Loaves and Fishes of Contra Costa (EIN 680018077) - 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

1983

Legal Domicile

Principal Officer

Michael Wilson

Phone

9252934792

Tax Period

2024-07-01 to 2025-06-30

Loaves and Fishes of Contra Costa, founded in 1983, is a community nonprofit that reported $3.6M in total revenue in fiscal year 2024. Revenue surged 26% from the prior year, signaling strong growth momentum.

Mission

The mission of Loaves and Fishes of Contra Costa is to provide community based food programs and partner services that focus on basic needs. We Nourish Lives!

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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 $3,290,889

Program Service Revenue $291,645

Investment Income $50,886

Other Revenue $-41,207

TOTAL REVENUE $3,592,213

Expense Breakdown

Grants Paid $0

Salaries & Benefits $1,368,033

Fundraising Expenses $360,140

Program Expenses $3,002,176

Other Expenses $2,179,217

TOTAL EXPENSES $3,547,250

Year-over-Year Comparison

	2024	2023	Change
Revenue	$3,592,213	$2,859,429	+0.3%
Expenses	$3,547,250	$2,929,130	+0.2%
Net Income	$44,963	$-69,701	-1.6%

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

N/A

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

$266,131

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Janette Kennedy	ED Development	40.00	Officer	$135,873	$5,056	$140,929
Joleen Lafayette	ED - Operations	40.00	Officer	$123,854	$1,348	$125,202
Michael Wilson	Board Chair	8.00	Officer Director	$0	$0	$0
Pam Price-Berquist	Vice Chair	8.00	Officer Director	$0	$0	$0
Jim Petraglia	Treasurer	4.00	Officer Director	$0	$0	$0
Michael Kofford	Secretary	2.00	Officer Director	$0	$0	$0
Logan Campbell	Director	3.00	Director	$0	$0	$0
Tammy Gard	Director	2.00	Director	$0	$0	$0
Neil Roscoe	Director	2.00	Director	$0	$0	$0
Brian Siebold	Director	4.00	Director	$0	$0	$0
Jay Howard	Director	2.00	Director	$0	$0	$0
Jeff Rideout	Director	2.00	Director	$0	$0	$0
Karen Introcaso	Director	2.00	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	$3,592,213	$3,547,250	$2,934,077	$44,963
2024	$2,859,429	$2,929,130	$2,803,163	$-69,701
2023	$2,234,683	$2,592,617	$2,905,703	$-357,934
2022	$3,025,608	$2,329,634	$3,170,363	$695,974
2021	$2,758,849	$2,003,698	$2,540,052	$755,151
2020	$2,104,432	$1,736,734	$2,154,519	$367,698
2019	$1,724,748	$1,793,311	$1,667,900	$-68,563
2018	$1,854,799	$1,688,766	$1,740,784	$166,033

Loaves and Fishes of Contra Costa