECTOR Trustee or director | 1 | $0 |
| LACEY FOON | DIRECTOR Trustee or director | 1 | $0 |
| LAURIE FRANKEL | DIRECTOR Trustee or director | 1 | $0 |
| DAVID FURMAN | DIRECTOR Trustee or director | 1 | $0 |
| JOSH GERSHONOWICZ | DIRECTOR Trustee or director | 1 | $0 |
| DIANE GOLDSTEIN | DIRECTOR Trustee or director | 1 | $0 |
| MICHAEL GRAUB | DIRECTOR Trustee or director | 1 | $0 |
| PAUL HACK | DIRECTOR Trustee or director | 1 | $0 |
| TARA FORMAN HACK | DIRECTOR Trustee or director | 1 | $0 |
| JULIE TREPECK HARRIS | DIRECTOR Trustee or director | 1 | $0 |
| LAUREN HARTMAN | DIRECTOR Trustee or director | 1 | $0 |
| JOEL HECHLER | DIRECTOR Trustee or director | 1 | $0 |
| SALLY HOOBERMAN | DIRECTOR Trustee or director | 1 | $0 |
| DAVID JACOBSON | DIRECTOR Trustee or director | 1 | $0 |
| MARY KEANE | DIRECTOR Trustee or director | 1 | $0 |
| SHERRY KETAI | DIRECTOR Trustee or director | 1 | $0 |
| DAVID KIRSCH | DIRECTOR Trustee or director | 1 | $0 |
| DAVID KRAMER | DIRECTOR Trustee or director | 1 | $0 |
| REX LANYI | DIRECTOR Trustee or director | 1 | $0 |
| EMILY LEVIN | DIRECTOR Trustee or director | 1 | $0 |
| RANDIE LEVIN | DIRECTOR Trustee or director | 1 | $0 |
| ARTHUR LISS | DIRECTOR Trustee or director | 1 | $0 |
| JAY MUST | DIRECTOR Trustee or director | 1 | $0 |
| HARRIET ORLEY | DIRECTOR Trustee or director | 1 | $0 |
| ADAM POGODA | DIRECTOR Trustee or director | 1 | $0 |
| JUSTIN POLK | DIRECTOR Trustee or director | 1 | $0 |
| RICHARD ROTH | DIRECTOR Trustee or director | 1 | $0 |
| JARED ROTHBERGER | DIRECTOR Trustee or director | 1 | $0 |
| JOSH RUBIN | DIRECTOR Trustee or director | 1 | $0 |
| MICHELLE RUBIN | DIRECTOR Trustee or director | 1 | $0 |
| CARLY SCHIFF | DIRECTOR Trustee or director | 1 | $0 |
| ROB SCHWARTZ | DIRECTOR Trustee or director | 1 | $0 |
| JOYCE SHERMAN | DIRECTOR Trustee or director | 1 | $0 |
| NEIL SHERMAN | DIRECTOR Trustee or director | 1 | $0 |
| STUART SHERMAN | DIRECTOR Trustee or director | 1 | $0 |
| STUART SNIDER | DIRECTOR Trustee or director | 1 | $0 |
| NECHAMA SOLOFF | DIRECTOR Trustee or director | 1 | $0 |
| JOHN TEWELES | DIRECTOR Trustee or director | 1 | $0 |
| CAROLYN TISDALE | DIRECTOR Trustee or director | 1 | $0 |
| YONI TORGOW | DIRECTOR Trustee or director | 1 | $0 |
| PAM TORRACO | DIRECTOR Trustee or director | 1 | $0 |
| DAVID WALLACE | DIRECTOR Trustee or director | 1 | $0 |
| LAUREN WILLIAMS | DIRECTOR Trustee or director | 1 | $0 |
| ANDI WOLFE | DIRECTOR Trustee or director | 1 | $0 |
| BARBI ZALTZ | DIRECTOR Trustee or director | 1 | $0 |
990 for the year ended May 31, 2024: 76 people
| Name | Title | Hours / week | Compensation | Other / benefits |
|---|---|---|---|---|
| DAVID CONTORER | EXECUTIVE DIRECTOR Officer | 35 | $206,345 | $8,948 |
| LAURIE BANKS | CONTROLLER (THROUGH 9/15/23) Officer | 17 | $65,242 | $0 |
| KIMBERLEY BERNZWEIG | CONTROLLER (STARTED 8/13/23) Officer | 35 | $32,738 | $0 |
| STEVEN ARBIT | DIRECTOR Trustee or director | 1 | $0 | $0 |
