CORTLAND LOAVES & FISHES INC (EIN 161236737) - 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

2003

Legal Domicile

Principal Officer

THOMAS CAMINITI

Phone

6077566195

Tax Period

2024-01-01 to 2024-12-31

CORTLAND LOAVES & FISHES INC, founded in 2003, is a small nonprofit in the Food, Agriculture & Nutrition sector that reported $227K in total revenue in fiscal year 2024. Revenue grew 9% year-over-year, indicating healthy expansion. The organization ran a surplus of $49K, a strong 22% operating margin.

Mission

PROVIDING MEALS TO THE NEEDY; SOUP KITCHEN

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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 $212,682

Program Service Revenue $0

Investment Income $18,823

Other Revenue $-4,822

TOTAL REVENUE $226,683

Expense Breakdown

Grants Paid $3,600

Salaries & Benefits $94,604

Fundraising Expenses $0

Program Expenses $162,635

Other Expenses $79,054

TOTAL EXPENSES $177,258

Year-over-Year Comparison

	2024	2023	Change
Revenue	$226,683	$207,958	+0.1%
Expenses	$177,258	$198,604	-0.1%
Net Income	$49,425	$9,354	+4.3%

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

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
KIM HILL	Executive Dir.	40.00	Director	$0	$0	$0
THOMAS CAMINITI	President	0.00	Officer Director	$0	$0	$0
SEAN MACK	Vice President	0.00	Officer Director	$0	$0	$0
ROBERT M SHAFER	Treasurer	0.00	Officer Director	$0	$0	$0
MARYBETH AUSTIN	Director	0.00	Director	$0	$0	$0
TERRY CAHILL	Director	0.00	Director	$0	$0	$0
JUDY HEATH	Director	0.00	Director	$0	$0	$0
LAUREN NELS	Director	0.00	Director	$0	$0	$0
LINDSAY MELDRIM	Director	0.00	Director	$0	$0	$0
ROSE BERGERON	Secretary	0.00	Officer Director	$0	$0	$0
THOMAS CANNON	DIRECTOR	0.00	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
2024	$226,683	$177,258	$365,601	$49,425
2023	$207,958	$198,604	$305,765	$9,354
2022	$158,739	$175,052	$256,918	$-16,313
2021	$261,641	$156,493	$323,652	$105,148
2020	$190,863	$132,693	$272,176	$58,170
2019	$123,844	$89,916	$243,502	$33,928
2018	$123,716	$94,234	$193,566	$29,482

CORTLAND LOAVES & FISHES INC