Nonprofit · EIN 94-1156545
HEBREW FREE LOAN ASSOCIATION OF SAN FRANCISCO
Tax-exempt · SAN FRANCISCO, CA 94105
Financials
| Year ended | Form | Revenue | Expenses | Net income | Total assets | Liabilities | Net assets |
|---|---|---|---|---|---|---|---|
| June 30, 2025 | 990 | $3,389,390 | $2,951,827 | $437,563 | $27,433,565 | $4,559,673 | $22,873,892 |
| June 30, 2024 | 990 | $3,529,428 | $2,669,705 | $859,723 | $31,016,437 | $8,971,279 | $22,045,158 |
| June 30, 2023 | 990 | $2,892,220 | $2,378,212 | $514,008 | $27,595,951 | $6,852,646 | $20,743,305 |
Financial details: 990 for the year ended June 30, 2025
Revenue
- Contributions, gifts and grants
- $3,358,994
- Program service revenue
- $0
- Investment income
- $57,647
- Net income from fundraising events
- -$27,251
- Other revenue
- -$27,251
Expenses
- Grants and similar amounts paid
- $88,465
- Compensation of officers, directors and key employees
- $520,629
- Other salaries and wages
- $1,338,176
- Salaries, compensation and benefits (total)
- $2,245,654
- Professional fundraising fees
- $0
- Legal fees
- $1,606
- Accounting fees
- $37,461
- Occupancy
- $95,332
- Travel
- $10,030
- Depreciation
- $7,225
- Program services (functional)
- $1,948,643
- Management and general (functional)
- $331,466
- Fundraising (functional)
- $671,718
Balance sheet and other
- Total assets, start of year
- $31,016,437
- Total assets, end of year
- $27,433,565
- Total liabilities, end of year
- $4,559,673
- Net assets, end of year
- $22,873,892
- Land, buildings and equipment
- $16,226
- Publicly traded securities
- $4,410,430
- Net assets without donor restrictions
- $9,995,357
- Net assets with donor restrictions
- $12,878,535
- Gross receipts
- $3,426,291
- Employees
- 14
- Volunteers
- 98
- Year formed
- 1897
- State of legal domicile
- CA
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 June 30, 2025, highest compensation first.
| Name | Title | Hours / week | Compensation | Other / benefits |
|---|---|---|---|---|
| CYNTHIA ROGOWAY | EXECUTIVE DIRECTOR Officer | 60 | $274,135 | $45,126 |
| JAMIE HYAMS | DEVELOPMENT DIRECTOR Highest-paid employee | 40 | $157,372 | $39,260 |
| MENILEK MEKBEB | FINANCE DIRECTOR Officer | 40 | $143,287 | $35,895 |
| JAMES MASSARA | DIRECTOR OF DATA SOLUTIONS Highest-paid employee | 40 | $149,546 | $24,495 |
| TERESA LOWE | ASSISTANT DIRECTOR Highest-paid employee | 40 | $128,419 | $22,306 |
| MARINA LEVY | ASSISTANT DIRECTOR Highest-paid employee | 40 | $126,674 | $20,500 |
| GREGORY ZALE | MARKETING DIRECTOR Highest-paid employee | 40 | $117,627 | $17,214 |
| MAUREEN HOLT | BOARD PRESIDENT Trustee or director, Officer | 4 | $0 | $0 |
| MADELINE CHALEFF | 1ST VICE PRESIDENT Trustee or director, Officer | 4 | $0 | $0 |
| ROMAN POLNAR | 2ND VICE PRESIDENT Trustee or director, Officer | 4 | $0 | $0 |
| MICHAEL RAPAPORT | TREASURER Trustee or director, Officer | 4 | $0 | $0 |
| DAVID KIFERBAUM | ASST. SECRETARY Trustee or director, Officer | 4 | $0 | $0 |
| GREGG RUBENSTEIN | IMM. PAST PRESIDENT Trustee or director, Officer | 4 | $0 | $0 |
| PAUL ORBUCH | AD-HOC EXECUTIVE COMM. MEM Trustee or director | 1 | $0 | $0 |
| STEPHEN DOBROW | BOARD MEMBER Trustee or director | 1 | $0 | $0 |
17 more people on this return
