LOAVES AND FISHES FOR ST LOUIS INC (EIN 431251264) - 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

1981

Legal Domicile

Principal Officer

JACKI MACINTOSH

Phone

3142913857

Tax Period

2023-01-01 to 2023-12-31

LOAVES AND FISHES FOR ST LOUIS INC, founded in 1981, is a community nonprofit in the Human Services sector that reported $3.4M in total revenue in fiscal year 2023. Expenses of $3.1M left a modest 8% surplus.

Mission

TO PROVIDE UPLIFTING AND SUPPORTIVE SERVICES THAT EMPOWER OUR CLIENTS TO BECOME FINANCIALLY SECURE AND HAVE A STABLE HOME. OUR GOAL IS TO PROVIDE HOMELESS AND PREVENTION SERVICES THAT HELP BREAK THE CYCLE OF HOMELESSNESS AND OFFER HOPE FOR A BETTER FUTURE.

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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 $3,687,190

Program Service Revenue $0

Investment Income $-28,234

Other Revenue $-232,011

TOTAL REVENUE $3,426,945

Expense Breakdown

Grants Paid $1,773,407

Salaries & Benefits $753,133

Fundraising Expenses $58,021

Program Expenses $2,829,690

Other Expenses $614,351

TOTAL EXPENSES $3,140,891

Year-over-Year Comparison

	2023	2022	Change
Revenue	$3,426,945	$3,407,860	+0.0%
Expenses	$3,140,891	$3,140,254	+0.0%
Net Income	$286,054	$267,606	+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

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

$116,742

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
JACKI MACINTOSH	EXECUTIVE DI	40.00	Officer	$99,937	$16,805	$116,742
PAULA EW CAREY-MOORE	DIRECTOR - V	N/A	Director	$0	$0	$0
JIM GREEN	DIRECTOR - V	N/A	Director	$0	$0	$0
BRUCE BACOTT	DIRECTOR - V	1.00	Director	$0	$0	$0
KYLE DENT	PRESIDENT	1.00	Officer Director	$0	$0	$0
DART FORD	DIRECTOR - V	1.00	Director	$0	$0	$0
STEVE OLASHWANGER	DIRECTOR - V	1.00	Director	$0	$0	$0
ASHLEY PHILLIPS	DIRECTOR - V	1.00	Director	$0	$0	$0
STEVEN VERITY	VICE PRESIDE	1.00	Officer Director	$0	$0	$0
JAN MUSCHANY	DIRECTOR - V	1.00	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
2024	No data	No data	No data	No data
2023	$3,426,945	$3,140,891	$2,102,796	$286,054
2022	$3,407,860	$3,140,254	$1,835,993	$267,606
2021	$2,313,956	$1,995,392	$1,183,052	$318,564
2020	$2,292,289	$1,978,422	$813,987	$313,867
2019	$1,650,799	$1,681,008	$496,296	$-30,209
2018	$1,778,231	$1,849,136	$519,141	$-70,905

LOAVES AND FISHES FOR ST LOUIS INC