JEWISH FREE LOAN ASSOCIATION: Form 990, tax year 2024

View the entire original 990 at ProPublica ↗

Organization: JEWISH FREE LOAN ASSOCIATION (EIN 95-1691014)
Tax period: 2024-09-01 to 2025-08-31
Filed: 2026-07-14
IRS object ID: 202621959349301682
Schema version: 2024v5.5
Source: Download XML · Original 990 at ProPublica

Every field in the e-filed return. Faint text is the IRS element name, for citing.

Return header
Form 990
Schedule A
Schedule B
Schedule D
Schedule J
Schedule M
Schedule O

Return header ReturnHeader

Field	Value	IRS element (for citing)
Return	2026-07-14T18:36:31-05:00	ReturnTs
Tax Period End	2025-08-31	TaxPeriodEndDt

Preparer Firm PreparerFirmGrp

Field	Value	IRS element (for citing)
Preparer Firm EIN	946214841	PreparerFirmEIN

Preparer Firm Name PreparerFirmName

Field	Value	IRS element (for citing)
Business Name Line1	ARMANINO ADVISORY LLC	BusinessNameLine1Txt

Preparer US Address PreparerUSAddress

Field	Value	IRS element (for citing)
Address Line1	2700 CAMINO RAMON STE 350	AddressLine1Txt
City	SAN RAMON	CityNm
State Abbreviation	CA	StateAbbreviationCd
ZIP	945835004	ZIPCd

Field	Value	IRS element (for citing)
Return Type	990	ReturnTypeCd
Tax Period Begin	2024-09-01	TaxPeriodBeginDt

Filer Filer

Field	Value	IRS element (for citing)
EIN	951691014	EIN

Business Name BusinessName

Field	Value	IRS element (for citing)
Business Name Line1	JEWISH FREE LOAN ASSOCIATION	BusinessNameLine1Txt

Field	Value	IRS element (for citing)
Business Name Control	JEWI	BusinessNameControlTxt
Phone	3237618830	PhoneNum

US Address USAddress

Field	Value	IRS element (for citing)
Address Line1	6505 WILSHIRE BOULEVARD 715	AddressLine1Txt
City	LOS ANGELES	CityNm
State Abbreviation	CA	StateAbbreviationCd
ZIP	90048	ZIPCd

Business Officer BusinessOfficerGrp

Field	Value	IRS element (for citing)
Person	RACHEL GROSE	PersonNm
Person Title	EXECUTIVE DIRECTOR	PersonTitleTxt
Phone	3237618830	PhoneNum
Signature	2026-07-14	SignatureDt
Discuss With Paid Preparer	Yes (1)	DiscussWithPaidPreparerInd

Field	Value	IRS element (for citing)
IRS Responsible Prty Info Curr	0	IRSResponsiblePrtyInfoCurrInd

Preparer Person PreparerPersonGrp

Field	Value	IRS element (for citing)
Preparer Person	KATY BROWN	PreparerPersonNm
PTIN	P00650274	PTIN
Phone	9257902600	PhoneNum
Preparation	2026-07-14	PreparationDt

Field	Value	IRS element (for citing)
Tax	2024	TaxYr
Build TS	2025-03-06 01:10:19Z	BuildTS

Form 990 IRS990

Field	Value	IRS element (for citing)
Principal Officer	RACHEL GROSE	PrincipalOfficerNm

US Address USAddress

Field	Value	IRS element (for citing)
Address Line1	6505 WILSHIRE BOULEVARD 715	AddressLine1Txt
City	LOS ANGELES	CityNm
State Abbreviation	CA	StateAbbreviationCd
ZIP	90048	ZIPCd

