LOAVES AND FISHES

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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

1991

Legal Domicile

Principal Officer

TESSA MAY

Phone

8642323595

Tax Period

2024-01-01 to 2024-12-31

LOAVES AND FISHES, founded in 1991, is a small nonprofit in the Food, Agriculture & Nutrition sector that reported $702K in total revenue in fiscal year 2024. Revenue grew 11% year-over-year, indicating healthy expansion. Expenses of $675K left a modest 4% surplus.

Mission

"RESCUE" EXCESS PERISHABLE FOOD AND DELIVER IT TO CHARITABLE ORGANIZATIONS

Program Service Accomplishments

Program 1

Expenses: $578,957

LOAVES & FISHES IS A FOOD "RESCUE" PROGRAM THAT SECURES PERISHABLE FOOD DONATIONS FROM GROCERY STORES, RESTAURANTS, CORPORATIONS, CHURCHES, CATERERS AND FOOD BROKERS, AND DELIVERS RESCUED FOODTO MORE THAN 98 CHARITABLE ORGANIZATIONS SUCH AS SHELTERS, CHILDREN'S PROGRAMS, SOUP KITCHENS, FOOD PANTRIES, GROUP HOMES AND SENIOR PROGRAMS. THROUGH THE EFFORTS OF OVER 200 VOLUNTEERS WHO WORK 156 REGULAR ROUTES PER WEEK AND DONATE MORE THAN 7,000 HOURS OF SERVICE EACH YEAR TO ACCOMPLISH THE MISSION. IN 2022 LOAVES AND FISHES RESCUED OVER 2.3 MILLION POUNDS OF PERISHABLE FOOD FOR USE BY THE CHARITABLE ORGANIZATIONS WE SERVE.

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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 (2024)

Revenue Breakdown

Contributions & Grants $658,073

Program Service Revenue $0

Investment Income $20,461

Other Revenue $23,389

TOTAL REVENUE $701,923

Expense Breakdown

Grants Paid $0

Salaries & Benefits $477,737

Fundraising Expenses $38,620

Program Expenses $578,957

Other Expenses $196,819

TOTAL EXPENSES $674,556

Year-over-Year Comparison

	2024	2023	Change
Revenue	$701,923	$632,904	+0.1%
Expenses	$674,556	$611,786	+0.1%
Net Income	$27,367	$21,118	+0.3%

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

185

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

$76,884

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
TESSA MAY	EX. DIRECTOR	40.00	Officer	$76,884	$0	$76,884
BLAKE BROOKSHIRE	BOARD MEMBER	1.00	Director	$0	$0	$0
KATHRYN BURKE	CHAIR	1.00	Director	$0	$0	$0
ANN CAUBLE	BOARD MEMBER	1.00	Director	$0	$0	$0
SHAWNA FESLER	BOARD MEMBER	1.00	Director	$0	$0	$0
N/A	BOARD MEMBER	1.00	Director	$0	$0	$0
LINDSEY NIEDRINGHAUS	BOARD MEMBER	1.00	Director	$0	$0	$0
CARMEN OGLES	BOARD MEMBER	1.00	Director	$0	$0	$0
N/A	BOARD MEMBER	1.00	Director	$0	$0	$0
ANTHONY QUARTARARO	BOARD MEMBER	1.00	Director	$0	$0	$0
ZANDR TESOLOWSKI	VICE CHAIR	1.00	Director	$0	$0	$0
LAURA TURNER	TREASURER	1.00	Director	$0	$0	$0
ALEX VITOU	CHAIR	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
2025	No data	No data	No data	No data
2024	$701,923	$674,556	$1,635,385	$27,367
2023	$632,904	$611,786	$957,420	$21,118
2022	$582,005	$552,140	$936,302	$29,865
2021	$516,163	$428,389	$906,438	$87,774
2020	$648,349	$493,084	$818,664	$155,265
2019	$462,862	$402,969	$663,399	$59,893