| Name | Title | Hours / week | Compensation |
|---|---|---|---|
| MARK GOLDMAN | BOARD MEMBER Trustee or director | 1 | $0 |
| CHRIS KAROW | BOARD MEMBER Trustee or director | 1 | $0 |
| SHARON GOLDSTEIN | BOARD MEMBER Trustee or director | 1 | $0 |
| DAVID LEVINE | BOARD MEMBER Trustee or director | 1 | $0 |
| ELYSE KAYE | BOARD MEMBER Trustee or director | 1 | $0 |
| ELYSSE STACKHOUSE | BOARD MEMBER Trustee or director | 1 | $0 |
| RYAN CHERNIS | BOARD MEMBER Trustee or director | 1 | $0 |
| SABINA POLNAR | BOARD MEMBER Trustee or director | 1 | $0 |
| PAUL RATNER | BOARD MEMBER Trustee or director | 1 | $0 |
| JOSHUA RUTBERG | BOARD MEMBER Trustee or director | 1 | $0 |
| GAYLE STARR | BOARD MEMBER Trustee or director | 1 | $0 |
| RONNA STONE | BOARD MEMBER Trustee or director | 1 | $0 |
| JESSICA TARAN | BOARD MEMBER Trustee or director | 1 | $0 |
| ILYA VINOGRADSKY | BOARD MEMBER Trustee or director | 1 | $0 |
| ERIC TOIZER | BOARD MEMBER Trustee or director | 1 | $0 |
| ADAM WISKIND | BOARD MEMBER Trustee or director | 1 | $0 |
| RABBI STEVEN CHESTER | BOARD MEMBER Trustee or director | 1 | $0 |
990 for the year ended June 30, 2024: 31 people
| Name | Title | Hours / week | Compensation | Other / benefits |
|---|---|---|---|---|
| CYNTHIA ROGOWAY | EXECUTIVE DIRECTOR Officer | 60 | $256,372 | $42,344 |
| JAMIE HYAMS | DEVELOPMENT DIRECTOR Highest-paid employee | 40 | $152,044 | $41,573 |
| JAMES MASSARA | DIRECTOR OF DATA SOLUTIONS Highest-paid employee | 40 | $144,621 | $32,993 |
| MENILEK MEKBEB | FINANCE DIRECTOR Officer | 40 | $139,012 | $37,285 |
| TERESA LOWE | ASSISTANT DIRECTOR Highest-paid employee | 40 | $123,688 | $31,817 |
| MARINA LEVY | ASSISTANT DIRECTOR Highest-paid employee | 40 | $119,131 | $19,230 |
| GREGORY ZALE | MARKETING DIRECTOR Highest-paid employee | 40 | $113,917 | $9,901 |
| GREGG RUBENSTEIN | BOARD PRESIDENT Trustee or director, Officer | 4 | $0 | $0 |
| MAUREEN HOLT | 1ST VICE PRESIDENT Trustee or director, Officer | 4 | $0 | $0 |
| ROMAN POLNAR | 2ND VICE PRESIDENT Trustee or director, Officer | 4 | $0 | $0 |
| MICHAEL RAPAPORT | TREASURER Trustee or director, Officer | 4 | $0 | $0 |
| MADELINE CHALEFF | ASST. SECRETARY Trustee or director, Officer | 4 | $0 | $0 |
| STEVEN ZIMMERMAN | IMM. PAST PRESIDENT Trustee or director, Officer | 4 | $0 | $0 |
| PAUL ORBUCH | BOARD MEMBER Trustee or director | 1 | $0 | $0 |
| STEPHEN DOBROW | BOARD MEMBER Trustee or director | 1 | $0 | $0 |
| MARK GOLDMAN | BOARD MEMBER Trustee or director | 1 | $0 | $0 |
| CHRIS KAROW | BOARD MEMBER Trustee or director | 1 | $0 | $0 |
| DAVID KIFERBAUM | BOARD MEMBER Trustee or director | 1 | $0 | $0 |
| DAVID LEVINE | BOARD MEMBER Trustee or director | 1 | $0 | $0 |
| MILLA LVOVICH | BOARD MEMBER Trustee or director | 1 | $0 | $0 |
| RYAN CHERNIS | BOARD MEMBER Trustee or director | 1 | $0 | $0 |
| SABINA POLNAR | BOARD MEMBER Trustee or director | 1 | $0 | $0 |
| PAUL RATNER | BOARD MEMBER Trustee or director | 1 | $0 | $0 |
| JOSHUA RUTBERG | BOARD MEMBER Trustee or director | 1 | $0 | $0 |
| GAYLE STARR | BOARD MEMBER Trustee or director | 1 | $0 | $0 |
| RONNA STONE | BOARD MEMBER Trustee or director | 1 | $0 | $0 |
| JESSICA TARAN | BOARD MEMBER Trustee or director | 1 | $0 | $0 |
