The Bread of Life Inc (EIN 562053857) - Form 990 Financial Analysis & Trantor Score

🔒

Financial Vulnerability Assessment (Tuckman-Chang)

4 risk indicators measuring financial stability and operational resilience

Sign in with your work email to view Tuckman-Chang indicators

Financial Trends

Organization Details

Formation Year

1996

Legal Domicile

Phone

8288773577

Tax Period

2025-01-01 to 2025-12-31

The Bread of Life Inc, founded in 1996, is a community nonprofit in the Food, Agriculture & Nutrition sector that reported $1.5M in total revenue in fiscal year 2025. Revenue surged 200% from the prior year, signaling strong growth momentum. The organization ran a surplus of $1.0M, a strong 68% operating margin.

Mission

Community kitchen and emergency pantry

🔒

Trantor Score

Financial Health Score (300–850) · Liquidity · Solvency · Sustainability · Efficiency

Sign in to view Trantor Score and financial metrics

Liquidity (40%) • Solvency (30%) • Sustainability (20%) • Efficiency (10%)

Financial Overview (2025)

Revenue Breakdown

Contributions & Grants $1,482,561

Program Service Revenue $0

Investment Income $42,316

Other Revenue $0

TOTAL REVENUE $1,524,877

Expense Breakdown

Grants Paid $0

Salaries & Benefits $173,734

Fundraising Expenses $7,526

Program Expenses $414,053

Other Expenses $313,233

TOTAL EXPENSES $486,967

Year-over-Year Comparison

	2025	2024	Change
Revenue	$1,524,877	$508,582	+2.0%
Expenses	$486,967	$306,913	+0.6%
Net Income	$1,037,910	$201,669	+4.1%

Key Indicators

✗ Grants to Organizations ✗ Grants to Individuals ✗ Lobbying ✗ Political Activity ✗ Foreign Activities ✗ Donor Advised Fund ✓ Schedule B Required

🔒

Financial Health Indicators

Comprehensive financial analysis: Altman Z-Score, liquidity, solvency, sustainability, efficiency, and growth metrics

Financial Distress Indicator

Liquidity & Cash Position

Sign in to view all financial metrics

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

$123,946

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Sergio Fernandez	Exective Director	0.00	Officer	$81,436	$0	$81,436
Paula Wesley	Finance Manager	40.00	Officer	$42,510	$0	$42,510
Paul Komar	Vice President	25.00	Officer	$0	$0	$0
Dick Hennig	Tresurer	20.00	Officer	$0	$0	$0
Jann Mellman	President	30.00	Officer	$0	$0	$0
Jayne Field	Secretary	15.00	Officer	$0	$0	$0
Betsy Peffley	Director	20.00	Officer	$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
2025	$1,524,877	$486,967	$2,262,770	$1,037,910
2024	$508,582	$306,913	$1,225,474	$201,669
2023	$345,217	$239,278	$1,030,684	$105,939
2022	$318,124	$267,311	$752,041	$50,813
2021	$296,216	$170,761	$701,297	$125,455
2020	$394,914	$168,586	$575,094	$226,328

The Bread of Life Inc