LOAVES FISHES & COMPUTERS 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

2009

Legal Domicile

Principal Officer

JACOB SIEFKE

Phone

8313939260

Tax Period

2023-01-01 to 2023-12-31

LOAVES FISHES & COMPUTERS INC, founded in 2009, is a small nonprofit in the Human Services sector that reported $635K in total revenue in fiscal year 2023. Revenue surged 27% from the prior year, signaling strong growth momentum.

Mission

Loaves, Fishes and Computer's (LFC) mission is to help local individuals and families overcome the digital and economic divides by providing low to no-cost computer systems, digital literacy classes, hands-on technology workshops and technology assistance/computer repairs for low-income individuals, families, seniors, veterans, children, people with disabilities and non-profit organizations while providing volunteers an encouraging and gratifying place to learn about computer science and information technology.

Program Service Accomplishments

Program 1

Expenses: $134,675 Revenue: $37,852

Computer Refurbishing and Distribution and directly related admin. tasks. As the only non profit in Monterey and San Benito counties in the Microsoft Refurbisher Program. Since 2009 LFC has provided thousands of computer systems to economically disadvantaged and under-served individuals and families. Total number of computers sold to low-income applicants is 296. Total number of computer accessories (e.g. mouse, keyboard, monitors) is 200 and total number of computers donated is 35

Program 2

Expenses: $7,230 Revenue: $2,032

Computer Repairs. LFC has conducted hundreds of repairs through its low cost technical assistance and repair services to support individuals and families in need. These services are primarily offered by a dedicated group of volunteers who not only gain technical skills but also learn empathy and community service. Total number of repairs is 170

Program 3

Expenses: $282,922 Revenue: $79,519

Instruction & Classes. In 2024, LFC significantly advanced digital literacy among local individuals and families by organizing and delivering comprehensive digital literacy classes on Chromebook...

Instruction & Classes. In 2024, LFC significantly advanced digital literacy among local individuals and families by organizing and delivering comprehensive digital literacy classes on Chromebook platforms across schools, nonprofits, and libraries, serving hundreds of adults and young adults. Through our "Connecting Seniors with Technology" program, we provided personalized and small-group instruction and support to seniors ages 60 and over. Additionally, LFC hosted a unique adult-and-child workshop focused on internet safety, where participants created art using e-waste materials. Total number of adults and young adults served: 600 Total seniors served through Connecting Seniors with Technology : 465 Total participants in adult-and-child workshops: 80

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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 $495,748

Program Service Revenue $119,403

Investment Income $14

Other Revenue $19,743

TOTAL REVENUE $634,908

Expense Breakdown

Grants Paid $0

Salaries & Benefits $451,983

Fundraising Expenses $23,361

Program Expenses $424,827

Other Expenses $214,496

TOTAL EXPENSES $666,479

Year-over-Year Comparison

	2023	2022	Change
Revenue	$634,908	$500,078	+0.3%
Expenses	$666,479	$491,460	+0.4%
Net Income	$-31,571	$8,618	-4.7%

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

$78,400

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
GABRIELA LOPEZ CHAVEZ	EXECUTIVE DIRECTOR	40	Key Emp	$78,400	$0	$78,400
STEPHEN LIEBERMAN	CHAIR	4	Officer Director	$0	$0	$0
JACOB SIEFKE	TREASURER	2	Officer Director	$0	$0	$0
DR GEORGE LENNO	SECRETARY	2	Officer Director	$0	$0	$0
STEPHEN BERNASCONI	DIRECTOR	2	Director	$0	$0	$0
HUGO ALAMEDA	DIRECTOR	2	Director	$0	$0	$0
BROOKE HIGGINS	DIRECTOR	2	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	No data	No data	No data	No data
2023	$634,908	$666,479	$271,111	$-31,571
2022	$500,078	$491,460	$280,316	$8,618
2021	$541,621	$448,424	$323,895	$93,197
2020	$496,831	$435,493	$180,929	$61,338
2019	$337,767	$361,380	$87,253	$-23,613
2018	$321,598	$290,284	$94,532	$31,314