LOAVES & FISHES FOOD PANTRY INC (EIN 010726924) - Form 990 Financial Analysis & Trantor Score

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Financial Vulnerability Assessment (Tuckman-Chang)

4 risk indicators measuring financial stability and operational resilience

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Financial Trends

Organization Details

Formation Year

2002

Legal Domicile

Principal Officer

MARY TIMMONS

Phone

9787724627

Tax Period

2024-07-01 to 2025-06-30

LOAVES & FISHES FOOD PANTRY INC, founded in 2002, is a community nonprofit in the Human Services sector that reported $2.3M in total revenue in fiscal year 2024. Revenue decreased 6% compared to the prior year.

Mission

LOAVES & FISHES' MISSION IS TO PROVIDE NUTRITIOUS FOOD, IN AN ATMOSPHERE OF KINDNESS AND RESPECT, TO INDIVIDUALS IN NEED WHO RESIDE IN AYER, DEVENS, DUNSTABLE, GROTON, HARVARD, LITTLETON, AND SHIRLEY, MASSACHUSETTS.

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Trantor Score

Financial Health Score (300–850) · Liquidity · Solvency · Sustainability · Efficiency

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Liquidity (40%) • Solvency (30%) • Sustainability (20%) • Efficiency (10%)

Financial Overview (2024)

Revenue Breakdown

Contributions & Grants $2,150,215

Program Service Revenue $19,700

Investment Income $105,269

Other Revenue $0

TOTAL REVENUE $2,275,184

Expense Breakdown

Grants Paid $0

Salaries & Benefits $425,294

Fundraising Expenses $123,721

Program Expenses $2,078,947

Other Expenses $1,993,786

TOTAL EXPENSES $2,419,080

Year-over-Year Comparison

	2024	2023	Change
Revenue	$2,275,184	$2,424,405	-0.1%
Expenses	$2,419,080	$2,419,818	0.0%
Net Income	$-143,896	$4,587	-32.4%

Key Indicators

✗ Grants to Organizations ✗ Grants to Individuals ✗ Lobbying ✗ Political Activity ✗ Foreign Activities ✗ Donor Advised Fund ✓ Schedule B Required

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Financial Health Indicators

Comprehensive financial analysis: Altman Z-Score, liquidity, solvency, sustainability, efficiency, and growth metrics

Financial Distress Indicator

Liquidity & Cash Position

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Altman Z-Score • Liquidity Ratios • Solvency Analysis • Growth Indicators • Efficiency Metrics

Governance

Voting Members

Independent Members

Employees

Volunteers

531

Governance Policies

✓ Conflict of Interest Policy

✗ Whistleblower Policy

✗ Document Retention Policy

Special Practices & Reported Activities

✗ Operated a School

✗ Operated a Hospital

✗ Provided First Class Travel

✗ Reported Conflict of Interest

✗ Reported Asset Diversion

✗ Excess Benefit Transaction

✗ Made Political Expenditures

✗ Engaged in Lobbying

✗ Operated Donor Advised Fund

✗ Maintained Art Collections

✗ Filed Form 720

Compensation of Officers, Directors & Key Employees

Total Officers

$131,646

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
MARY TIMMONS	PRESIDENT	1.00	Officer Director	$0	$0	$0
BETH WALKER	CLERK	1.00	Officer Director	$0	$0	$0
KELLI HNATH	TREASURER	1.00	Director	$0	$0	$0
MERLE ADELMAN	MEMBER	1.00	Director	$0	$0	$0
JEFF HOWE	MEMBER	1.00	Director	$0	$0	$0
PATRICK KELLY	VICE PRESIDENT	1.00	Director	$0	$0	$0
RAMASREE PITLA	MEMBER	1.00	Director	$0	$0	$0
LESLIE ROW	MEMBER	1.00	Director	$0	$0	$0
HEIDI SIEGRIST	MEMBER	1.00	Director	$0	$0	$0
JIM BRESLAUER	MEMBER	1.00	Director	$0	$0	$0
PATRICIA STERN	EXECUTIVE DIRECTOR	40.00	Officer	$131,646	$0	$131,646

Note: Compensation data is self-reported by the organization on their Form 990. "Reportable Comp" includes salary, bonuses, and other reportable compensation from the organization and related organizations. "Other Comp" includes benefits, deferred compensation, and non-taxable benefits.

Historical Data

Year	Revenue	Expenses	Assets	Net Income
2025	$2,275,184	$2,419,080	$4,502,804	$-143,896
2024	$2,424,405	$2,419,818	$4,446,608	$4,587
2023	$2,010,171	$1,891,057	$4,206,589	$119,114
2022	$1,872,575	$1,570,047	$3,913,029	$302,528
2021	$2,266,930	$1,591,176	$4,063,523	$675,754
2020	$1,775,352	$1,447,857	$3,194,843	$327,495
2019	$2,076,138	$1,857,089	$2,788,885	$219,049

LOAVES & FISHES FOOD PANTRY INC