LOAVES & FISHES HOUSING INC

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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

2014

Legal Domicile

Principal Officer

BROOKE TAPP

Phone

2187283771

Tax Period

2025-01-01 to 2025-12-31

LOAVES & FISHES HOUSING INC, founded in 2014, is a small nonprofit in the Housing & Shelter sector that reported $125K in total revenue in fiscal year 2025. Revenue surged 234% from the prior year, signaling strong growth momentum. The organization ran a surplus of $72K, a strong 57% operating margin.

Mission

TO SUPPORT COMMUNITY-BASED SOLUTIONS TO HOMELESSNESS AND POVERTY

Program Service Accomplishments

Program 1

Expenses: $50,104

THE ORGANIZATION WILL HOLD TITLE TO AND ASSIST IN THE FUNDING AND MAINTAINING PROPERTIES INTENDED FOR COMMON USE AND WHICH PROMOTE THE COMMON GOOD, INCLUDING BUT NOT LIMITED TO LOW-INCOME COOPERATIVE HOUSING, TRANSITIONAL HOUSING, HOSPITALITY HOUSES FOR PEOPLE EXPERIENCING HOMELESSNESS, COMMUNITY BIKE SHOP AND COMMUNITY GARDENS.

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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 (2025)

Revenue Breakdown

Contributions & Grants $125,392

Program Service Revenue $0

Investment Income $42

Other Revenue $15

TOTAL REVENUE $125,449

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $50,104

Other Expenses $53,765

TOTAL EXPENSES $53,765

Year-over-Year Comparison

	2025	2024	Change
Revenue	$125,449	$37,614	+2.3%
Expenses	$53,765	$64,342	-0.2%
Net Income	$71,684	$-26,728	-3.7%

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

N/A

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
TERRI DRAHN	TREASURER	N/A	Officer Director	$0	$0	$0
CHELSEA FROEMKE	DIRECTOR	N/A	Director	$0	$0	$0
MEG KEARNS	DIRECTOR	N/A	Director	$0	$0	$0
MELANIE LAHR	DIRECTOR	N/A	Director	$0	$0	$0
ANTHONY LANZILLO	CO-CHAIR	N/A	Officer Director	$0	$0	$0
DORIS MALKMUS	DIRECTOR	N/A	Director	$0	$0	$0
BROOKE TAPP	CO-CHAIR	N/A	Officer 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	$125,449	$53,765	$836,168	$71,684
2024	$37,614	$64,342	$764,484	$-26,728
2023	$100,303	$87,148	$791,212	$13,155
2022	$233,443	$39,948	$793,658	$193,495
2021	$92,846	$40,977	$584,562	$51,869
2020	$96,049	$26,449	$532,694	$69,600
2019	$38,242	$34,777	$463,094	$3,465