BREAD & FISH MINISTRIES

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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

2005

Legal Domicile

Principal Officer

Ronnie Gentry

Phone

8287122811

Tax Period

2023-01-01 to 2023-12-31

BREAD & FISH MINISTRIES, founded in 2005, is a small nonprofit in the Religion sector that reported $153K in total revenue in fiscal year 2023. Revenue surged 36% from the prior year, signaling strong growth momentum. Expenses of $148K left a modest 3% surplus.

Mission

Upper Room Ministries is a ministry that has a passion for meeting the physical and spiritual needs of people, both locally and globally. Our primary emphasis is our ongoing efforts in Honduras. We partner with the local mission to construct homes, sponsor children to attend school, and conduct medical and dental clinics.

Program Service Accomplishments

Program 1

Expenses: $77,676 Revenue: $77,676

134 Honduran students were sponsored for school. The costs range from $30/month for students in elementary school to $140/month for students in either universities or specialized schools

Program 2

Expenses: $29,977 Revenue: $29,977

Tuition assistance was provided for students in Chile. The costs reflect tuition, supplies, books, and fees.

Program 3

Expenses: $7,500 Revenue: $7,500

Donations to local mission projects around NC

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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 $152,543

Program Service Revenue $0

Investment Income $0

Other Revenue $0

TOTAL REVENUE $152,543

Expense Breakdown

Grants Paid $115,153

Salaries & Benefits $0

Fundraising Expenses $14,250

Program Expenses $124,060

Other Expenses $32,374

TOTAL EXPENSES $147,527

Year-over-Year Comparison

	2023	2022	Change
Revenue	$152,543	$112,305	+0.4%
Expenses	$147,527	$139,277	+0.1%
Net Income	$5,016	$-26,972	-1.2%

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

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
Bob Rhinehart	Director	0	Director	$0	$0	$0
Boyd Winchester	Director	0	Director	$0	$0	$0
Kenny Mathias	Director	0	Director	$0	$0	$0
John Downing	President	1	Officer Director	$0	$0	$0
Tony Smith	Vice-President	0.5	Officer Director	$0	$0	$0
Terri Downing	Corresponding Secretary	1	Officer Director	$0	$0	$0
Ronda Brookshire	Recording Secretary	1	Officer Director	$0	$0	$0
Ronnie Gentry	Treasurer	4	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	$152,543	$147,527	$10,043	$5,016
2022	$112,305	$139,277	$5,027	$-26,972
2021	$210,631	$190,851	$31,999	$19,780
2020	$274,908	$264,544	$12,219	$10,364