LOAVES & FISHES MINISTRIES (EIN 562185051) - 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

2000

Legal Domicile

Principal Officer

MARC SWANNER

Phone

2522571160

Tax Period

2023-07-01 to 2024-06-30

LOAVES & FISHES MINISTRIES, founded in 2000, is a community nonprofit in the Religion sector that reported $1.4M in total revenue in fiscal year 2023. Revenue surged 22% from the prior year, signaling strong growth momentum.

Mission

FOOD SUPPORT FOR QUALIFIED HOUSEHOLDS ASSISTANCE WITH RENT AND UTILITIES ON A NEED BASIS

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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 $1,378,252

Program Service Revenue $0

Investment Income $0

Other Revenue $0

TOTAL REVENUE $1,378,252

Expense Breakdown

Grants Paid $1,266,978

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $1,297,311

Other Expenses $139,003

TOTAL EXPENSES $1,405,981

Year-over-Year Comparison

	2023	2022	Change
Revenue	$1,378,252	$1,130,880	+0.2%
Expenses	$1,405,981	$1,142,216	+0.2%
Net Income	$-27,729	$-11,336	+1.4%

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

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
MARC SWANNER	CEO	5.000	Officer Director	$0	$0	$0
JACKIE BURNETT	Vice President	N/A	Officer Director	$0	$0	$0
HARRIET COOPER	Treasurer	5.000	Officer Director	$0	$0	$0
BRANDON PENN	Office Manager	1.000	Director	$0	$0	$0
ROSA JONES	Director of Operations	1.000	Officer Director	$0	$0	$0
ANN SPENCE	Board Member	N/A	Director	$0	$0	$0
SARAH WALKER	Director of PM	N/A	Director	$0	$0	$0
EDDIE OLIVER	Board Member	N/A	Director	$0	$0	$0
CAROL OLIVER	Board Member	N/A	Director	$0	$0	$0
FINLEY NEAL	Board Member	N/A	Director	$0	$0	$0
DAVID WILLIAMS	Board Member	1.000	Director	$0	$0	$0
ALICE CLAYTON	Board Member	N/A	Director	$0	$0	$0
EVELYN OSTENDORF	Board Member	14.00	Director	$0	$0	$0
JERRY BARBEE	Board Member	N/A	Director	$0	$0	$0
RICHARD SMITH	Board Member	N/A	Director	$0	$0	$0
JANET RUDASILL	Board Member	14.00	Director	$0	$0	$0
SHIRLEY MCCAIN	Board Member	N/A	Director	$0	$0	$0
LORI SILVER	Volunteer	11.00		$0	$0	$0
DIANE SOURELIS	Volunteer	3.000	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
2025	No data	No data	No data	No data
2024	$1,378,252	$1,405,981	$116,454	$-27,729
2023	$1,130,880	$1,142,216	$142,216	$-11,336
2022	$1,118,991	$1,132,439	$129,515	$-13,448
2021	$1,670,526	$1,607,819	$146,810	$62,707
2020	$1,189,163	$1,126,815	$93,517	$62,348
2019	$621,746	$612,879	$36,588	$8,867

LOAVES & FISHES MINISTRIES