BREAD OF LIFE (EIN 204538532) - 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

2006

Legal Domicile

Principal Officer

DARCY WHARTON

Phone

9166481803

Tax Period

2024-01-01 to 2024-12-31

BREAD OF LIFE, founded in 2006, is a small nonprofit in the Religion sector that reported $184K in total revenue in fiscal year 2024. Revenue decreased 14% compared to the prior year. Expenses of $227K exceeded revenue, resulting in a 23% operating deficit.

Mission

MISSION: BREAD OF LIFE OFFERS COMMUNITY AND PRACTICES THAT SUPPORT THE INTENTIONAL SPIRITUAL JOURNEY TOWARD FULLNESS OF LIFE AND COURAGEOUS OFFERING OF GIFTS TO THE WORLD. VISION: TRANSFORMED PEOPLE LIVING INTO THEIR GIFTS AND SEEDING A WISDOM WAY IN THE WORLD THAT HONORS THE SACRED IN EVERY PERSON AND ALL OF CREATION.

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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 $115,708

Program Service Revenue $46,064

Investment Income $7,988

Other Revenue $14,500

TOTAL REVENUE $184,260

Expense Breakdown

Grants Paid $0

Salaries & Benefits $120,585

Fundraising Expenses $21,814

Program Expenses $174,286

Other Expenses $106,712

TOTAL EXPENSES $227,297

Year-over-Year Comparison

	2024	2023	Change
Revenue	$184,260	$213,475	-0.1%
Expenses	$227,297	$184,714	+0.2%
Net Income	$-43,037	$28,761	-2.5%

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
PETER CHAN	BOARD MEMBER	2.00	Director	$0	$0	$0
SUSAN HAYWARD	VICE PRESIDE	2.00	Officer Director	$0	$0	$0
SANDRA LOMMASSON	BOARD MEMBER	2.00	Director	$0	$0	$0
JIM PETERSON	TREASURER	2.00	Officer Director	$0	$0	$0
DARCY WHARTON	PRESIDENT	2.00	Officer	$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	$184,260	$227,297	$209,292	$-43,037
2023	$213,475	$184,714	$237,201	$28,761
2021	$175,017	$153,322	$139,434	$21,695
2020	$212,964	$141,093	$117,607	$71,871
2019	$300,399	$350,519	$60,505	$-50,120
2018	$503,583	$425,249	$107,375	$78,334

BREAD OF LIFE