| RENATA TELEFUS | BOARD MEMBER Trustee or director | 1 | $0 | $0 |
| ERIC TOIZER | BOARD MEMBER Trustee or director | 1 | $0 | $0 |
| ADAM WISKIND | BOARD MEMBER Trustee or director | 1 | $0 | $0 |
| RABBI STEVEN CHESTER | BOARD MEMBER Trustee or director | 1 | $0 | $0 |
990 for the year ended June 30, 2023: 32 people
| Name | Title | Hours / week | Compensation | Other / benefits |
|---|---|---|---|---|
| CYNTHIA ROGOWAY | EXECUTIVE DIRECTOR Officer | 60 | $239,886 | $39,326 |
| JAMIE HYAMS | DEVELOPMENT DIRECTOR Highest-paid employee | 40 | $146,441 | $39,276 |
| MENILEK MEKBEB | FINANCE DIRECTOR Officer | 40 | $133,661 | $33,488 |
| JAMES MASSARA | DIRECTOR OF DATA SOLUTIONS AND ANALYTICS Highest-paid employee | 40 | $150,696 | $11,940 |
| TERESA LOWE | ASSISTANT DIRECTOR Highest-paid employee | 40 | $116,470 | $30,352 |
| MARINA LEVY | ASSISTANT DIRECTOR Highest-paid employee | 40 | $108,224 | $17,862 |
| GREGORY ZALE | MARKETING DIRECTOR Highest-paid employee | 40 | $109,159 | $9,466 |
| GREGG RUBENSTEIN | BOARD PRESIDENT Trustee or director, Officer | 4 | $0 | $0 |
| MAUREEN HOLT | 1ST VICE PRESIDENT Trustee or director, Officer | 4 | $0 | $0 |
| ROMAN POLNAR | 2ND VICE PRESIDENT Trustee or director, Officer | 4 | $0 | $0 |
| MICHAEL RAPAPORT | TREASURER Trustee or director, Officer | 4 | $0 | $0 |
| MADELINE CHALEFF | ASST. SECRETARY Trustee or director, Officer | 4 | $0 | $0 |
| STEVEN ZIMMERMAN | IMM. PAST PRESIDENT Trustee or director, Officer | 4 | $0 | $0 |
| PAUL ORBUCH | AD-HOC EXECUTIVE COMM. MEMBER Trustee or director | 1 | $0 | $0 |
| STEPHEN DOBROW | BOARD MEMBER Trustee or director | 1 | $0 | $0 |
| MARK GOLDMAN | BOARD MEMBER Trustee or director | 1 | $0 | $0 |
| CHRIS KAROW | BOARD MEMBER Trustee or director | 1 | $0 | $0 |
| DAVID KIFERBAUM | BOARD MEMBER Trustee or director | 1 | $0 | $0 |
| DAVID LEVINE | BOARD MEMBER Trustee or director | 1 | $0 | $0 |
| AMANDA LURIE | BOARD MEMBER Trustee or director | 1 | $0 | $0 |
| MILLA LVOVICH | BOARD MEMBER Trustee or director | 1 | $0 | $0 |
| RYAN CHERNIS | BOARD MEMBER Trustee or director | 1 | $0 | $0 |
| SABINA POLNAR | BOARD MEMBER Trustee or director | 1 | $0 | $0 |
| PAUL RATNER | BOARD MEMBER Trustee or director | 1 | $0 | $0 |
| JOSHUA RUTBERG | BOARD MEMBER Trustee or director | 1 | $0 | $0 |
| GAYLE STARR | BOARD MEMBER Trustee or director | 1 | $0 | $0 |
| RONNA STONE | BOARD MEMBER Trustee or director | 1 | $0 | $0 |
| JESSICA TARAN | BOARD MEMBER Trustee or director | 1 | $0 | $0 |
| RENATA TELEFUS | BOARD MEMBER Trustee or director | 1 | $0 | $0 |
| ERIC TOIZER | BOARD MEMBER Trustee or director | 1 | $0 | $0 |
| ADAM WISKIND | BOARD MEMBER Trustee or director | 1 | $0 | $0 |
| RABBI STEVEN CHESTER | BOARD MEMBER Trustee or director | 1 | $0 | $0 |
Address and contacts
- Address (IRS master file)
- 131 STEUART ST STE 520, SAN FRANCISCO, CA 94105-1240
- Principal officer (990 for 2024)
- CINDY ROGOWAY, 131 STEUART STREET 520, SAN FRANCISCO, CA 94105
- Signed the 990
- CINDY ROGOWAY, EXECUTIVE DIRECTOR
- Phone
- (415) 546-9902
- Website
- WWW.HFLASF.ORG
- Return prepared by
- GILBERT CPAS
California records
California keeps its own records of charities and corporations. Search them by EIN 94-1156545 or by the name HEBREW FREE LOAN ASSOCIATION OF SAN FRANCISCO.
