Nonprofit · EIN 47-3100005
HAWAII COMMUNITY LENDING
Tax-exempt · WAIMANALO, HI 96795
Financials
| Year ended | Form | Revenue | Expenses | Net income | Total assets | Liabilities | Net assets |
|---|---|---|---|---|---|---|---|
| September 30, 2025 | 990 | $24,430,239 | $10,744,576 | $13,685,663 | $41,439,957 | $14,226,599 | $27,213,358 |
| September 30, 2024 | 990 | $20,975,570 | $11,412,381 | $9,563,189 | $25,419,183 | $11,891,488 | $13,527,695 |
| September 30, 2023 | 990 | $8,801,117 | $7,504,301 | $1,296,816 | $8,968,536 | $5,004,030 | $3,964,506 |
Financial details: 990 for the year ended September 30, 2025
Revenue
- Contributions, gifts and grants
- $22,541,143
- of which government grants
- $2,423,797
- Program service revenue
- $1,113,383
- Investment income
- $742,085
- Other revenue
- $33,628
Expenses
- Grants and similar amounts paid
- $3,332,949
- Compensation of officers, directors and key employees
- $215,221
- Other salaries and wages
- $2,644,904
- Salaries, compensation and benefits (total)
- $3,647,220
- Professional fundraising fees
- $0
- Legal fees
- $103,204
- Accounting fees
- $95,301
- Travel
- $275,728
- Depreciation
- $11,929
- Program services (functional)
- $8,247,626
- Management and general (functional)
- $2,084,007
- Fundraising (functional)
- $412,943
Balance sheet and other
- Total assets, start of year
- $25,419,183
- Total assets, end of year
- $41,439,957
- Total liabilities, end of year
- $14,226,599
- Net assets, end of year
- $27,213,358
- Land, buildings and equipment
- $52,233
- Net assets without donor restrictions
- $11,645,922
- Net assets with donor restrictions
- $15,567,436
- Gross receipts
- $24,430,239
- Employees
- 42
- Volunteers
- 5
- Year formed
- 2014
- State of legal domicile
- HI
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 September 30, 2025, highest compensation first.
| Name | Title | Hours / week | Compensation | Other / benefits |
|---|---|---|---|---|
| JEFF GILBREATH | EXECUTIVE DIRECTOR Officer | 40 | $160,731 | $6,937 |
| JANER HAARELL PATRICK C | FINANCE DIRECTOR Highest-paid employee | 40 | $124,710 | $6,339 |
| MAHOE THOENE KAHAUNANI K | SERVICING DIRECTOR Highest-paid employee | 40 | $110,553 | $6,937 |
| KUI MEYER | PRESIDENT Trustee or director, Officer | 1 | $0 | $0 |
| NOELLE KAI | VICE PRESIDENT Trustee or director, Officer | 1 | $0 | $0 |
| THOMAS ATOU | TREASURER Trustee or director, Officer | 1 | $0 | $0 |
| BILLY PIEPER | BOARD MEMBER Trustee or director | 1 | $0 | $0 |
| SUNSHINE TOPPING | BOARD MEMBER Trustee or director | 1 | $0 | $0 |
990 for the year ended September 30, 2024: 6 people
| Name | Title | Hours / week | Compensation | From related orgs | Other / benefits |
|---|---|---|---|---|---|
| JEFF GILBREATH | EXECUTIVE DIRECTOR Officer, Highest-paid employee | 40 | $100,961 | $5,250 | $6,400 |
| KUI MEYER | PRESIDENT Trustee or director, Officer | 1 | $0 | $0 | $0 |
| NOELLE KAI | VICE PRESIDENT Trustee or director, Officer | 1 | $0 | $0 | $0 |
| THOMAS ATOU | TREASURER Trustee or director, Officer | 1 | $0 | $0 | $0 |
| BILLY PIEPER | BOARD MEMBER Trustee or director | 1 | $0 | $0 | $0 |
| SUNSHINE TOPPING | BOARD MEMBER Trustee or director | 1 | $0 | $0 | $0 |
990 for the year ended September 30, 2023: 6 people
| Name | Title | Hours / week | Compensation | Other / benefits |
|---|---|---|---|---|
| JEFF GILBREATH | EXECUTIVE DIRECTOR Officer | 40 | $92,554 | $6,164 |
| KUI MEYER | PRESIDENT Trustee or director, Officer | 1 | $0 | $0 |
| NOELLE KAI | VICE PRESIDENT Trustee or director, Officer | 1 | $0 | $0 |
| THOMAS ATOU | TREASURER Trustee or director, Officer | 1 | $0 | $0 |
| BILLY PIEPER | BOARD MEMBER Trustee or director | 1 | $0 | $0 |
| SUNSHINE TOPPING | BOARD MEMBER Trustee or director | 1 | $0 | $0 |
Address and contacts
- Address (IRS master file)
- PO BOX 210, WAIMANALO, HI 96795-0210
- Mailing address (990-N for 2016)
- 200 N Vineyard Boulevard, Honolulu HI 96817
- Principal officer (990 for 2024)
- JEFF GILBREATH, PO BOX 210, WAIMANALO, HI 96795
- Principal officer (990-N for 2016)
- Jeff Gilbreath, 41-012 A Aloiloi Street, Waimanalo HI 96795
- Signed the 990
- JEFF GILBREATH, EXECUTIVE DIRECTOR
- Phone
- (808) 587-7656
- Website
- www.hawaiiancommunity.net
- Return prepared by
- EASY OFFICE DBA JITASA
Mission
HAWAII COMMUNITY LENDING INCREASES ACCESS TO CREDIT AND CAPITAL FOR THE ECONOMIC SELF-SUFFICIENCY OF HAWAII RESIDENTS WITH A PARTICULAR FOCUS ON NATIVE HAWAIIANS.