Field	Value	IRS element (for citing)
Gross Receipts	$9,896,258	GrossReceiptsAmt
Group Return For Affiliates	0	GroupReturnForAffiliatesInd
Organization501c3	Yes (X)	Organization501c3Ind
Website Address	WWW.JFLA.ORG	WebsiteAddressTxt
Type Of Organization Corp	Yes (X)	TypeOfOrganizationCorpInd
Formation	1904	FormationYr
Legal Domicile State	CA	LegalDomicileStateCd
Activity Or Mission	OFFER INTEREST-FREE LOANS TO INDIVIDUALS AND FAMILIES WHO MAY NOT QUALIFY FOR NORMAL LENDING.	ActivityOrMissionDesc
Voting Members Governing Body	13	VotingMembersGoverningBodyCnt
Voting Members Independent	13	VotingMembersIndependentCnt
Total Employee	14	TotalEmployeeCnt
Total Volunteers	21	TotalVolunteersCnt
Total Gross UBI	$0	TotalGrossUBIAmt
Net Unrelated Bus Txbl Incm	$0	NetUnrelatedBusTxblIncmAmt
PY Contributions Grants	$2,896,047	PYContributionsGrantsAmt
CY Contributions Grants	$6,256,612	CYContributionsGrantsAmt
PY Program Service Revenue	$0	PYProgramServiceRevenueAmt
CY Program Service Revenue	$0	CYProgramServiceRevenueAmt
PY Investment Income	$377,075	PYInvestmentIncomeAmt
CY Investment Income	$490,471	CYInvestmentIncomeAmt
PY Other Revenue	-$16,551	PYOtherRevenueAmt
CY Other Revenue	$0	CYOtherRevenueAmt
PY Total Revenue	$3,256,571	PYTotalRevenueAmt
CY Total Revenue	$6,747,083	CYTotalRevenueAmt
PY Grants And Similar Paid	$0	PYGrantsAndSimilarPaidAmt
CY Grants And Similar Paid	$0	CYGrantsAndSimilarPaidAmt
PY Benefits Paid To Members	$0	PYBenefitsPaidToMembersAmt
CY Benefits Paid To Members	$0	CYBenefitsPaidToMembersAmt
PY Salaries Comp Emp Bnft Paid	$1,437,518	PYSalariesCompEmpBnftPaidAmt
CY Salaries Comp Emp Bnft Paid	$1,546,039	CYSalariesCompEmpBnftPaidAmt
PY Total Prof Fndrsng Expns	$0	PYTotalProfFndrsngExpnsAmt
CY Total Prof Fndrsng Expns	$0	CYTotalProfFndrsngExpnsAmt
CY Total Fundraising Expense	$251,421	CYTotalFundraisingExpenseAmt
PY Other Expenses	$1,505,798	PYOtherExpensesAmt
CY Other Expenses	$1,064,209	CYOtherExpensesAmt
PY Total Expenses	$2,943,316	PYTotalExpensesAmt
CY Total Expenses	$2,610,248	CYTotalExpensesAmt
PY Revenues Less Expenses	$313,255	PYRevenuesLessExpensesAmt
CY Revenues Less Expenses	$4,136,835	CYRevenuesLessExpensesAmt
Total Assets BOY	$26,737,557	TotalAssetsBOYAmt
Total Assets EOY	$31,597,406	TotalAssetsEOYAmt
Total Liabilities BOY	$1,274,344	TotalLiabilitiesBOYAmt
Total Liabilities EOY	$1,767,281	TotalLiabilitiesEOYAmt
Net Assets Or Fund Balances BOY	$25,463,213	NetAssetsOrFundBalancesBOYAmt
Net Assets Or Fund Balances EOY	$29,830,125	NetAssetsOrFundBalancesEOYAmt
Info In Schedule O Part III	Yes (X)	InfoInScheduleOPartIIIInd
Mission	THE JEWISH FREE LOAN ASSOCIATION OF LOS ANGELES (JFLA) OFFERS INTEREST-FREE LOANS ON A NON-SECTARIAN BASIS TO INDIVIDUALS AND FAMILIES WHOSE NEEDS ARE URGENT AND WHO MAY NOT QUALIFY THROUGH NORMAL FINANCIAL RESOURCES. (SEE CONTINUATION ON SCHEDULE O)INTEREST-FREE LOANS INSTEAD OF CHARITY FILL AN IMPORTANT GAP IN OUR SOCIAL SYSTEM BY PROMOTING SELF-SUFFICIENCY WITH DIGNITY.	MissionDesc
Significant New Program Srvc	0	SignificantNewProgramSrvcInd
Significant Change	0	SignificantChangeInd
Expense	$1,779,266	ExpenseAmt
Desc	NO-FEE, NO-INTEREST LOANSIN FISCAL YEAR ENDED 2025 (09/01/24 THROUGH 08/31/25), THE JEWISH FREE LOAN ASSOCIATION OF LOS ANGELES (JFLA) MADE 954 LOANS FOR $13,565,123.AS OF AUGUST 31, 2025, THE ORGANIZATION HAD AN OUTSTANDING LOAN BALANCE OF $23,203,473, MEANING AT THAT POINT, THEY HAD INVESTED OVER $23 MILLION IN THE LOS ANGELES, VENTURA, AND SANTA BARBARA COMMUNITIES.	Desc
Total Program Service Expenses	$1,779,266	TotalProgramServiceExpensesAmt
Described In Section501c3	Yes (1)	DescribedInSection501c3Ind
Schedule B Required	Yes (1)	ScheduleBRequiredInd
Political Campaign Acty	0	PoliticalCampaignActyInd
Lobbying Activities	0	LobbyingActivitiesInd
Subject To Proxy Tax	0	SubjectToProxyTaxInd
Donor Advised Fund	0	DonorAdvisedFundInd
Conservation Easements	0	ConservationEasementsInd
Collections Of Art	0	CollectionsOfArtInd
Credit Counseling	Yes (1)	CreditCounselingInd
Donor Rstr Or Quasi Endowments	Yes (1)	DonorRstrOrQuasiEndowmentsInd
Report Land Building Equipment	Yes (1)	ReportLandBuildingEquipmentInd
Report Investments Other Sec	0	ReportInvestmentsOtherSecInd
Report Program Related Invst	0	ReportProgramRelatedInvstInd
Report Other Assets	0	ReportOtherAssetsInd
Report Other Liabilities	Yes (1)	ReportOtherLiabilitiesInd
Include FIN48 Footnote	Yes (1)	IncludeFIN48FootnoteInd
Independent Audit Fincl Stmt	Yes (1)	IndependentAuditFinclStmtInd
Consolidated Audit Fincl Stmt	0	ConsolidatedAuditFinclStmtInd
School Operating	0	SchoolOperatingInd
Foreign Office	0	ForeignOfficeInd
Foreign Activities	0	ForeignActivitiesInd
More Than5000 K To Org	0	MoreThan5000KToOrgInd
More Than5000 K To Individuals	0	MoreThan5000KToIndividualsInd
Professional Fundraising	0	ProfessionalFundraisingInd
Fundraising Activities	0	FundraisingActivitiesInd
Gaming Activities	0	GamingActivitiesInd
Operate Hospital	0	OperateHospitalInd
Grants To Organizations	0	GrantsToOrganizationsInd
Grants To Individuals	0	GrantsToIndividualsInd
Schedule J Required	Yes (1)	ScheduleJRequiredInd
Tax Exempt Bonds	0	TaxExemptBondsInd
Engaged In Excess Benefit Trans	0	EngagedInExcessBenefitTransInd
PY Excess Benefit Trans	0	PYExcessBenefitTransInd
Loan Outstanding	0	LoanOutstandingInd
Grant To Related Person	0	GrantToRelatedPersonInd
Business Rln With Org Mem	0	BusinessRlnWithOrgMemInd
Business Rln With Fam Mem	0	BusinessRlnWithFamMemInd
Business Rln With35 Ctrl Ent	0	BusinessRlnWith35CtrlEntInd
Deductible Non Cash Contri	Yes (1)	DeductibleNonCashContriInd
Deductible Art Contribution	0	DeductibleArtContributionInd
Terminate Operations	0	TerminateOperationsInd
Partial Liquidation	0	PartialLiquidationInd
Disregarded Entity	0	DisregardedEntityInd
Related Entity	0	RelatedEntityInd
Related Organization Ctrl Ent	0	RelatedOrganizationCtrlEntInd
Trnsfr Exmpt Non Chrtbl Rltd Org	0	TrnsfrExmptNonChrtblRltdOrgInd
Activities Conducted Prtshp	0	ActivitiesConductedPrtshpInd
Schedule O Required	Yes (1)	ScheduleORequiredInd
IRP Document	22	IRPDocumentCnt
IRP Document W2 G	0	IRPDocumentW2GCnt
Backup Wthld Compliance	Yes (1)	BackupWthldComplianceInd
Employee	14	EmployeeCnt
Employment Tax Returns Filed	Yes (1)	EmploymentTaxReturnsFiledInd
Unrelated Bus Incm Over Limit	0	UnrelatedBusIncmOverLimitInd
Foreign Financial Account	0	ForeignFinancialAccountInd
Prohibited Tax Shelter Trans	0	ProhibitedTaxShelterTransInd
Taxable Party Notification	0	TaxablePartyNotificationInd
Nondeductible Contributions	0	NondeductibleContributionsInd
Quid Pro Quo Contributions	0	QuidProQuoContributionsInd
Form8282 Property Disposed Of	0	Form8282PropertyDisposedOfInd
Rcv Fnds To Pay Prsnl Bnft Cntrct	0	RcvFndsToPayPrsnlBnftCntrctInd
Pay Premiums Prsnl Bnft Cntrct	0	PayPremiumsPrsnlBnftCntrctInd
Indoor Tanning Services	0	IndoorTanningServicesInd
Subj To Tax Rmnrtn Ex Prcht Pymt	0	SubjToTaxRmnrtnExPrchtPymtInd
Subject To Excs Tax Net Invst Inc	0	SubjectToExcsTaxNetInvstIncInd
Info In Schedule O Part VI	Yes (X)	InfoInScheduleOPartVIInd
Governing Body Voting Members	13	GoverningBodyVotingMembersCnt
Independent Voting Member	13	IndependentVotingMemberCnt
Family Or Business Rln	Yes (1)	FamilyOrBusinessRlnInd
Delegation Of Mgmt Duties	0	DelegationOfMgmtDutiesInd
Change To Org Documents	0	ChangeToOrgDocumentsInd
Material Diversion Or Misuse	0	MaterialDiversionOrMisuseInd
Members Or Stockholders	0	MembersOrStockholdersInd
Election Of Board Members	0	ElectionOfBoardMembersInd
Decisions Subject To Approva	0	DecisionsSubjectToApprovaInd
Minutes Of Governing Body	Yes (1)	MinutesOfGoverningBodyInd
Minutes Of Committees	Yes (1)	MinutesOfCommitteesInd
Officer Mailing Address	0	OfficerMailingAddressInd
Local Chapters	0	LocalChaptersInd
Form990 Provided To Gvrn Body	Yes (1)	Form990ProvidedToGvrnBodyInd
Conflict Of Interest Policy	Yes (1)	ConflictOfInterestPolicyInd
Annual Disclosure Covered Prsn	Yes (1)	AnnualDisclosureCoveredPrsnInd
Regular Monitoring Enfrc	Yes (1)	RegularMonitoringEnfrcInd
Whistleblower Policy	Yes (1)	WhistleblowerPolicyInd
Document Retention Policy	Yes (1)	DocumentRetentionPolicyInd
Compensation Process CEO	Yes (1)	CompensationProcessCEOInd
Compensation Process Other	Yes (1)	CompensationProcessOtherInd
Investment In Joint Venture	0	InvestmentInJointVentureInd
States Where Copy Of Return Is Fld	CA	StatesWhereCopyOfReturnIsFldCd
Own Website	Yes (X)	OwnWebsiteInd
Upon Request	Yes (X)	UponRequestInd

