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

1984

Legal Domicile

Phone

8052384742

Tax Period

2023-01-01 to 2023-12-31

LOAVES AND FISHES, founded in 1984, is a small nonprofit that reported $276K in total revenue in fiscal year 2023. Expenses of $321K exceeded revenue, resulting in a 16% operating deficit.

Mission

PROVIDE ASSISTANCE TO NEEDY PEOPLE IN THE AREAS CONSISTING OF FOOD, GASOLINE, LODGING AND MEDICAL CARE.

Program Service Accomplishments

Program 1

Expenses: $288,624

PROVIDE ASSISTANCE TO OVER 24,000 NEEDY PEOPLE IN THE AREAS OF FOOD, GASOLING, LODGING, MEDICAL CARE, AND OTHER MISCELLANCEOUS ASSISTANCE.

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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 (2023)

Revenue Breakdown

Contributions & Grants $276,338

Program Service Revenue $0

Investment Income $0

Other Revenue $0

TOTAL REVENUE $276,338

Expense Breakdown

Grants Paid $0

Salaries & Benefits $153,965

Fundraising Expenses $0

Program Expenses $288,624

Other Expenses $166,724

TOTAL EXPENSES $320,689

Year-over-Year Comparison

	2023	2022	Change
Revenue	$276,338	$285,731	0.0%
Expenses	$320,689	$321,640	0.0%
Net Income	$-44,351	$-35,909	+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

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

$65,000

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
MARIA MADRID SABI	Executive Dir.	40.00	Director	$65,000	$0	$65,000
BOB BURGESS	Trustee	1.00		$0	$0	$0
GUY DRUMMOND	President	1.00	Officer	$0	$0	$0
CAROLE GOODMAN	Vice President	1.00	Officer	$0	$0	$0
DEBBIE LAURIDSEN	Treasurer	1.00	Officer	$0	$0	$0
SANDY NEWSOME	Secretary	1.00	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
2024	No data	No data	No data	No data
2023	$276,338	$320,689	$173,490	$-44,351
2022	$285,731	$321,640	$217,841	$-35,909
2021	$313,135	$324,213	$253,750	$-11,078
2020	$375,703	$293,043	$264,828	$82,660
2018	$284,200	$280,714	$183,524	$3,486