Program accomplishments
- EMERGENCY GRANTS - TO PROVIDE EMERGENCY GRANTS TO HOUSEHOLDS IN FINANCIAL HARDSHIP.Expenses $3,809,849 · grants $512,825
- DPL PROGRAM - TO PROVIDE DEFERRED-PAYMENT LOANS TO ELIGIBLE HOMEBUYERS TO ASSIST WITH DOWN PAYMENT, CLOSING COSTS, AND OTHER HOME PURCHASE FINANCING NEEDS.Expenses $1,662,423 · grants $1,650,000 · revenue $18,000
- AFFORDABLE HOUSING FUND- HAWAII COMMUNITY LENDING 47-3100005 TO PROVIDE COMMUNITY LENDING SERVICES TO INCLUDE ORIGINATION AND SERVICING OF CONSUMER, HOUSING, AND SMALL BUSINESS LOANS.Expenses $1,537,647 · grants $427,899 · revenue $33,035
- OTHER - EMERGENCY LOANS AND GENERAL PROGRAMExpenses $1,237,707 · grants $742,225 · revenue $1,062,348
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 September, so each return is due on the 15th day of the 5th month after that.
| Tax year | Year ended | Due | IRS public records |
|---|---|---|---|
| 2025 | September 30, 2026 | February 15, 2027 | Not due yet |
| 2024 | September 30, 2025 | February 16, 2026 | 990 on file |
| 2023 | September 30, 2024 | February 17, 2025 | 990 on file |
IRS record
- EIN
- 47-3100005
- 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
- 2016
- Accounting year ends
- September
- Files
- Form 990 or 990-EZ
- Category (NTEE)
- Community improvement and capacity building (S32)
- Assets (IRS master file)
- $41,439,957
- Income (IRS master file)
- $24,430,239
Filing history
| Form | Year ended | Revenue | Expenses | Assets | Return |
|---|---|---|---|---|---|
| 990 | September 2025 | $24,430,239 | $10,744,576 | $41,439,957 | XML |
| 990 | September 2024 | $20,975,570 | $11,412,381 | $25,419,183 | XML |
| 990 | September 2023 | $8,801,117 | $7,504,301 | $8,968,536 | XML |
| 990 | September 2022 | $20,239,640 | $20,307,823 | $6,756,934 | IRS |
| 990 | September 2021 | – | – | – | IRS |
| 990 | September 2020 | – | – | – | IRS |
| 990 | September 2019 | – | – | – | IRS |
| 990-N for 2016 Officer: Jeff Gilbreath | September 30, 2017 | ≤ $50,000 receipts | – | – | e-Postcard |
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 47-3100005).
Questions about HAWAII COMMUNITY LENDING
- What is the EIN of HAWAII COMMUNITY LENDING?
- The employer identification number (EIN) of HAWAII COMMUNITY LENDING is 47-3100005.
- Is HAWAII COMMUNITY LENDING tax-exempt?
- Yes. The IRS lists it as tax-exempt under section 501(c)(3) since 2016.
- Are donations to HAWAII COMMUNITY LENDING tax-deductible?
- Yes. It is listed in IRS Publication 78 (Public charity, 50% deduction limit).
- Which annual return does HAWAII COMMUNITY LENDING 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 HAWAII COMMUNITY LENDING due?
- The return for tax year 2025 (the year ending September 30, 2026) is due February 15, 2027. Form 8868 extends it by six months; the 990-N cannot be extended.
- When did HAWAII COMMUNITY LENDING last file with the IRS?
- The latest return in the IRS public files is the 990 for the year ended September 2025.
- Who is the principal officer of HAWAII COMMUNITY LENDING?
- The 990 for the year ended September 30, 2025 names JEFF GILBREATH.
- Who are the officers and directors of HAWAII COMMUNITY LENDING?
- The 990 for the year ended September 30, 2025 lists 8 people; 3 received compensation from the organization, the highest $160,731 (JEFF GILBREATH, EXECUTIVE DIRECTOR).
- How much revenue does HAWAII COMMUNITY LENDING have?
- On its 990 for the year ended September 30, 2025 it reported revenue of $24,430,239, expenses of $10,744,576 and total assets of $41,439,957 at year end.
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All nonprofits in WAIMANALO · Hawaii · Community improvement and capacity building