Books In Care Of Detail BooksInCareOfDetail

Business Name BusinessName

Field	Value	IRS element (for citing)
Business Name Line1	ADAM LEVINE	BusinessNameLine1Txt

Field	Value	IRS element (for citing)
Phone	3237618838	PhoneNum

US Address USAddress

Field	Value	IRS element (for citing)
Address Line1	6505 WILSHIRE BLVD SUITE 715	AddressLine1Txt
City	LOS ANGELES	CityNm
State Abbreviation	CA	StateAbbreviationCd
ZIP	90048	ZIPCd

Form990 Part VII Section A Form990PartVIISectionAGrp (24 entries)

TitleTitleTxt	Average Hours Per WeekAverageHoursPerWeekRt	Individual Trustee Or DirectorIndividualTrusteeOrDirectorInd	OfficerOfficerInd	Reportable Comp From OrgReportableCompFromOrgAmt	Reportable Comp From Rltd OrgReportableCompFromRltdOrgAmt	Other CompensationOtherCompensationAmt
BRANDON LEVIN
PRESIDENT	3.00	Yes (X)	Yes (X)	$0	$0	$0
IVAN KALLICK
1ST VICE PRESIDENT	1.00	Yes (X)	Yes (X)	$0	$0	$0
DAVID HORVITZ
2ND VICE PRESIDENT	1.00	Yes (X)	Yes (X)	$0	$0	$0
EVA PLAZA MANDEL
SECRETARY (THRU 2/20/25)	1.00	Yes (X)	Yes (X)	$0	$0	$0
LESLIE ARONZON
TREASURER	1.00	Yes (X)	Yes (X)	$0	$0	$0
ARON ABECASSIS
DIRECTOR	1.00	Yes (X)		$0	$0	$0
ERWIN DILLER
DIRECTOR (THRU 9/3/24)	1.00	Yes (X)		$0	$0	$0
ALAN FEIT
DIRECTOR	1.00	Yes (X)		$0	$0	$0
GERALD FELDMAN
DIRECTOR (THRU 9/5/24)	1.00	Yes (X)		$0	$0	$0
JONATHAN GERBER
DIRECTOR (THRU 3/21/24)	1.00	Yes (X)		$0	$0	$0
JOEL GLUCOFT
DIRECTOR	1.00	Yes (X)		$0	$0	$0
MARK GOLDIN
DIRECTOR	1.00	Yes (X)		$0	$0	$0
ABBY KOHN
DIRECTOR	1.00	Yes (X)		$0	$0	$0
JAMES A KOHN
DIRECTOR	1.00	Yes (X)		$0	$0	$0
EILEEN J LEWIS
DIRECTOR	1.00	Yes (X)		$0	$0	$0
LYNDON PARKER
DIRECTOR (THRU 3/17/25)	1.00	Yes (X)		$0	$0	$0
MITCHELL STEIN
DIRECTOR (THRU 8/24/25)	1.00	Yes (X)		$0	$0	$0
HAROLD TOMIN
DIRECTOR (THRU 2/10/25)	1.00	Yes (X)		$0	$0	$0
TOM WALSMITH
DIRECTOR	1.00	Yes (X)		$0	$0	$0
AARON WERNER
DIRECTOR	1.00	Yes (X)		$0	$0	$0
SAM YEBRI
DIRECTOR (THRU 10/1/24)	1.00	Yes (X)		$0	$0	$0
RACHEL B GROSE
EXECUTIVE DIRECTOR	37.50		Yes (X)	$268,333	$0	$7,800
ADAM LEVINE
DIRECTOR OF FINANCE	37.50		Yes (X)	$130,472	$0	$16,931
MICHELLE SROKA
DIRECTOR OF PROGRAMS	37.50		Yes (X)	$117,167	$0	$11,902