- Attorney General, Registry of Charities and Fundraisers
- Registration status and filed reports (CT-TR-1, RRF-1)
- Secretary of State, bizfile Online
- Corporation status, entity number, agent for service
- Franchise Tax Board
- Entity status letter (state tax exemption, good standing)
Mission
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.
Program accomplishments
- WE DISBURSED 591 INTEREST-FREE LOANS DURING THE YEAR, TOTALING $8.6 MILLION. THIS IS SIMILAR TO THE AMOUNT DISBURSED LAST YEAR, BUT 52 MORE LOANS, WHICH MEANS WE HELPED MORE PEOPLE. WE CLOSED THE YEAR WITH 1,670 LOANS OUT IN THE COMMUNITY (125 MORE THAN LAST YEAR) TOTALING $20.5 MILLION.OUR 18 LOAN PROGRAMS HELP PEOPLE PURSUE LIFE GOALS AND ADDRESS FINANCIAL HARDSHIPS. STUDENT LOANS WERE THE MOST FREQUENTLY REQUESTED LOAN TYPE,FOLLOWED BY DEBT CONSOLIDATION AND GENERAL NEEDS.THE NEED FOR ASSISTANCE CONTINUES TO INCREASE,AS MANY STILL STRUGGLE TO FIND THEIR FOOTING AFTER LOSING INCOME OR DEPLETING SAVINGS DURING THE PANDEMIC. WE ARE WORKING HARD TO GROW OUR RESOURCES TO MEET COMMUNITY NEED.Expenses $1,948,643 · grants $88,465
- HELPING SMALL BUSINESS OWNERS LAUNCH OR EXPAND THEIR BUSINESSES IS A CORE FOCUS OF OUR LENDING. THIS YEAR, WE MADE 36 BUSINESS LOANS TOTALING $1.3 MILLION (80% MORE LOANS AND 115% MORE IN DOLLARS THAN LAST YEAR). AMOUNTS RANGED FROM $10K TO $50K.MANY APPLICANTS DON'T YET HAVE A BUSINESS TRACK RECORD, SO CAN'T QUALIFY FOR BANK LOANS. FOR EARLY-STAGE ENTREPRENEURS BOOT-STRAPPING THEIR BUSINESSES, OUR LOANS BEING INTEREST-FREE IS A GAME CHANGER. WE'VE SUPPORTED FOOD AND BEVERAGE COMPANIES, MEDICAL PRACTICES, LAW FIRMS, RETAIL STORES, COACHING AND CONSULTING PRACTICES, DEVELOPERS OF PRODUCTS (E.G., SMART TOOTHBRUSHES, PICKLEBALL GRIPS, AND VIDEO GAMES), AND OTHER TYPES OF ENTERPRISES.
