LOAVES & FISHES COMMUNITY SERVICES (EIN 363786777) - 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

1991

Legal Domicile

Principal Officer

MICHAEL HAVALA

Phone

6303553663

Tax Period

2024-07-01 to 2025-06-30

LOAVES & FISHES COMMUNITY SERVICES, founded in 1991, is a mid-sized nonprofit in the Human Services sector that reported $38.1M in total revenue in fiscal year 2024. Expenses of $36.2M left a modest 5% surplus.

Mission

TO PROVIDE HEALTHY FOOD AND IMPACTFUL PROGRAMS TO PROMOTE SELF-SUFFICIENCY.

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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 $37,835,426

Program Service Revenue $0

Investment Income $315,274

Other Revenue $-30,959

TOTAL REVENUE $38,119,741

Expense Breakdown

Grants Paid $32,268,513

Salaries & Benefits $2,765,329

Fundraising Expenses $733,930

Program Expenses $35,108,069

Other Expenses $1,128,401

TOTAL EXPENSES $36,162,243

Year-over-Year Comparison

	2024	2023	Change
Revenue	$38,119,741	$37,033,098	+0.0%
Expenses	$36,162,243	$35,635,704	+0.0%
Net Income	$1,957,498	$1,397,394	+0.4%

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

1265

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

$277,109

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
KRISTEN REFNESS	BOARD CHAIR	2.00	Officer Director	$0	$0	$0
KEVIN O'HARA	VICE CHAIR FINANCE/TREASURER	2.00	Officer Director	$0	$0	$0
NICKI ANDERSON	VICE CHAIR GOVERNANCE	2.00	Officer Director	$0	$0	$0
ADAM FUCHS	VICE CHAIR ADVANCEMENT	2.00	Officer Director	$0	$0	$0
RICK LEBECK	VICE CHAIR OPERATIONS AND	2.00	Officer Director	$0	$0	$0
MEENA BANASIAK	SECRETARY	2.00	Officer Director	$0	$0	$0
NANCY COUCH	DIRECTOR	2.00	Director	$0	$0	$0
SUSAN HAINES	DIRECTOR	2.00	Director	$0	$0	$0
BARRY HOREK	DIRECTOR	2.00	Director	$0	$0	$0
JORGE IBARRA	DIRECTOR	2.00	Director	$0	$0	$0
MICHAEL MITCHEM	DIRECTOR	2.00	Director	$0	$0	$0
ALEX POPE	DIRECTOR	2.00	Director	$0	$0	$0
KADER SAKKARIA	DIRECTOR	2.00	Director	$0	$0	$0
DR AMY STOEFFLER	DIRECTOR	2.00	Director	$0	$0	$0
ASHFAQ SYED	DIRECTOR	2.00	Director	$0	$0	$0
JOEL WEINBERGER	DIRECTOR	2.00	Director	$0	$0	$0
KAREN WELLS	DIRECTOR	2.00	Director	$0	$0	$0
BENJAMIN WHITE	DIRECTOR	2.00	Director	$0	$0	$0
MICHAEL HAVALA	PRESIDENT & CEO	40.00	Officer	$242,058	$35,051	$277,109
MEGAN LYNCH	VP STRATEGIC PARTNERSHIPS	40.00	Highest	$128,700	$6,522	$135,222
NANCY WIERSUM	EVP ADVANCEMENT	40.00	Highest	$135,833	$1,338	$137,171

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	$38,119,741	$36,162,243	$18,077,933	$1,957,498
2024	$37,033,098	$35,635,704	$14,740,788	$1,397,394
2023	$24,444,689	$22,911,030	$12,989,771	$1,533,659
2022	$18,895,989	$15,808,545	$11,205,502	$3,087,444
2021	$16,985,682	$13,732,263	$8,586,957	$3,253,419

LOAVES & FISHES COMMUNITY SERVICES