Field	Value	IRS element (for citing)
Total Reportable Comp From Org	$515,972	TotalReportableCompFromOrgAmt
Tot Reportable Comp Rltd Org	$0	TotReportableCompRltdOrgAmt
Total Other Compensation	$36,633	TotalOtherCompensationAmt
Indiv Rcvd Greater Than100 K	3	IndivRcvdGreaterThan100KCnt
Former Ofcr Employees Listed	0	FormerOfcrEmployeesListedInd
Total Comp Greater Than150 K	Yes (1)	TotalCompGreaterThan150KInd
Compensation From Other Srcs	0	CompensationFromOtherSrcsInd

Contractor Compensation ContractorCompensationGrp (3 entries)

Address Line1ContractorAddress/USAddress/AddressLine1Txt	CityContractorAddress/USAddress/CityNm	State AbbreviationContractorAddress/USAddress/StateAbbreviationCd	ZIPContractorAddress/USAddress/ZIPCd	ServicesServicesDesc	CompensationCompensationAmt
GLYPHIX ADVERTISING
21201 OXNARD ST	WOODLAND HILLS	CA	91367	MARKETING	$157,421
JIGSAW ANALYTICS GROUP INC
216 CLARKE DRIVE	DUBUQUE	IA	52001	MARKETING	$143,897
IVYTEK INC
450 STATE ROAD 13 NORTH SUITE 106	SAINT JOHNS	FL	322593863	SOFTWARE DEVEL/MAINTENANCE	$120,006

Field	Value	IRS element (for citing)
Cntrct Rcvd Greater Than100 K	3	CntrctRcvdGreaterThan100KCnt
Government Grants	$140,667	GovernmentGrantsAmt
All Other Contributions	$6,115,945	AllOtherContributionsAmt
Noncash Contributions	$625,420	NoncashContributionsAmt
Total Contributions	$6,256,612	TotalContributionsAmt

Investment Income InvestmentIncomeGrp

Field	Value	IRS element (for citing)
Total Revenue Column	$489,646	TotalRevenueColumnAmt
Exclusion	$489,646	ExclusionAmt

Gross Amount Sales Assets GrossAmountSalesAssetsGrp

Field	Value	IRS element (for citing)
Securities	$3,150,000	SecuritiesAmt

Less Cost Oth Basis Sales Expnss LessCostOthBasisSalesExpnssGrp

Field	Value	IRS element (for citing)
Securities	$3,149,175	SecuritiesAmt

Gain Or Loss GainOrLossGrp

Field	Value	IRS element (for citing)
Securities	$825	SecuritiesAmt

Net Gain Or Loss Investments NetGainOrLossInvestmentsGrp

Field	Value	IRS element (for citing)
Total Revenue Column	$825	TotalRevenueColumnAmt
Exclusion	$825	ExclusionAmt

Total Revenue TotalRevenueGrp

Field	Value	IRS element (for citing)
Total Revenue Column	$6,747,083	TotalRevenueColumnAmt
Related Or Exempt Func Income	$0	RelatedOrExemptFuncIncomeAmt
Unrelated Business Revenue	$0	UnrelatedBusinessRevenueAmt
Exclusion	$490,471	ExclusionAmt

Field	Value	IRS element (for citing)
Info In Schedule O Part IX	Yes (X)	InfoInScheduleOPartIXInd

Comp Current Ofcr Directors CompCurrentOfcrDirectorsGrp

Field	Value	IRS element (for citing)
Total	$589,410	TotalAmt
Program Services	$378,956	ProgramServicesAmt
Management And General	$120,765	ManagementAndGeneralAmt
Fundraising	$89,689	FundraisingAmt

Other Salaries And Wages OtherSalariesAndWagesGrp

Field	Value	IRS element (for citing)
Total	$675,468	TotalAmt
Program Services	$392,620	ProgramServicesAmt
Management And General	$220,752	ManagementAndGeneralAmt
Fundraising	$62,096	FundraisingAmt

Pension Plan Contributions PensionPlanContributionsGrp

Field	Value	IRS element (for citing)
Total	$133,642	TotalAmt
Program Services	$81,522	ProgramServicesAmt
Management And General	$36,083	ManagementAndGeneralAmt
Fundraising	$16,037	FundraisingAmt

Other Employee Benefits OtherEmployeeBenefitsGrp

Field	Value	IRS element (for citing)
Total	$59,002	TotalAmt
Program Services	$35,991	ProgramServicesAmt
Management And General	$15,931	ManagementAndGeneralAmt
Fundraising	$7,080	FundraisingAmt

Payroll Taxes PayrollTaxesGrp

Field	Value	IRS element (for citing)
Total	$88,517	TotalAmt
Program Services	$53,996	ProgramServicesAmt
Management And General	$23,899	ManagementAndGeneralAmt
Fundraising	$10,622	FundraisingAmt

Fees For Services Legal FeesForServicesLegalGrp

Field	Value	IRS element (for citing)
Total	$57,871	TotalAmt
Program Services	$35,301	ProgramServicesAmt
Management And General	$15,625	ManagementAndGeneralAmt
Fundraising	$6,945	FundraisingAmt

Fees For Services Accounting FeesForServicesAccountingGrp

Field	Value	IRS element (for citing)
Total	$40,894	TotalAmt
Management And General	$40,894	ManagementAndGeneralAmt

Fees For Srvc Invst Mgmnt Fees FeesForSrvcInvstMgmntFeesGrp

Field	Value	IRS element (for citing)
Total	$634	TotalAmt
Management And General	$634	ManagementAndGeneralAmt

Fees For Services Other FeesForServicesOtherGrp

Field	Value	IRS element (for citing)
Total	$262,939	TotalAmt
Program Services	$185,140	ProgramServicesAmt
Management And General	$41,413	ManagementAndGeneralAmt
Fundraising	$36,386	FundraisingAmt

Advertising AdvertisingGrp

Field	Value	IRS element (for citing)
Total	$154,722	TotalAmt
Program Services	$154,722	ProgramServicesAmt

Office Expenses OfficeExpensesGrp

Field	Value	IRS element (for citing)
Total	$22,166	TotalAmt
Program Services	$17,732	ProgramServicesAmt
Management And General	$2,217	ManagementAndGeneralAmt
Fundraising	$2,217	FundraisingAmt