- IN 2023-24, WE RECEIVED SUPPORT FROM GENEROUS DONORS TO LAUNCH OUR ENVIRONMENTAL LOAN PROGRAM, WHICH PROVIDES INTEREST-FREE LOANS TO HELP INDIVIDUALS AND SMALL BUSINESS OWNERS CONTRIBUTE TO SUSTAINABILITY. THE PROGRAM GREW AND GAINED TRACTION THIS YEAR, AS WE TRIPLED THE NUMBER OF ENVIRONMENTAL LOANS WE MADE. MANY LOANS HELPED PEOPLE BUY ELECTRIC VEHICLES TO GET TO WORK AND SCHOOL. OTHERS ASSISTED PEOPLE TO CREATE SUSTAINABLE LANDSCAPES OR INSTALL ELECTRIC HEAT PUMPS IN THEIR HOMES. WE ALSO HELPED SMALL ENVIRONMENTAL BUSINESSES, SUCH AS A SOLAR INSTALLATION COMPANY AND AN INSTALLER OF GREYWATER SYSTEMS AND WATER-CONSCIOUS LANDSCAPING.
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 June, so each return is due on the 15th day of the 5th month after that.
| Tax year | Year ended | Due | IRS public records |
|---|---|---|---|
| 2025 | June 30, 2026 | November 16, 2026 | Not due yet |
| 2024 | June 30, 2025 | November 17, 2025 | 990 on file |
| 2023 | June 30, 2024 | November 15, 2024 | 990 on file |
IRS record
- EIN
- 94-1156545
- 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
- 1935
- Accounting year ends
- June
- Files
- Form 990 or 990-EZ
- Category (NTEE)
- Public and societal benefit (W600)
- Assets (IRS master file)
- $27,433,565
- Income (IRS master file)
- $3,426,291
Filing history
| Form | Year ended | Revenue | Expenses | Assets | Return |
|---|---|---|---|---|---|
| 990 | June 2025 | $3,389,390 | $2,951,827 | $27,433,565 | XML |
| 990 | June 2024 | $3,529,428 | $2,669,705 | $31,016,437 | XML |
| 990 | June 2023 | $2,892,220 | $2,378,212 | $27,595,951 | XML |
| 990 | June 2022 | $4,532,322 | $2,072,622 | $28,447,595 | IRS |
| 990 | June 2021 | – | – | – | IRS |
| 990 | June 2020 | – | – | – | IRS |
| 990 | June 2019 | – | – | – | IRS |
| 990 | June 2018 | – | – | – | 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 94-1156545).
Questions about HEBREW FREE LOAN ASSOCIATION OF SAN FRANCISCO
- What is the EIN of HEBREW FREE LOAN ASSOCIATION OF SAN FRANCISCO?
- The employer identification number (EIN) of HEBREW FREE LOAN ASSOCIATION OF SAN FRANCISCO is 94-1156545.
- Is HEBREW FREE LOAN ASSOCIATION OF SAN FRANCISCO tax-exempt?
- Yes. The IRS lists it as tax-exempt under section 501(c)(3) since 1935.
- Are donations to HEBREW FREE LOAN ASSOCIATION OF SAN FRANCISCO tax-deductible?
- Yes. It is listed in IRS Publication 78 (Public charity, 50% deduction limit).
- Which annual return does HEBREW FREE LOAN ASSOCIATION OF SAN FRANCISCO 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 OF SAN FRANCISCO due?
- The return for tax year 2025 (the year ending June 30, 2026) is due November 16, 2026. Form 8868 extends it by six months; the 990-N cannot be extended.
- When did HEBREW FREE LOAN ASSOCIATION OF SAN FRANCISCO last file with the IRS?
- The latest return in the IRS public files is the 990 for the year ended June 2025.
- Who is the principal officer of HEBREW FREE LOAN ASSOCIATION OF SAN FRANCISCO?
- The 990 for the year ended June 30, 2025 names CINDY ROGOWAY.
- Who are the officers and directors of HEBREW FREE LOAN ASSOCIATION OF SAN FRANCISCO?
- The 990 for the year ended June 30, 2025 lists 32 people; 7 received compensation from the organization, the highest $274,135 (CYNTHIA ROGOWAY, EXECUTIVE DIRECTOR).
- How much revenue does HEBREW FREE LOAN ASSOCIATION OF SAN FRANCISCO have?
- On its 990 for the year ended June 30, 2025 it reported revenue of $3,389,390, expenses of $2,951,827 and total assets of $27,433,565 at year end.
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