BREAD OF LIFE OUT OF COLDEN NY INC (EIN 273172986) - 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

1999

Legal Domicile

Principal Officer

MARTIN MCMAHON

Phone

7169413550

Tax Period

2025-01-01 to 2025-12-31

BREAD OF LIFE OUT OF COLDEN NY INC, founded in 1999, is a small nonprofit in the Human Services sector that reported $167K in total revenue in fiscal year 2025. Revenue surged 24% from the prior year, signaling strong growth momentum. The organization ran a surplus of $40K, a strong 24% operating margin.

Mission

TO SERVE NEEDY FAMILIES IN ERIE COUNTY, NY

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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 (2025)

Revenue Breakdown

Contributions & Grants $150,982

Program Service Revenue $0

Investment Income $16,262

Other Revenue $0

TOTAL REVENUE $167,244

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $6,104

Program Expenses $72,669

Other Expenses $127,494

TOTAL EXPENSES $127,494

Year-over-Year Comparison

	2025	2024	Change
Revenue	$167,244	$134,574	+0.2%
Expenses	$127,494	$92,716	+0.4%
Net Income	$39,750	$41,858	-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

N/A

Employees

N/A

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
CATHY GEIST	EXECUTIVE DIR	40.00	Officer Director	$0	$0	$0
MICHELLE MCMAHON	CHAIRMAN	16.00	Director	$0	$0	$0
VICE CHAIRMAN	TRUSTEE	8.00	Director	$0	$0	$0
MARTIN MCMAHON	TREASURER	32.00	Director	$0	$0	$0
MARCOLE FEUZ	TRUSTEE	8.00	Director	$0	$0	$0
RYAN MCCANN	DIRECTOR	8.00	Director	$0	$0	$0
PAT PRUCNAL	DIRECTOR	8.00	Director	$0	$0	$0
HEATHER TRINKLE	DIRECTOR	8.00	Director	$0	$0	$0
KEVIN TRINKLE	DIRECTOR	8.00	Director	$0	$0	$0
DEAN BIELER	DIRECTOR	8.00	Director	$0	$0	$0
LINDA RAINFORTH	SECRETARY TO THE BOARD	8.00	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	$167,244	$127,494	$428,241	$39,750
2024	$134,574	$92,716	$391,101	$41,858
2023	$117,143	$107,874	$349,243	$9,269
2022	$108,136	$82,148	$323,054	$25,988
2021	$141,346	$114,846	$296,627	$26,500
2020	$201,030	$96,553	$264,368	$104,477

BREAD OF LIFE OUT OF COLDEN NY INC