Occupancy OccupancyGrp

Field	Value	IRS element (for citing)
Total	$7,388	TotalAmt
Program Services	$4,506	ProgramServicesAmt
Management And General	$1,995	ManagementAndGeneralAmt
Fundraising	$887	FundraisingAmt

Depreciation Depletion DepreciationDepletionGrp

Field	Value	IRS element (for citing)
Total	$37,173	TotalAmt
Program Services	$29,739	ProgramServicesAmt
Management And General	$3,717	ManagementAndGeneralAmt
Fundraising	$3,717	FundraisingAmt

Insurance InsuranceGrp

Field	Value	IRS element (for citing)
Total	$49,135	TotalAmt
Program Services	$29,973	ProgramServicesAmt
Management And General	$13,266	ManagementAndGeneralAmt
Fundraising	$5,896	FundraisingAmt

Other Expenses OtherExpensesGrp (4 entries)

DescDesc	TotalTotalAmt	Program ServicesProgramServicesAmt	Management And GeneralManagementAndGeneralAmt	FundraisingFundraisingAmt
PROGRAM COSTS	$220,720	$220,720
MISCELLANEOUS	$72,395	$30,241	$33,805	$8,349
AI PROJECT	$50,000	$50,000
BAD DEBTS EXPENSE	$41,068	$41,068

All Other Expenses AllOtherExpensesGrp

Field	Value	IRS element (for citing)
Total	$47,104	TotalAmt
Program Services	$37,039	ProgramServicesAmt
Management And General	$8,565	ManagementAndGeneralAmt
Fundraising	$1,500	FundraisingAmt

Total Functional Expenses TotalFunctionalExpensesGrp

Field	Value	IRS element (for citing)
Total	$2,610,248	TotalAmt
Program Services	$1,779,266	ProgramServicesAmt
Management And General	$579,561	ManagementAndGeneralAmt
Fundraising	$251,421	FundraisingAmt

Cash Non Interest Bearing CashNonInterestBearingGrp

Field	Value	IRS element (for citing)
BOY	$266,052	BOYAmt
EOY	$221,416	EOYAmt

Savings And Temp Cash Invst SavingsAndTempCashInvstGrp

Field	Value	IRS element (for citing)
BOY	$256,422	BOYAmt
EOY	$283,830	EOYAmt

Pledges And Grants Receivable PledgesAndGrantsReceivableGrp

Field	Value	IRS element (for citing)
BOY	$1,063,372	BOYAmt
EOY	$1,094,443	EOYAmt

Oth Notes Loans Receivable Net OthNotesLoansReceivableNetGrp

Field	Value	IRS element (for citing)
BOY	$18,578,996	BOYAmt
EOY	$23,172,126	EOYAmt

Prepaid Expenses Defrd Charges PrepaidExpensesDefrdChargesGrp

Field	Value	IRS element (for citing)
BOY	$74,230	BOYAmt
EOY	$71,990	EOYAmt

Field	Value	IRS element (for citing)
Land Bldg Equip Cost Or Other Bss	$378,190	LandBldgEquipCostOrOtherBssAmt
Land Bldg Equip Accum Deprec	$326,600	LandBldgEquipAccumDeprecAmt

Land Bldg Equip Basis Net LandBldgEquipBasisNetGrp

Field	Value	IRS element (for citing)
BOY	$77,357	BOYAmt
EOY	$51,590	EOYAmt

Investments Pub Traded Sec InvestmentsPubTradedSecGrp

Field	Value	IRS element (for citing)
BOY	$6,421,128	BOYAmt
EOY	$6,702,011	EOYAmt

Total Assets TotalAssetsGrp

Field	Value	IRS element (for citing)
BOY	$26,737,557	BOYAmt
EOY	$31,597,406	EOYAmt

Accounts Payable Accr Expnss AccountsPayableAccrExpnssGrp

Field	Value	IRS element (for citing)
BOY	$318,306	BOYAmt
EOY	$292,083	EOYAmt

Escrow Account Liability EscrowAccountLiabilityGrp

Field	Value	IRS element (for citing)
BOY	$71,640	BOYAmt
EOY	$71,640	EOYAmt

Other Liabilities OtherLiabilitiesGrp

Field	Value	IRS element (for citing)
BOY	$884,398	BOYAmt
EOY	$1,403,558	EOYAmt

Total Liabilities TotalLiabilitiesGrp

Field	Value	IRS element (for citing)
BOY	$1,274,344	BOYAmt
EOY	$1,767,281	EOYAmt

Field	Value	IRS element (for citing)
Organization Follows FASB117	Yes (X)	OrganizationFollowsFASB117Ind

No Donor Restriction Net Assets NoDonorRestrictionNetAssetsGrp

Field	Value	IRS element (for citing)
BOY	$4,006,033	BOYAmt
EOY	$4,591,561	EOYAmt

Donor Restriction Net Assets DonorRestrictionNetAssetsGrp

Field	Value	IRS element (for citing)
BOY	$21,457,180	BOYAmt
EOY	$25,238,564	EOYAmt

Total Net Assets Fund Balance TotalNetAssetsFundBalanceGrp

Field	Value	IRS element (for citing)
BOY	$25,463,213	BOYAmt
EOY	$29,830,125	EOYAmt

Tot Liab Net Assets Fund Balance TotLiabNetAssetsFundBalanceGrp

Field	Value	IRS element (for citing)
BOY	$26,737,557	BOYAmt
EOY	$31,597,406	EOYAmt

Field	Value	IRS element (for citing)
Reconcilation Revenue Expnss	$4,136,835	ReconcilationRevenueExpnssAmt
Net Unrlzd Gains Losses Invst	$230,077	NetUnrlzdGainsLossesInvstAmt
Other Changes In Net Assets	$0	OtherChangesInNetAssetsAmt
Method Of Accounting Accrual	Yes (X)	MethodOfAccountingAccrualInd
Accountant Compile Or Review	0	AccountantCompileOrReviewInd
FS Audited	Yes (1)	FSAuditedInd

FS Audited Basis FSAuditedBasisGrp

Field	Value	IRS element (for citing)
Separate Basis Fincl Stmt	Yes (X)	SeparateBasisFinclStmtInd

Field	Value	IRS element (for citing)
Audit Committee	Yes (1)	AuditCommitteeInd
Federal Grant Audit Required	0	FederalGrantAuditRequiredInd

