MOBILE LOAVES & FISHES INC (EIN 742956081) - 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

ALAN GRAHAM

Phone

5123287299

Tax Period

2024-01-01 to 2024-12-31

MOBILE LOAVES & FISHES INC, founded in 2000, is a mid-sized nonprofit in the Religion sector that reported $41.4M in total revenue in fiscal year 2024. Revenue grew 10% year-over-year, indicating healthy expansion. The organization ran a surplus of $12.9M, a strong 31% operating margin.

Mission

TO PROVIDE FOOD AND CLOTHING AND PROMOTE DIGNITY TO OUR HOMELESS BROTHERS AND SISTERS IN NEED.

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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 $35,867,942

Program Service Revenue $2,527,615

Investment Income $2,588,923

Other Revenue $405,919

TOTAL REVENUE $41,390,399

Expense Breakdown

Grants Paid $8,693,040

Salaries & Benefits $9,987,570

Fundraising Expenses $2,001,477

Program Expenses $24,682,907

Other Expenses $9,760,155

TOTAL EXPENSES $28,440,765

Year-over-Year Comparison

	2024	2023	Change
Revenue	$41,390,399	$37,561,005	+0.1%
Expenses	$28,440,765	$21,441,787	+0.3%
Net Income	$12,949,634	$16,119,218	-0.2%

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

164

Volunteers

35473

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

$899,335

Total Directors

$383,744

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
ALAN GRAHAM	CEO	40.00	Officer Director	$347,121	$36,623	$383,744
LARRY SMITH	BOARD CHAIR	1.00	Officer Director	$0	$0	$0
CLINT BYBEE	TREASURER	1.00	Officer Director	$0	$0	$0
NEAL NOLAN	SECRETARY	1.00	Officer Director	$0	$0	$0
JEFF SERRA	DIRECTOR	1.00	Director	$0	$0	$0
SHERWYNN PATTON	DIRECTOR	1.00	Director	$0	$0	$0
BRIAN TOCHMAN	DIRECTOR	1.00	Director	$0	$0	$0
BRUCE AGNESS SEE SCHED O	DIRECTOR	1.00	Director	$0	$0	$0
BRIAN MCCLURE	DIRECTOR	1.00	Director	$0	$0	$0
MICHELLE BRIGANCE	DIRECTOR	1.00	Director	$0	$0	$0
NORMAN WITCHER	DIRECTOR	1.00	Director	$0	$0	$0
MIREYA ZAPATA	DIRECTOR	1.00	Director	$0	$0	$0
VENUS CHIN	DIRECTOR OF FINANCE	40.00	Officer	$117,225	$24,656	$141,881
KEVIN SHEPHERD	PRESIDENT	40.00	Officer	$167,111	$37,280	$204,391
BRENDA BELTRAN	CVO	40.00	Officer	$141,986	$27,333	$169,319
PATRICIA GRAHAM	DIRECTOR OF NEIGHBOR CARE	40.00	Highest	$133,415	$19,252	$152,667
TRACEE HENNEKE	DIRECTOR OF RELATIONSHIPS & GIVING	40.00	Highest	$116,873	$16,677	$133,550
SARAH SATTERLEE	DR. OF ARCHITECTURE & SITE DEV.	40.00	Highest	$115,486	$14,871	$130,357
KAREN YANG	DIRECTOR OF COMMUNICATIONS	40.00	Highest	$108,744	$11,221	$119,965
TAYLOR GRAHAM	DIRECTOR OF COMMUNITY EMPOWERMENT	40.00	Highest	$111,921	$17,516	$129,437

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
2024	$41,390,399	$28,440,765	$207,561,162	$12,949,634
2023	$37,561,005	$21,441,787	$182,785,633	$16,119,218
2022	$103,428,016	$15,309,934	$165,380,195	$88,118,082
2021	$34,134,306	$13,317,833	$62,321,585	$20,816,473
2020	$15,925,721	$12,328,410	$44,119,771	$3,597,311
2019	$13,019,642	$9,215,632	$38,498,063	$3,804,010
2018	$21,369,149	$7,688,756	$34,218,442	$13,680,393

MOBILE LOAVES & FISHES INC