Loaves and Fishes of Contra Costa

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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

Since 1983, Loaves and Fishes has served over 5 million meals to many thousands of hungry people throughout Contra Costa County.

Program Service Accomplishments

Program 1

Expenses: $2,124,982 Revenue: $291,645

Hot Meal ProgramThe Hot meal program serves people living in Contra Costa County who are experiencing food insecurity. Since 1983, Loaves and Fishes has served over 5 million meals to many thousands of hungry people. We have recruited thousands of volunteers and built an organization that has grown to serving over 251,000 meals, and distributing over 200 tons of groceries each fiscal year.Dining RoomsWe operate dining in Antioch, Bay Point, Martinez, Oakley, Pittsburg, and Walnut Creek where hot meals are provided. We Serve meals to the hungry without regard to race, religion, sex, age, place of residence or any other qualification.

Program 2

Expenses: $769,119

Culinary Arts Training ProgramThis 12-week Culinary Arts program includes training in the basics of a commercial kitchen, job retention and life skills. Our vision is to provide better preparation...

Culinary Arts Training ProgramThis 12-week Culinary Arts program includes training in the basics of a commercial kitchen, job retention and life skills. Our vision is to provide better preparation opportunities for students to obtain jobs that will lead to true careers and financial independence. Students are introduced to the robust Culinary Arts program at Diablo Valley College and are provided help in obtaining jobs in the culinary field. Upon completion of the class each student will have earned the requisite Safety and Sanitation License (ServSafe Certificate) required by law for all food related service workers.

Program 3

Expenses: $108,075

Mobile Unit: Mobile Unit gives LFCC the ability to reach people in need who cannot visit our 5 dining rooms. The mobile unit serves hot meals to anyone that is in need of food living in Contra Costa County. The delivery of meals is provided through partnerships such as other nonprofits, county programs and churches.

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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