Schedule A IRS990ScheduleA

Field	Value	IRS element (for citing)
Public Organization170	Yes (X)	PublicOrganization170Ind

Gifts Grants Contri Rcvd170 GiftsGrantsContriRcvd170Grp

Field	Value	IRS element (for citing)
Current Tax Year Minus4 Years	$3,791,870	CurrentTaxYearMinus4YearsAmt
Current Tax Year Minus3 Years	$3,300,782	CurrentTaxYearMinus3YearsAmt
Current Tax Year Minus2 Years	$3,014,980	CurrentTaxYearMinus2YearsAmt
Current Tax Year Minus1 Year	$2,896,047	CurrentTaxYearMinus1YearAmt
Current Tax Year	$6,256,612	CurrentTaxYearAmt
Total	$19,260,291	TotalAmt

Total Calendar Year170 TotalCalendarYear170Grp

Field	Value	IRS element (for citing)
Current Tax Year Minus4 Years	$3,791,870	CurrentTaxYearMinus4YearsAmt
Current Tax Year Minus3 Years	$3,300,782	CurrentTaxYearMinus3YearsAmt
Current Tax Year Minus2 Years	$3,014,980	CurrentTaxYearMinus2YearsAmt
Current Tax Year Minus1 Year	$2,896,047	CurrentTaxYearMinus1YearAmt
Current Tax Year	$6,256,612	CurrentTaxYearAmt
Total	$19,260,291	TotalAmt

Field	Value	IRS element (for citing)
Substantial Contributors Tot	$464,512	SubstantialContributorsTotAmt
Public Support Total170	$18,795,779	PublicSupportTotal170Amt

Gross Investment Income170 GrossInvestmentIncome170Grp

Field	Value	IRS element (for citing)
Current Tax Year Minus4 Years	$186,958	CurrentTaxYearMinus4YearsAmt
Current Tax Year Minus3 Years	$282,092	CurrentTaxYearMinus3YearsAmt
Current Tax Year Minus2 Years	$314,690	CurrentTaxYearMinus2YearsAmt
Current Tax Year Minus1 Year	$377,083	CurrentTaxYearMinus1YearAmt
Current Tax Year	$489,646	CurrentTaxYearAmt
Total	$1,650,469	TotalAmt

Other Income170 OtherIncome170Grp

Field	Value	IRS element (for citing)
Current Tax Year Minus4 Years	$477	CurrentTaxYearMinus4YearsAmt
Current Tax Year Minus3 Years	$165	CurrentTaxYearMinus3YearsAmt
Total	$642	TotalAmt

Field	Value	IRS element (for citing)
Total Support	$20,911,402	TotalSupportAmt
Public Support CY170	0.89880	PublicSupportCY170Pct
Public Support PY170	0.89300	PublicSupportPY170Pct
Thirty Thr Pct Suprt Tests CY170	Yes (X)	ThirtyThrPctSuprtTestsCY170Ind

Form990 Schedule A Part VI Form990ScheduleAPartVIGrp

Field	Value	IRS element (for citing)
Form And Line Reference	SCHEDULE A, PART II, LINE 10, EXPLANATION OF OTHER INCOME:	FormAndLineReferenceDesc
Explanation	MISCELLANEOUS - 2020 AMOUNT: $ 477. 2021 AMOUNT: $ 165.	ExplanationTxt

Schedule B IRS990ScheduleB

Contributor Information ContributorInformationGrp

Field	Value	IRS element (for citing)
Contributor	RESTRICTED	ContributorNum

Contributor Business Name ContributorBusinessName

Field	Value	IRS element (for citing)
Business Name Line1	RESTRICTED	BusinessNameLine1

Contributor US Address ContributorUSAddress

Field	Value	IRS element (for citing)
Address Line1	RESTRICTED	AddressLine1
Address Line2	RESTRICTED	AddressLine2
City	RESTRICTED	City
State	RESTRICTED	State
ZIP Code	RESTRICTED	ZIPCode

Field	Value	IRS element (for citing)
Total Contributions	RESTRICTED	TotalContributionsAmt

Schedule D IRS990ScheduleD

Field	Value	IRS element (for citing)
Agent Trustee Etc	Yes (1)	AgentTrusteeEtcInd
Beginning Balance	$71,640	BeginningBalanceAmt
Ending Balance	$71,640	EndingBalanceAmt
Incl Escrow Custodial Acct Liab	Yes (1)	InclEscrowCustodialAcctLiabInd
Explanation Provided	Yes (X)	ExplanationProvidedInd

CY Endwmt Fund CYEndwmtFundGrp

Field	Value	IRS element (for citing)
Beginning Year Balance	$224,119	BeginningYearBalanceAmt
Contributions	$300,000	ContributionsAmt
Other Expenditures	$224,119	OtherExpendituresAmt
End Year Balance	$300,000	EndYearBalanceAmt

CY Minus1 Yr Endwmt Fund CYMinus1YrEndwmtFundGrp

Field	Value	IRS element (for citing)
Beginning Year Balance	$216,433	BeginningYearBalanceAmt
Investment Earnings Or Losses	$18,982	InvestmentEarningsOrLossesAmt
Other Expenditures	$11,296	OtherExpendituresAmt
End Year Balance	$224,119	EndYearBalanceAmt

CY Minus2 Yr Endwmt Fund CYMinus2YrEndwmtFundGrp

Field	Value	IRS element (for citing)
Beginning Year Balance	$208,778	BeginningYearBalanceAmt
Investment Earnings Or Losses	$18,558	InvestmentEarningsOrLossesAmt
Other Expenditures	$10,903	OtherExpendituresAmt
End Year Balance	$216,433	EndYearBalanceAmt

CY Minus3 Yr Endwmt Fund CYMinus3YrEndwmtFundGrp

Field	Value	IRS element (for citing)
Beginning Year Balance	$262,889	BeginningYearBalanceAmt
Investment Earnings Or Losses	-$42,338	InvestmentEarningsOrLossesAmt
Other Expenditures	$11,773	OtherExpendituresAmt
End Year Balance	$208,778	EndYearBalanceAmt

CY Minus4 Yr Endwmt Fund CYMinus4YrEndwmtFundGrp

Field	Value	IRS element (for citing)
Beginning Year Balance	$250,500	BeginningYearBalanceAmt
Investment Earnings Or Losses	$24,914	InvestmentEarningsOrLossesAmt
Other Expenditures	$12,525	OtherExpendituresAmt
End Year Balance	$262,889	EndYearBalanceAmt