| JEFFREY ARONOFF | DIRECTOR Trustee or director | 1 | $0 | $0 |
| JOANNE ARONOVITZ | DIRECTOR Trustee or director | 1 | $0 | $0 |
| MICHAEL BANKS | PAST PRESIDENT Trustee or director | 1 | $0 | $0 |
| RICHARD BARR | DIRECTOR Trustee or director | 1 | $0 | $0 |
| CAROLYN BELLINSON | PAST PRESIDENT Trustee or director | 1 | $0 | $0 |
| MICHAEL BERKE | PAST PRESIDENT Trustee or director | 1 | $0 | $0 |
| AMY BERLIN | DIRECTOR Trustee or director | 1 | $0 | $0 |
| ALLEN BERMAN | PRESIDENT Trustee or director, Officer | 1 | $0 | $0 |
| SAM BERNSTEIN | HONORARY LIFE MEMBER Trustee or director | 1 | $0 | $0 |
| STAN BERSHAD | HONORARY LIFE MEMBER Trustee or director | 1 | $0 | $0 |
| MARLENE BORMAN | PAST PRESIDENT Trustee or director | 1 | $0 | $0 |
| BETH BRANDVAIN | DIRECTOR Trustee or director | 1 | $0 | $0 |
| RICHARD BRODER | PAST PRESIDENT Trustee or director | 1 | $0 | $0 |
| KEVIN CHUPACK | DIRECTOR Trustee or director | 1 | $0 | $0 |
| ROBERT CITRIN | PAST PRESIDENT Trustee or director | 1 | $0 | $0 |
| NITA COHEN | VICE PRESIDENT Trustee or director, Officer | 1 | $0 | $0 |
| LAUREN DAITCH | DIRECTOR Trustee or director | 1 | $0 | $0 |
| PEGGY DAITCH | PAST PRESIDENT Trustee or director | 1 | $0 | $0 |
| JOANNE DANTO | HONORARY LIFE MEMBER Trustee or director | 1 | $0 | $0 |
| BRETT DEMARRAIS | DIRECTOR Trustee or director | 1 | $0 | $0 |
| LLOYD DOIGAN | DIRECTOR Trustee or director | 1 | $0 | $0 |
| JON DWOSKIN | DIRECTOR Trustee or director | 1 | $0 | $0 |
| AMY ERSHER | DIRECTOR Trustee or director | 1 | $0 | $0 |
| SETH FABER | DIRECTOR Trustee or director | 1 | $0 | $0 |
| JON FELLOWS | SECRETARY Trustee or director, Officer | 1 | $0 | $0 |
| RANDALL FOGELMAN | DIRECTOR Trustee or director | 1 | $0 | $0 |
| LACEY FOON | NEXTGEN LIASON Trustee or director | 1 | $0 | $0 |
| LAURIE FRANKEL | PAST PRESIDENT Trustee or director | 1 | $0 | $0 |
| DAVID FURMAN | DIRECTOR Trustee or director | 1 | $0 | $0 |
| DAVID GACH | DIRECTOR Trustee or director | 1 | $0 | $0 |
| JEFFREY GARDEN | DIRECTOR Trustee or director | 1 | $0 | $0 |
| JOSH GERSHONOWICZ | DIRECTOR Trustee or director | 1 | $0 | $0 |
| DIANE GOLDSTEIN | DIRECTOR Trustee or director | 1 | $0 | $0 |
| ELI GOLSHTEYN | DIRECTOR Trustee or director | 1 | $0 | $0 |
| MICHAEL GRAUB | HONORARY LIFE MEMBER Trustee or director | 1 | $0 | $0 |
| PAUL HACK | PAST PRESIDENT Trustee or director | 1 | $0 | $0 |
| JULIE TREPECK HARRIS | DIRECTOR Trustee or director | 1 | $0 | $0 |
| JOEL HECHLER | DIRECTOR Trustee or director | 1 | $0 | $0 |
| SUE HODESS | TREASURER Trustee or director, Officer | 1 | $0 | $0 |
| SALLY HOOBERMAN | DIRECTOR Trustee or director | 1 | $0 | $0 |
| DAVID JACOBSON | DIRECTOR Trustee or director | 1 | $0 | $0 |
| MARY KEANE | HONORARY LIFE MEMBER Trustee or director | 1 | $0 | $0 |
| LORIE KESSLER | DIRECTOR Trustee or director | 1 | $0 | $0 |
| SHERRI KETAI | DIRECTOR Trustee or director | 1 | $0 | $0 |
| DAVID KIRSCH | HONORARY LIFE MEMBER Trustee or director | 1 | $0 | $0 |
