BREAD INC (EIN 263407327) - 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

2008

Legal Domicile

Principal Officer

GEORGE JONES

Phone

2022652400

Tax Period

2024-07-01 to 2025-06-30

BREAD INC, founded in 2008, is a micro nonprofit in the Philanthropy & Grantmaking sector that reported $810 in total revenue in fiscal year 2024. Revenue surged 54% from the prior year, signaling strong growth momentum. Expenses of $689K exceeded revenue, resulting in a 84957% operating deficit.

Mission

THE MISSION OF THE BREAD, INC. IS TO PROVIDE FINANCIAL SUPPORT BY RAISING, MANAGING, AND DISTRIBUTING FUNDS ON BEHALF OF BREAD FOR THE CITY, INC.

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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 $0

Program Service Revenue $0

Investment Income $810

Other Revenue $0

TOTAL REVENUE $810

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $160

Other Expenses $688,962

TOTAL EXPENSES $688,962

Year-over-Year Comparison

	2024	2023	Change
Revenue	$810	$527	+0.5%
Expenses	$688,962	$628,936	+0.1%
Net Income	$-688,152	$-628,409	+0.1%

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

N/A

Volunteers

N/A

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

$385,739

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
GEORGE JONES	BREAD FOR CI	2.00	Officer	$0	$115,735	$385,739
NOWELL RUSH	DIRECTOR	1.00	Director	$1	$0	$1
CLAUS AAGAARD	DIRECTOR	1.00	Director	$0	$0	$0
MARK AARON	DIRECTOR	1.00	Director	$0	$0	$0
FRANCISCO AGUIRRE	DIRECTOR	1.00	Director	$0	$0	$0
MARY CHRISTIE	SECRETARY	2.00	Officer Director	$0	$0	$0
ROSALIND COHEN	DIRECTOR	1.00	Director	$0	$0	$0
JONATHAN FEE	PRESIDENT	2.00	Officer Director	$0	$0	$0
RACHEL FLIPSE	DIRECTOR	1.00	Director	$0	$0	$0
DONALD FRIEDMAN	VICE PRESIDE	2.00	Officer Director	$0	$0	$0
DENNIS GARRIS	DIRECTOR	1.00	Director	$0	$0	$0
DEFOREST GASKINS	DIRECTOR	1.00	Director	$0	$0	$0
ANTHONY HERMAN	DIRECTOR	1.00	Director	$0	$0	$0
MARIE HOFFMAN	DIRECTOR	1.00	Director	$0	$0	$0
AUTUMN HUNTER	DIRECTOR	1.00	Director	$0	$0	$0
TOKS LADEJOBI	DIRECTOR	1.00	Director	$0	$0	$0
KELLY LYNCH	DIRECTOR	1.00	Director	$0	$0	$0
COLETTE Z EDWARDS MD	DIRECTOR	1.00	Director	$0	$0	$0
DONNA M NEALE MD	DIRECTOR	1.00	Director	$0	$0	$0
AMANDA MAJOR	DIRECTOR	1.00	Director	$0	$0	$0
DAVE PASTRICK	DIRECTOR	1.00	Director	$0	$0	$0
ALAN PEMBERTON	DIRECTOR	1.00	Director	$0	$0	$0
STEVEN ROBERTS	DIRECTOR	1.00	Director	$0	$0	$0
RUDY SEIKALY	DIRECTOR	1.00	Director	$0	$0	$0
RONALD SHARPE	DIRECTOR	1.00	Director	$0	$0	$0
PAUL R TASKIER	DIRECTOR	1.00	Director	$0	$0	$0
DEREK THOMAS	TREASURER	2.00	Officer Director	$0	$0	$0
KATHERINE TOOMEY	DIRECTOR	1.00	Director	$0	$0	$0
DAVID UMANSKY	DIRECTOR	1.00	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
2025	$810	$688,962	$27,231,811	$-688,152
2024	$527	$628,936	$27,855,969	$-628,409
2023	$3,005	$629,939	$28,420,271	$-626,934
2022	$132,757	$582,563	$28,985,208	$-449,806
2021	$761,787	$44,247	$29,424,338	$717,540
2020	$63,105	$67,493	$28,920,160	$-4,388
2019	$4,103,872	$41,059	$28,476,571	$4,062,813

BREAD INC