Field	Value	IRS element (for citing)
Prmnnt Endowment Balance EOY	1.00000	PrmnntEndowmentBalanceEOYPct
Endowments Held Unrelated Org	0	EndowmentsHeldUnrelatedOrgInd
Endowments Held Related Org	0	EndowmentsHeldRelatedOrgInd

Equipment EquipmentGrp

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	$378,190	OtherCostOrOtherBasisAmt
Depreciation	$326,600	DepreciationAmt
Book Value	$51,590	BookValueAmt

Field	Value	IRS element (for citing)
Total Book Value Land Buildings	$51,590	TotalBookValueLandBuildingsAmt

Other Liabilities Org OtherLiabilitiesOrgGrp (2 entries)

DescDesc	AmtAmt
DUE TO JEWISH FEDERATION COUNCIL OF GLA	$40,000
LOAN FUND CONTROLLED BY THIRD PARTIES	$1,363,558

Field	Value	IRS element (for citing)
Total Liability	$1,403,558	TotalLiabilityAmt
Footnote Text	Yes (X)	FootnoteTextInd
Total Rev Etc Audited Fincl Stmt	$6,976,526	TotalRevEtcAuditedFinclStmtAmt
Net Unrealized Gains Invst	$230,077	NetUnrealizedGainsInvstAmt
Revenue Not Reported	$230,077	RevenueNotReportedAmt
Revenue Subtotal	$6,746,449	RevenueSubtotalAmt
Investment Expenses Not Incld	$634	InvestmentExpensesNotIncldAmt
Revenue Not Reported Fincl Stmt	$634	RevenueNotReportedFinclStmtAmt
Total Revenue Per Form990	$6,747,083	TotalRevenuePerForm990Amt
Tot Expns Etc Audited Fincl Stmt	$2,609,614	TotExpnsEtcAuditedFinclStmtAmt
Expenses Not Reported	$0	ExpensesNotReportedAmt
Expenses Subtotal	$2,609,614	ExpensesSubtotalAmt
Investment Expenses Not Incld2	$634	InvestmentExpensesNotIncld2Amt
Expenses Not Rpt Fincl Stmt	$634	ExpensesNotRptFinclStmtAmt
Total Expenses Per Form990	$2,610,248	TotalExpensesPerForm990Amt

Supplemental Information Detail SupplementalInformationDetail (3 entries)

Form And Line ReferenceFormAndLineReferenceDesc	ExplanationExplanationTxt
PART IV, LINE 2B:	JFLA ADMINISTERS LOAN FUNDS ON BEHALF OF FOUR OTHER NONPROFIT ORGANIZATIONS. THE AMOUNTS ADVANCED BY THOSE ORGANIZATIONS ARE INCLUDED AS LIABILITIES WITHIN THE STATEMENT OF FINANCIAL POSITION. THE FUNDS HAVE SIMILAR CRITERIA TO CERTAIN OF JFLA'S OWN FUNDS. JFLA IS REQUIRED TO KEEP SEPARATE ACCOUNTING FOR EACH OF THESE FUNDS. RELATED ASSETS ARE INCLUDED IN INTEREST FREE LOANS RECEIVABLE OR IN SEGREGATED CASH AND INVESTMENTS ACCOUNTS.
PART V, LINE 4:	THE PURPOSE OF THE ENDOWMENT IS TO GENERATE INCOME FOR ORGANIZATION OPERATIONS.
PART X, LINE 2:	JFLA IS A NONPROFIT PUBLIC BENEFIT CORPORATION ORGANIZED UNDER THE LAWS OF CALIFORNIA AND, AS SUCH, IS EXEMPT FROM FEDERAL AND STATE INCOME TAXES UNDER INTERNAL REVENUE CODE ("IRC") SECTION 501(C)(3) AND THE CORRESPONDING STATE PROVISION. JFLA HAS EVALUATED ITS TAX POSITIONS AND CONCLUDED THAT ITS TAX-EXEMPT STATUS HAS BEEN MAINTAINED AND THAT IT HAS NO UNCERTAIN TAX POSITIONS REQUIRING ADJUSTMENTS TO THE FINANCIAL STATEMENTS. AS A RESULT, NO PROVISION FOR INCOME TAXES HAS BEEN RECORDED.

Schedule J IRS990ScheduleJ

Field	Value	IRS element (for citing)
Board Or Committee Approval	Yes (X)	BoardOrCommitteeApprovalInd
Severance Payment	0	SeverancePaymentInd
Supplemental Nonqual Rtr Plan	0	SupplementalNonqualRtrPlanInd
Equity Based Comp Arrngm	0	EquityBasedCompArrngmInd
Comp Based On Revenue Of Flng Org	0	CompBasedOnRevenueOfFlngOrgInd
Comp Bsd On Rev Related Orgs	0	CompBsdOnRevRelatedOrgsInd
Comp Bsd Net Earns Flng Org	0	CompBsdNetEarnsFlngOrgInd
Comp Bsd Net Earns Rltd Orgs	0	CompBsdNetEarnsRltdOrgsInd
Any Non Fixed Payments	Yes (1)	AnyNonFixedPaymentsInd
Initial Contract Exception	0	InitialContractExceptionInd

Rltd Org Officer Trst Key Empl RltdOrgOfficerTrstKeyEmplGrp

Field	Value	IRS element (for citing)
Person	RACHEL B GROSE	PersonNm
Title	EXECUTIVE DIRECTOR	TitleTxt
Base Compensation Filing Org	$268,333	BaseCompensationFilingOrgAmt
Compensation Based On Rltd Orgs	$0	CompensationBasedOnRltdOrgsAmt
Bonus Filing Organization	$0	BonusFilingOrganizationAmount
Bonus Related Organizations	$0	BonusRelatedOrganizationsAmt
Other Compensation Filing Org	$0	OtherCompensationFilingOrgAmt
Other Compensation Rltd Orgs	$0	OtherCompensationRltdOrgsAmt
Deferred Compensation Flng Org	$7,800	DeferredCompensationFlngOrgAmt
Deferred Comp Rltd Orgs	$0	DeferredCompRltdOrgsAmt
Nontaxable Benefits Filing Org	$0	NontaxableBenefitsFilingOrgAmt
Nontaxable Benefits Rltd Orgs	$0	NontaxableBenefitsRltdOrgsAmt
Total Compensation Filing Org	$276,133	TotalCompensationFilingOrgAmt
Total Compensation Rltd Orgs	$0	TotalCompensationRltdOrgsAmt
Comp Report Prior990 Filing Org	$0	CompReportPrior990FilingOrgAmt
Comp Report Prior990 Rltd Orgs	$0	CompReportPrior990RltdOrgsAmt

