LOAVES & FISHES 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

2001

Principal Officer

RACHEL JOSSELYN

Phone

7069888885

Tax Period

2024-01-01 to 2024-12-31

LOAVES & FISHES INC, founded in 2001, is a small nonprofit in the Human Services sector that reported $236K in total revenue in fiscal year 2024. Revenue surged 34% from the prior year, signaling strong growth momentum. The organization ran a surplus of $52K, a strong 22% operating margin.

Mission

LOAVES NBSP; AMP; NBSP;FISHES NBSP;EXISTS NBSP;TO NBSP;GLORIFY NBSP;GOD NBSP;BY NBSP;PROVIDING NBSP;FOOD NBSP;AND NBSP;OTHER NBSP;ASSISTANCE NBSP;TO NBSP;THOSE NBSP;IN NBSP;NEED NBSP;ALL NBSP;SERVICES NBSP;ARE NBSP;TO NBSP;BE NBSP;OFFERED NBSP;WITHOUT NBSP;DISCRIMINATION NBSP;AS NBSP;AN NBSP;EXPRESSION NBSP;OF NBSP;CHRISTIAN NBSP;LOVE NBSP;AND NBSP;GENEROSITY

Program Service Accomplishments

Program 1

Expenses: $112,388

WEEKLY FOOD DISTRIBUTION TO THE UNEMPLOYED UNDER-EMPLOYED DISABLED AND ELDERLY. WE SERVE BETWEEN 75-100 HOUSEHOLDS (300 TO 380 INDIVIDUALS) EACH WEEK. WE ALSO SERVE 125 TO 200 HOUSEHOLDS EACH OF...

WEEKLY FOOD DISTRIBUTION TO THE UNEMPLOYED UNDER-EMPLOYED DISABLED AND ELDERLY. WE SERVE BETWEEN 75-100 HOUSEHOLDS (300 TO 380 INDIVIDUALS) EACH WEEK. WE ALSO SERVE 125 TO 200 HOUSEHOLDS EACH OF THREE HOLIDAYS PER YEAR THANKSGIVING CHRISTMAS AND EASTER WITH BOXES OF FOOD FOR THEIR HOLIDAY SUPPERS. THERE IS ALSO AN OUTREACH PROGRAM WHERE WE PROVIDE SHELF STABLE FOOD TO INDIVIDUALS VIA LOCAL COUNTY DROP OFF POINTS.

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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 (2024)

Revenue Breakdown

Contributions & Grants $236,304

Program Service Revenue $0

Investment Income $0

Other Revenue $0

TOTAL REVENUE $236,304

Expense Breakdown

Grants Paid $0

Salaries & Benefits $51,561

Fundraising Expenses $2,280

Program Expenses $112,388

Other Expenses $132,515

TOTAL EXPENSES $184,076

Year-over-Year Comparison

	2024	2023	Change
Revenue	$236,304	$175,901	+0.3%
Expenses	$184,076	$226,486	-0.2%
Net Income	$52,228	$-50,585	-2.0%

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

N/A

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

$40,000

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
RACHEL JOSSELYN	EXEC DIRECTOR	040.00	Director	$40,000	$0	$40,000
MATT LOVATO	PRESIDENT	003.00	Officer Director	$0	$0	$0
BRITTANEY HUSTON	VICE PRESIDENT	003.00	Officer Director	$0	$0	$0
JANE COFFIN	SECRETARY	003.00	Officer Director	$0	$0	$0
KEVIN DONAHUE	TREASURER	002.00	Officer Director	$0	$0	$0
MARY ANN LEIGHTON	BOARD MEMBER	016.00	Director	$0	$0	$0
APRIL SNOOK	BOARD MEMBER	001.00	Director	$0	$0	$0
RON RODERICK	BOARD MEMBER	001.00	Director	$0	$0	$0
DEBBIE WATTS	BOARD MEMBER	022.00	Director	$0	$0	$0
RANDY WRIGHT	BOARD MEMBER	001.00	Director	$0	$0	$0
TROY ERICKSON	ADVISOR	007.00		$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	No data	No data	No data	No data
2024	$236,304	$184,076	$460,659	$52,228
2023	$175,901	$226,486	$460,983	$-50,585
2022	$122,871	$158,994	$481,759	$-36,123
2021	$161,153	$125,368	$522,352	$35,785
2020	$223,063	$136,761	$464,098	$86,302