LOAVES & FISHES INC (EIN 592792540) - 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

1984

Legal Domicile

Principal Officer

DINO RACHIELE

Phone

4078862597

Tax Period

2024-07-01 to 2025-06-30

LOAVES & FISHES INC, founded in 1984, is a community nonprofit that reported $1.7M in total revenue in fiscal year 2024. Revenue decreased 7% compared to the prior year.

Mission

IN THE NAME OF JESUS CHRIST THE COMPASSIONATE SAVIOR, WE SEEK TO MINISTER TO THE EXPRESSED PHYSICAL AND SPIRITUAL NEEDS OF PERSONS LIVING IN APOPKA AND SURROUNDING COMMUNITIES. OUR PRIMARY ACTIVITY IS WORKING AS A FOOD PANTRY FOR THE COMMUNITY.

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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 $1,648,874

Program Service Revenue $0

Investment Income $34,971

Other Revenue $0

TOTAL REVENUE $1,683,845

Expense Breakdown

Grants Paid $0

Salaries & Benefits $380,450

Fundraising Expenses $74,608

Program Expenses $1,435,115

Other Expenses $1,305,571

TOTAL EXPENSES $1,686,021

Year-over-Year Comparison

	2024	2023	Change
Revenue	$1,683,845	$1,811,932	-0.1%
Expenses	$1,686,021	$1,737,904	0.0%
Net Income	$-2,176	$74,028	-1.0%

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

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
JEFF LAREAU	DIRECTOR	N/A	Director	$0	$0	$0
MARK STEELE	DIRECTOR	N/A	Director	$0	$0	$0
FREDDIE FILMORE	VICE PRES	N/A	Officer	$0	$0	$0
DINO RACHIELE	PRES AND TRE	N/A	Officer	$0	$0	$0
MARTHA TOLAR	SECRETARY	N/A	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	$1,683,845	$1,686,021	$1,357,766	$-2,176
2024	$1,811,932	$1,737,904	$1,359,942	$74,028
2023	$1,345,787	$1,241,235	$1,285,914	$104,552
2022	$1,379,153	$1,389,214	$1,181,362	$-10,061
2021	$1,591,521	$1,437,298	$1,191,423	$154,223
2020	$1,565,881	$1,462,923	$1,037,200	$102,958
2019	$1,589,303	$1,536,634	$934,242	$52,669

LOAVES & FISHES INC