| LINDA KOVAN | DIRECTOR Trustee or director | 1 | $0 | $0 |
| DAVID KRAMER | PAST PRESIDENT Trustee or director | 1 | $0 | $0 |
| REX LANYI | HONORARY LIFE MEMBER Trustee or director | 1 | $0 | $0 |
| RANDIE LEVIN | DIRECTOR Trustee or director | 1 | $0 | $0 |
| ARTHUR LISS | PAST PRESIDENT Trustee or director | 1 | $0 | $0 |
| ZACHARY LISS | DIRECTOR Trustee or director | 1 | $0 | $0 |
| RALPH MCDOWELL | VICE PRESIDENT Trustee or director, Officer | 1 | $0 | $0 |
| JAY MUST | HONORARY LIFE MEMBER Trustee or director | 1 | $0 | $0 |
| HARRIET ORLEY | PAST PRESIDENT Trustee or director | 1 | $0 | $0 |
| ADAM POGODA | DIRECTOR Trustee or director | 1 | $0 | $0 |
| RICHARD ROTH | DIRECTOR Trustee or director | 1 | $0 | $0 |
| JARED ROTHBERGER | DIRECTOR Trustee or director | 1 | $0 | $0 |
| MICHELLE RUBIN | DIRECTOR Trustee or director | 1 | $0 | $0 |
| CARLY SCHIFF | DIRECTOR Trustee or director | 1 | $0 | $0 |
| ROB SCHWARTZ | PAST PRESIDENT Trustee or director | 1 | $0 | $0 |
| JEFFREY SERMAN | DIRECTOR Trustee or director | 1 | $0 | $0 |
| JOYCE SHERMAN | HONORARY LIFE MEMBER Trustee or director | 1 | $0 | $0 |
| STUART SHERMAN | PAST PRESIDENT Trustee or director | 1 | $0 | $0 |
| STUART SNIDER | PAST PRESIDENT Trustee or director | 1 | $0 | $0 |
| NECHAMA SOLOFF | DIRECTOR Trustee or director | 1 | $0 | $0 |
| JONATHAN STERLING | PRESIDENT-ELECT Trustee or director, Officer | 1 | $0 | $0 |
| JOHN TEWELES | DIRECTOR Trustee or director | 1 | $0 | $0 |
| CAROLYN TISDALE | PAST PRESIDENT Trustee or director | 1 | $0 | $0 |
| PAM TORRACO | DIRECTOR Trustee or director | 1 | $0 | $0 |
| DAVID WALLACE | HONORARY LIFE MEMBER Trustee or director | 1 | $0 | $0 |
| ANDI WOLFE | DIRECTOR Trustee or director | 1 | $0 | $0 |
| BARBIE ZALTZ | DIRECTOR Trustee or director | 1 | $0 | $0 |
Address and contacts
- Address (IRS master file)
- 6735 TELEGRAPH RD STE 300, BLOOMFLD HLS, MI 48301-3145
- Principal officer (990 for 2024)
- DAVID CONTORER, 6735 TELEGRAPH ROAD 300, BLOOMFIELD HILLS, MI 483013145
- Signed the 990
- DAVID CONTORER, EXUCUTIVE DIRECTOR
- Phone
- (248) 723-8184
- Website
- WWW.HFLDETROIT.ORG
- Return prepared by
- GJC CPA'S & ADVISORS
Mission
THE ASSOCIATION PROVIDES FINANCIAL ASSISTANCE TO JEWISH PEOPLE IN THE STATE OF MICHIGAN THROUGH THE LENDING OF MONEY WITHOUT INTEREST IN ACCORDANCE WITH CORE JEWISH VALUES, RESPECT, COMPASSION, AND CONFIDENTIALITY.
Program accomplishments
- THE ORGANIZATION GRANTS INTEREST-FREE LOANS, AS REQUIRED BY THE ASSOCIATION'S CHARTER AND IN ACCORDANCE WITH JEWISH TRADITION.Expenses $645,749
- THE ASSOCIATION ADMINISTERS THE WILLIAM DAVIDSON JEWISH COLLEGE LOAN PROGRAM BY PROVIDING SUPPORT TO STUDENTS IN NEED WITH INTEREST-FREE LOANS.Expenses $94,014 · revenue $199,648
What it must file and when
IRS records say it files Form 990 or 990-EZ. Based on its last return; a smaller organization may file the 990-N. Its accounting year ends in May, so each return is due on the 15th day of the 5th month after that.
