LOAVES & FISHES FOOD PANTRY INC (EIN 451498743) - 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 O'LEARY

Phone

4349967868

Tax Period

2024-01-01 to 2024-12-31

LOAVES & FISHES FOOD PANTRY INC, founded in 2011, is a community nonprofit in the Food, Agriculture & Nutrition sector that reported $3.0M in total revenue in fiscal year 2018. Revenue fell 28% from the prior year — a significant decline worth monitoring. Expenses of $3.0M left a modest 3% surplus.

Mission

LOAVES & FISHES PROVIDES NOURISHING FOOD WITH RESPECT AND DIGNITY TO ALL WHO SEEK ASSISTANCE, WHILE OFFERING ROBUST OPPORTUNITIES FOR COMMUNITY ENGAGEMENT THROUGH VOLUNTEERISM, PARTNERSHIPS, AND NUTRITION EDUCATION.

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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 $6,402,746

Program Service Revenue $0

Investment Income $42,884

Other Revenue $3,510

TOTAL REVENUE $6,449,140

Expense Breakdown

Grants Paid $5,267,646

Salaries & Benefits $541,326

Fundraising Expenses $58,351

Program Expenses $5,927,202

Other Expenses $263,890

TOTAL EXPENSES $6,072,862

Year-over-Year Comparison

	2024	2023	Change
Revenue	$6,449,140	$5,297,998	+0.2%
Expenses	$6,072,862	$4,932,398	+0.2%
Net Income	$376,278	$365,600	+0.0%

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

514

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

$101,393

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
JANE COLONY MILLS	EXECUTIVE DI	40.00	Officer	$101,393	$0	$101,393
ESMERALDA AMOS	DIRECTOR	0.50	Director	$0	$0	$0
J KERMIT ANDERSON	TREASURER, D	3.00	Officer Director	$0	$0	$0
JAMES BERLIN	DIRECTOR	0.50	Director	$0	$0	$0
GERALD DENNEY	DIRECTOR	0.00	Director	$0	$0	$0
TASHA DURRETT	DIRECTOR	0.00	Director	$0	$0	$0
LORNA GEROME	SECRETARY, D	1.00	Officer Director	$0	$0	$0
JOHN GRIFFIN	DIRECTOR	1.50	Director	$0	$0	$0
NATE HIXSON	DIRECTOR	1.50	Director	$0	$0	$0
STEPHANIE LYMAN	DIRECTOR	1.00	Director	$0	$0	$0
AMY O'LEARY	CHAIR, DIREC	5.00	Officer Director	$0	$0	$0
WILLIAM SCHOELWER	DIRECTOR	0.50	Director	$0	$0	$0
JENNIFER SULZBERGER	VICE CHAIR,	3.00	Officer Director	$0	$0	$0
SUSAN THOMAS	DIRECTOR	0.50	Director	$0	$0	$0
MOLLY B F WALLS	DIRECTOR	0.00	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	$6,449,140	$6,072,862	$4,932,964	$376,278
2023	$5,297,998	$4,932,398	$4,565,132	$365,600
2022	$4,783,848	$4,361,800	$4,204,284	$422,048
2021	$4,882,218	$4,303,974	$3,765,333	$578,244
2020	$5,577,729	$4,155,171	$3,228,180	$1,422,558
2019	$2,894,281	$2,905,151	$1,761,002	$-10,870
2018	$3,047,407	$2,951,523	$1,774,027	$95,884

LOAVES & FISHES FOOD PANTRY INC