BREAD OF LIFE COMMUNITY FOOD PANTRY INC (EIN 270545297) - 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

2009

Legal Domicile

Principal Officer

Debra Graham

Phone

5749361006

Tax Period

2024-01-01 to 2024-12-31

BREAD OF LIFE COMMUNITY FOOD PANTRY INC, founded in 2009, is a micro nonprofit in the Food, Agriculture & Nutrition sector that reported $74K in total revenue in fiscal year 2024. Revenue fell 64% from the prior year — a significant decline worth monitoring. Expenses of $101K exceeded revenue, resulting in a 36% operating deficit.

Mission

Provide food to disadvantaged families in Marshall County, Indiana.

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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 $74,240

Program Service Revenue $0

Investment Income $0

Other Revenue $0

TOTAL REVENUE $74,240

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $1,031

Program Expenses $88,464

Other Expenses $100,900

TOTAL EXPENSES $100,900

Year-over-Year Comparison

	2024	2023	Change
Revenue	$74,240	$205,027	-0.6%
Expenses	$100,900	$236,277	-0.6%
Net Income	$-26,660	$-31,250	-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

153

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
Terri Brandt	Director	15	Officer Director	$0	$0	$0
Linda Wruble	Secretary	10	Officer	$0	$0	$0
Debra Graham	Board Member-Financial Team	15	Officer	$0	$0	$0
Tom Wruble	Board Member	8	Officer	$0	$0	$0
Annika Polinski	Board Member-Advertising	5	Officer	$0	$0	$0
Annika Piazza	Board Member-Financial Team	15	Officer	$0	$0	$0
Marjorie Lockridge	Volunteer	30	Key Emp	$0	$0	$0
Diane Kaufman	Volunteer	30	Key Emp	$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	$74,240	$100,900	$311,000	$-26,660
2023	$205,027	$236,277	$362,472	$-31,250
2022	$199,990	$239,245	$375,525	$-39,255
2021	$307,455	$158,079	$398,785	$149,376
2020	$213,362	$131,671	$298,536	$81,691

BREAD OF LIFE COMMUNITY FOOD PANTRY INC