| Tax year | Year ended | Due | IRS public records |
|---|---|---|---|
| 2025 | May 31, 2026 | October 15, 2026 | Not on file |
| 2024 | May 31, 2025 | October 15, 2025 | 990 on file |
| 2023 | May 31, 2024 | October 15, 2024 | 990 on file |
IRS record
- EIN
- 38-1359260
- Tax-exempt status
- 501(c)(3): Charitable, religious, educational or scientific organization
- Foundation status
- Publicly supported organization (170(b)(1)(A)(vi))
- Donations deductible (Pub 78)
- Public charity, 50% deduction limit
- Exempt since
- 1984
- Accounting year ends
- May
- Files
- Form 990 or 990-EZ
- Category (NTEE)
- Philanthropy, voluntarism and grantmaking foundations (T90Z)
- Assets (IRS master file)
- $14,045,950
- Income (IRS master file)
- $1,486,461
Filing history
| Form | Year ended | Revenue | Expenses | Assets | Return |
|---|---|---|---|---|---|
| 990 | May 2025 | $1,486,461 | $1,066,248 | $14,045,950 | XML |
| 990 | May 2024 | $1,178,121 | $1,014,767 | $14,587,847 | XML |
| 990 | May 2023 | $1,027,759 | $990,401 | $14,134,650 | IRS |
| 990 | May 2022 | – | – | – | IRS |
| 990 | May 2021 | – | – | – | IRS |
| 990 | May 2020 | – | – | – | IRS |
| 990 | May 2019 | – | – | – | IRS |
990-N: the IRS bulk file holds only the latest e-Postcard per organization; earlier years come from archived copies of that file since 2020 and can have gaps (the IRS e-Postcard search lists every one). 990, 990-EZ, 990-PF, 990-T: every e-filed return in the IRS e-file index since 2019; XML for the latest three processing years, amounts from the IRS Statistics of Income extracts before that. PDF copies and determination letters at the IRS (search EIN 38-1359260).
Questions about HEBREW FREE LOAN ASSOCIATION
- What is the EIN of HEBREW FREE LOAN ASSOCIATION?
- The employer identification number (EIN) of HEBREW FREE LOAN ASSOCIATION is 38-1359260.
- Is HEBREW FREE LOAN ASSOCIATION tax-exempt?
- Yes. The IRS lists it as tax-exempt under section 501(c)(3) since 1984.
- Are donations to HEBREW FREE LOAN ASSOCIATION tax-deductible?
- Yes. It is listed in IRS Publication 78 (Public charity, 50% deduction limit).
- Which annual return does HEBREW FREE LOAN ASSOCIATION file?
- Form 990 or 990-EZ. Based on its last return; a smaller organization may file the 990-N.
- When is the next return of HEBREW FREE LOAN ASSOCIATION due?
- The return for tax year 2025 (the year ending May 31, 2026) is due October 15, 2026. Form 8868 extends it by six months; the 990-N cannot be extended.
- When did HEBREW FREE LOAN ASSOCIATION last file with the IRS?
- The latest return in the IRS public files is the 990 for the year ended May 2025.
- Who is the principal officer of HEBREW FREE LOAN ASSOCIATION?
- The 990 for the year ended May 31, 2025 names DAVID CONTORER.
- Who are the officers and directors of HEBREW FREE LOAN ASSOCIATION?
- The 990 for the year ended May 31, 2025 lists 73 people; 2 received compensation from the organization, the highest $212,415 (DAVID C CONTORER, EXECUTIVE DIRECTOR).
- How much revenue does HEBREW FREE LOAN ASSOCIATION have?
- On its 990 for the year ended May 31, 2025 it reported revenue of $1,486,461, expenses of $1,066,248 and total assets of $14,045,950 at year end.
Other nonprofits in BLOOMFLD HLS
- WILLIAM DAVIDSON FOUNDATION EIN 20-3899187 · last filed 990-PF for 2024
- PENSKE FOUNDATION INC EIN 27-4648290 · last filed 990-PF for 2025
- CARLS FOUNDATION EIN 38-6099935 · last filed 990-PF for 2024
- THE SAMUEL AND JEAN FRANKEL FINE ARTS FOUNDATION EIN 30-0095026 · last filed 990-PF for 2024
- A ALFRED TAUBMAN FOUNDATION EIN 27-1366308 · last filed 990-PF for 2024
- FALLEN & WOUNDED SOLDIERS FUND INC EIN 20-4882017 · last filed 990 for 2025
- PILCOWITZ FAMILY FOUNDATION EIN 81-4791872 · last filed 990-PF for 2024
- RAINA K PATEL FOUNDATION EIN 38-3246397 · last filed 990-PF for 2024
All nonprofits in BLOOMFLD HLS · Michigan · Philanthropy, voluntarism and grantmaking foundations