FIVE LOAVES & TWO FISH FOOD PANTRY (EIN 273276308) - Form 990 Financial Analysis & Trantor Score

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Tuckman-Chang Vulnerability Assessment

4 risk indicators measuring financial stability and operational resilience

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Financial Trends

Organization Details

Formation Year

2011

Legal Domicile

Principal Officer

AMY DUNHAM

Phone

6786031238

Tax Period

2024-01-01 to 2024-12-31

FIVE LOAVES & TWO FISH FOOD PANTRY, founded in 2011, is a small nonprofit in the Human Services sector that reported $280K in total revenue in fiscal year 2020. Revenue surged 140% from the prior year, signaling strong growth momentum. The organization ran a surplus of $185K, a strong 66% operating margin.

Mission

THE ORGANIZATION OPERATES A FOOD BANK WHICH PROVIDES FOOD FOR AT RISK HOUSEHOLDS.

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Trantor Score

Financial Health & Payment Capacity Assessment (FICO Scale: 300–850)

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Liquidity (40%) • Solvency (30%) • Sustainability (20%) • Efficiency (10%)

Financial Overview (2024)

Revenue Breakdown

Contributions & Grants $333,513

Program Service Revenue $0

Investment Income $18,831

Other Revenue $0

TOTAL REVENUE $352,344

Expense Breakdown

Grants Paid $47,156

Salaries & Benefits $67,295

Fundraising Expenses $9,234

Program Expenses $133,967

Other Expenses $39,434

TOTAL EXPENSES $153,885

Year-over-Year Comparison

	2024	2023	Change
Revenue	$352,344	$248,781	+0.4%
Expenses	$153,885	$140,771	+0.1%
Net Income	$198,459	$108,010	+0.8%

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

$42,900

Total Directors

$42,900

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
WILLIAM S TRAWICK	EXECUTIVE DIRECTOR	40.00	Officer Director	$42,900	$0	$42,900
JENNIFER SMITH	BOARD MEMBER	3.00	Director	$0	$0	$0
RALPH JONES	BOARD MEMBER	3.00	Director	$0	$0	$0
GARY LESLIE	BOARD MEMBER	3.00	Director	$0	$0	$0
CAROL JONES	BOARD MEMBER	3.00	Director	$0	$0	$0
JIM OBRIEN	BOARD MEMBER	3.00	Director	$0	$0	$0
PAT FLEMING	BOARD MEMBER	3.00	Director	$0	$0	$0
AMY DUNHAM	BOARD CHAIR	10.00	Officer Director	$0	$0	$0
TERESA WATSON	SECRETARY	3.00	Officer Director	$0	$0	$0
DAVID HARDEN	VICE CHAIRMAN	8.00	Officer Director	$0	$0	$0
RANDY RAWLINGS	TREASURER	5.00	Officer 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	$352,344	$153,885	$766,831	$198,459
2023	$248,781	$140,771	$568,860	$108,010
2022	$155,358	$128,846	$460,304	$26,512
2021	$208,786	$95,735	$432,398	$113,051
2020	$279,783	$94,601	$318,879	$185,182

FIVE LOAVES & TWO FISH FOOD PANTRY