FIVE LOAVES FOUNDATION 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

2018

Legal Domicile

Principal Officer

C FRED CORNFORTH

Phone

2084598527

Tax Period

2021-01-01 to 2021-12-31

FIVE LOAVES FOUNDATION INC, founded in 2018, is a micro nonprofit in the Human Services sector that reported $52K in total revenue in fiscal year 2021. Revenue fell 74% from the prior year — a significant decline worth monitoring. Expenses of $65K exceeded revenue, resulting in a 25% operating deficit.

Mission

TO PROVIDE HUMANITARIAN RELIEF AND COMPASSION WHEREVER POSSIBLE, IN PARTNERSHIP WITH CHURCHES, CIVIC GROUPS AND OTHER FOUNDATIONS.

Program Service Accomplishments

Program 1

Expenses: $65,040

TO PROVIDE HUMANITARIAN RELIEF AND COMPASSION WHEREVER POSSIBLE, IN PARTNERSHIP WITH CHURCHES, CIVIC GROUPS AND OTHER FOUNDATIONS.

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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 (2021)

Revenue Breakdown

Contributions & Grants $52,000

Program Service Revenue $0

Investment Income $0

Other Revenue $185

TOTAL REVENUE $52,185

Expense Breakdown

Grants Paid $65,000

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $65,040

Other Expenses $40

TOTAL EXPENSES $65,040

Year-over-Year Comparison

	2021	2020	Change
Revenue	$52,185	$197,943	-0.7%
Expenses	$65,040	$235,331	-0.7%
Net Income	$-12,855	$-37,388	-0.7%

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

N/A

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
LIA GRIFFITH	DIRECTOR	1.00	Director	$0	$0	$0
HEATHER HAMILTON	DIRECTOR	1.00	Director	$0	$0	$0
PARKASH PILLEY	DIRECTOR	1.00	Director	$0	$0	$0
ALLEN TAYLOR	DIRECTOR	1.00	Director	$0	$0	$0
JULIAN WADDELL	DIRECTOR	1.00	Director	$0	$0	$0
KEVIN WELCH	DIRECTOR	1.00	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
2021	$52,185	$65,040	$277	$-12,855
2021	$52,185	$65,040	$277	$-12,855
2020	$197,943	$235,331	$13,132	$-37,388