BEDFORD COMMUNITY TABLE-PANTRY INC

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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

1991

Legal Domicile

Principal Officer

Janet Pendleton

Phone

6175389861

Tax Period

2023-07-01 to 2024-06-30

BEDFORD COMMUNITY TABLE-PANTRY INC, founded in 1991, is a small nonprofit in the Human Services sector that reported $151K in total revenue in fiscal year 2023. Revenue grew 19% year-over-year, indicating healthy expansion. The organization ran a surplus of $112K, a strong 74% operating margin.

Mission

To fight food insecurity and honor the dignity of all community members by supporting food assistance efforts in and around Bedford, MA.

Program Service Accomplishments

Program 1

Expenses: $26,335 Revenue: $0

Supported Bedford Food Bank, which distributed over 200,000 lbs of food to Bedford households in need.

Program 2

Expenses: $5,000 Revenue: $0

Supported Gaining Ground in Concord, MA

Program 3

Expenses: $3,800 Revenue: $0

Provided grocery cards for immigrant families living in a Bedford shelter hotel.

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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 (2023)

Revenue Breakdown

Contributions & Grants $132,130

Program Service Revenue $0

Investment Income $18,946

Other Revenue $0

TOTAL REVENUE $151,076

Expense Breakdown

Grants Paid $35,075

Salaries & Benefits $0

Fundraising Expenses $3,609

Program Expenses $35,135

Other Expenses $4,480

TOTAL EXPENSES $39,555

Year-over-Year Comparison

	2023	2022	Change
Revenue	$151,076	$127,392	+0.2%
Expenses	$39,555	$31,919	+0.2%
Net Income	$111,521	$95,473	+0.2%

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

N/A

Employees

N/A

Volunteers

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

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Janet A Pendleton	President and Treasurer	8	Officer Director	$0	$0	$0
Deborah Quinn	Vice President	5	Officer Director	$0	$0	$0
Judy Watkins	Clerk	3	Officer Director	$0	$0	$0
Wendy Innis	Assistant Treasurer	1	Officer Director	$0	$0	$0

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	No data	No data	No data	No data
2024	$151,076	$39,555	$552,643	$111,521