Supplemental Information Detail SupplementalInformationDetail

Field	Value	IRS element (for citing)
Form And Line Reference	PART I, LINE 7	FormAndLineReferenceDesc
Explanation	BONUS AMOUNTS PAID ARE DISCRETIONARY. THE DIRECTOR OF FINANCE RECEIVED A DISCRETIONARY BONUS OF $2,500 DETERMINED BY THE EXECUTIVE DIRECTOR.	ExplanationTxt

Schedule M IRS990ScheduleM

Securities Publicly Traded SecuritiesPubliclyTradedGrp

Field	Value	IRS element (for citing)
Non Cash Checkbox	Yes (X)	NonCashCheckboxInd
Contribution	9	ContributionCnt
Noncash Contributions Rpt F990	$625,420	NoncashContributionsRptF990Amt
Method Of Determining Revenues	PUBLICLY TRADED EXCHANGE	MethodOfDeterminingRevenuesTxt

Field	Value	IRS element (for citing)
Form8283 Received	0	Form8283ReceivedCnt
Any Property That Must Be Held	0	AnyPropertyThatMustBeHeldInd
Review Process Unusual NC Gifts	Yes (1)	ReviewProcessUnusualNCGiftsInd
Third Parties Used	0	ThirdPartiesUsedInd

Supplemental Information Detail SupplementalInformationDetail

Field	Value	IRS element (for citing)
Form And Line Reference	PART I, COLUMN (B):	FormAndLineReferenceDesc
Explanation	THIS NUMBER REPRESENTS THE NUMBER OF CONTRIBUTORS AND NOT THE NUMBER OF ITEMS CONTRIBUTED.	ExplanationTxt

Schedule O IRS990ScheduleO

Supplemental Information Detail SupplementalInformationDetail (6 entries)

Form And Line ReferenceFormAndLineReferenceDesc	ExplanationExplanationTxt
FORM 990, PART VI, SECTION A, LINE 2	BOARD MEMBERS ABBY KOHN AND JAMES KOHN HAVE A FAMILY RELATIONSHIP.
FORM 990, PART VI, SECTION B, LINE 11B	THE ORGANIZATION'S 990 IS DRAFTED BY ITS OUTSIDE ACCOUNTANTS WITH GUIDANCE FROM MANAGEMENT. THE OUTSIDE ACCOUNTANTS PROVIDE A COPY OF THE DRAFT 990 TO MANAGEMENT WHO REVIEWS AND APPROVES AND THEN FORWARDS TO THE ORGANIZATION'S AUDIT COMMITTEE CHAIR FOR REVIEW. FOLLOWING MANAGEMENT AND THE AUDIT COMMITTEE CHAIR'S REVIEW, THE RETURN IS PRESENTED TO THE FULL BOARD FOR ITS REVIEW BEFORE THE RETURN IS FILED.
FORM 990, PART VI, SECTION B, LINE 12C	THE ORGANIZATION DISTRIBUTES ITS CONFLICT OF INTEREST POLICY AND A FORM TO DISCLOSE ANY CONFLICTS TO ITS BOARD OF DIRECTORS, OFFICERS AND KEY EMPLOYEES ON AN ANNUAL BASIS. IF AN INTERESTED PERSON BECOMES AWARE OF A POTENTIAL CONFLICT OF INTEREST THEY MUST PROMPTLY DISCLOSE TO JEWISH FREE LOAN ASSOCIATION (JFLA) THROUGH THE EXECUTIVE DIRECTOR OR THE PRESIDENT OF THE BOARD THE EXISTENCES OF ANY FINANCIAL INTEREST GIVING RISE TO A POTENTIAL CONFLICT OF INTEREST, AND PROVIDE ALL MATERIAL FACTS. THE PRESIDENT MUST INFORM THE EXECUTIVE COMMITTEE OF THE SITUATION. IF THE EXECUTIVE COMMITTEE AGREE THAT THERE WERE VIOLATIONS BY THE INTERESTED PERSON, THE EXECUTIVE COMMITTEE WILL THEN RECOMMEND TO THE BOARD FOR ACTION DISCIPLINARY AND CORRECTIVE MEASURES APPROPRIATE TO THE SITUATION. CURRENTLY, JFLA IS WORKING ON DEVELOPING A MORE DETAILED POLICY.
FORM 990, PART VI, SECTION B, LINE 15	THE EXECUTIVE DIRECTOR'S SALARY IS REVIEWED AND APPROVED BY AN INDEPENDENT BOARD OF DIRECTORS IN A CLOSED DOOR SESSION IN WHICH ALL MEETINGS ARE DOCUMENTED. THE BOARD REVIEWS THE EXECUTIVE DIRECTOR'S SALARY USING THE SOUTHERN CALIFORNIA CENTER FOR NONPROFIT MANAGEMENT COMPENSATION AND BENEFITS SURVEY AND OTHER ORGANIZATIONS' ISSUED FORM 990S. THE BOARD COMPARES THE EXECUTIVE DIRECTOR'S SALARY TO SALARIES OF THE EXECUTIVES AT THE FREE LOAN ASSOCIATIONS IN NEW YORK AND SAN FRANCISCO, AS WELL AS TO EXECUTIVES WITHIN THE JEWISH FEDERATION SYSTEM.
FORM 990, PART VI, SECTION C, LINE 19	THE ORGANIZATION'S GOVERNING DOCUMENTS, CONFLICT OF INTEREST POLICY, AND FINANCIAL STATEMENTS ARE AVAILABLE TO THE PUBLIC UPON REQUEST.
FORM 990, PART IX, LINE 11G	CONSULTING FEES: PROGRAM SERVICE EXPENSES 181,162. MANAGEMENT AND GENERAL EXPENSES 39,292. FUNDRAISING EXPENSES 35,638. TOTAL EXPENSES 256,092. OUTSIDE SERVICES: PROGRAM SERVICE EXPENSES 3,978. MANAGEMENT AND GENERAL EXPENSES 2,121. FUNDRAISING EXPENSES 748. TOTAL EXPENSES 6,847.