THE BREAD GLOBAL 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

2017

Legal Domicile

Principal Officer

JUSTIN STEIDINGER

Phone

6153000821

Tax Period

2023-01-01 to 2023-12-31

THE BREAD GLOBAL INC, founded in 2017, is a small nonprofit in the Religion sector that reported $243K in total revenue in fiscal year 2023. Expenses of $271K exceeded revenue, resulting in a 12% operating deficit.

Mission

TO DEVELOP COMMUNITIES OF FAITH BASED ON DEEP RELATIONSHIP AND DOING LIFE TOGETHER FOR THE PURPOSE OF ADVANCING THE GOSPEL AND EMPOWERING THE NEXT GENERATION TO LEAD BY EXAMPLE

Program Service Accomplishments

Program 1

Expenses: $130,937 Revenue: $130,937

TO DEVELOP COMMUNITIES OF FAITH BASED ON DEEP RELATIONSHIP AND DOING LIFE TOGETHER FOR THE PURPOSE OF ADVANCING THE GOSPEL AND EMPOWERING THE NEXT GENERATION TO LEAD BY EXAMPLE

Program 2

Expenses: $64,132 Revenue: $64,132

SOCIAL COMMUNITY CREATION & DEVELOPMENT- IDENTIFY PEOPLE WHO ARE SEPARATE/INDIVIDUAL IN CULTURE AND CONNECT THEM WITH OTHERS THROUGH EVENTS & REGULAR GATHERINGS. PROVIDE FOOD AND REGULAR GATHERINGS.

Program 3

Expenses: $72,149 Revenue: $72,149

CHURCH PLANTING-ESTABLISHED NEW HOUSE CHURCH IN MURFREESBORO,TN. THIS INCLUDED WEEKLY WORSHIP SERVICES, SCRIPTURE STUDY, MEALS, PREACHING/TEACHING, ADMINISTRATION OF COMMUNAL ELEMENTS, ETC.

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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 $242,849

Program Service Revenue $0

Investment Income $0

Other Revenue $0

TOTAL REVENUE $242,849

Expense Breakdown

Grants Paid $101,802

Salaries & Benefits $78,804

Fundraising Expenses $0

Program Expenses $267,218

Other Expenses $90,737

TOTAL EXPENSES $271,343

Year-over-Year Comparison

	2023	2022	Change
Revenue	$242,849	$254,256	0.0%
Expenses	$271,343	$244,167	+0.1%
Net Income	$-28,494	$10,089	-3.8%

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

$6,600

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
JUSTIN STEIDINGER	PRESIDENT	20.00	Officer	$0	$0	$0
JON MCPETERS	SECRETARY/TREASURER	30.00	Officer	$6,600	$0	$6,600
MO OBAYAMI	DIRECTOR	0.50	Director	$0	$0	$0
MATT ROWLETT	DIRECTOR	0.50	Director	$0	$0	$0
SEAN STECKBECK	DIRECTOR	40.00	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
2023	$242,849	$271,343	No data	$-28,494
2022	$254,256	$247,828	$52,536	$6,428