LOAVES & FISHES INC (EIN 273622452) - 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

2012

Legal Domicile

Principal Officer

Sandy Hill-Heredia

Phone

5755231272

Tax Period

2023-01-01 to 2023-12-31

LOAVES & FISHES INC, founded in 2012, is a community nonprofit in the Food, Agriculture & Nutrition sector that reported $1.7M in total revenue in fiscal year 2023. Revenue grew 20% year-over-year, indicating healthy expansion.

Mission

Loaves & Fishes, Inc. incorporated in 2012 to administer the Commodity Supplemental Food Program (CSFP) for the elderly on southern New Mexico.

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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 $1,740,260

Program Service Revenue $0

Investment Income $0

Other Revenue $0

TOTAL REVENUE $1,740,260

Expense Breakdown

Grants Paid $0

Salaries & Benefits $203,942

Fundraising Expenses $0

Program Expenses $1,756,679

Other Expenses $1,581,793

TOTAL EXPENSES $1,785,735

Year-over-Year Comparison

	2023	2022	Change
Revenue	$1,740,260	$1,454,662	+0.2%
Expenses	$1,785,735	$1,514,877	+0.2%
Net Income	$-45,475	$-60,215	-0.2%

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

$1,326

Total Directors

$1,326

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Joel Ortiz	President	2.00	Officer Director	$0	$0	$0
Denise Ortiz	Secretary	2.00	Officer Director	$1,326	$0	$1,326
Andrea Ferrales-Narvaez	Treasurer	2.00	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	No data	No data	No data	No data
2023	$1,740,260	$1,785,735	$468,177	$-45,475
2022	$1,454,662	$1,514,877	$529,769	$-60,215
2021	$1,864,244	$1,633,238	$589,648	$231,006
2020	$1,263,439	$1,454,228	$295,348	$-190,789
2019	$328,528	$333,696	$303,541	$-5,168
2018	$300,242	$300,268	$619,037	$-26

LOAVES & FISHES INC