LUCY J'S BAKERY 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

SCOTT READY

Phone

9012579206

Tax Period

2025-01-01 to 2025-12-31

LUCY J'S BAKERY INC, founded in 2017, is a small nonprofit in the Employment sector that reported $364K in total revenue in fiscal year 2025. Revenue decreased 13% compared to the prior year.

Mission

PROVIDES JOB TRAINING AND EMPLOYMENT WITH LIVING WAGES TO PARENTS WHO ARE WORKING TO TRANSITION OUT OF HOMELESSNESS.

Program Service Accomplishments

Program 1

Expenses: $320,195 Revenue: $364,030

LUCY J'S BAKERY PROVIDES JOB TRAINING AND EMPLOYMENT WITH LIVING WAGES TO PARENTS WHO ARE WORKING TO TRANSITION OUT OF HOMELESSNESS. THE BAKERY ALSO SUPPORTS LOCAL ORGANIZATIONS THROUGHOUT THE...

LUCY J'S BAKERY PROVIDES JOB TRAINING AND EMPLOYMENT WITH LIVING WAGES TO PARENTS WHO ARE WORKING TO TRANSITION OUT OF HOMELESSNESS. THE BAKERY ALSO SUPPORTS LOCAL ORGANIZATIONS THROUGHOUT THE COMMUNITY.

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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 $0

Program Service Revenue $364,030

Investment Income $0

Other Revenue $0

TOTAL REVENUE $364,030

Expense Breakdown

Grants Paid $0

Salaries & Benefits $174,741

Fundraising Expenses $0

Program Expenses $320,195

Other Expenses $211,104

TOTAL EXPENSES $385,845

Year-over-Year Comparison

	2025	2024	Change
Revenue	$364,030	$418,095	-0.1%
Expenses	$385,845	$417,411	-0.1%
Net Income	$-21,815	$684	-32.9%

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

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
ED CABIGAO	BOARD OF DIR	2.00	Director	$0	$0	$0
SR MAUREEN GRINER	BOARD OF DIR	2.00	Director	$0	$0	$0
SCOTT READY	BOARD CHAIR	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	$364,030	$385,845	$112,613	$-21,815
2024	$418,095	$417,411	$141,008	$684
2023	$406,613	$443,120	$150,204	$-36,507
2022	$307,576	$333,206	$189,539	$-25,630
2021	$226,426	$207,346	$215,214	$19,080
2020	$141,646	$179,064	$213,887	$-37,418
2019	$214,440	$272,132	$177,156	$-57,692