LOAVES AND FISHES WARMING CENTER INC (EIN 862713931) - Form 990 Financial Analysis & Trantor Score

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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

2021

Legal Domicile

Principal Officer

Christine Lawrence

Phone

3158689073

Tax Period

2025-01-01 to 2025-12-31

LOAVES AND FISHES WARMING CENTER INC, founded in 2021, is a small nonprofit in the Human Services sector that reported $180K in total revenue in fiscal year 2025. Revenue surged 63% from the prior year, signaling strong growth momentum. The organization ran a surplus of $86K, a strong 48% operating margin.

Mission

We are a warming center that helps the homeless population in Herkimer NY have a warm place to stay during the cold winter months. We are open 10/1-4/30. We also have a clothing closet where individuals can come to get free food and clothing year round.

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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 $180,172

Program Service Revenue $0

Investment Income $0

Other Revenue $0

TOTAL REVENUE $180,172

Expense Breakdown

Grants Paid $0

Salaries & Benefits $79,255

Fundraising Expenses $0

Program Expenses $94,471

Other Expenses $15,216

TOTAL EXPENSES $94,471

Year-over-Year Comparison

	2025	2024	Change
Revenue	$180,172	$110,523	+0.6%
Expenses	$94,471	$129,704	-0.3%
Net Income	$85,701	$-19,181	-5.5%

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
Christine Lawrence	Vice President / Director of Operations	40	Highest	$31,600	$0	$31,600
Lori Macron	Board Member	5	Director	$0	$0	$0
Sandy Shephardson	Board Member	5	Director	$0	$0	$0
Gerry Manning	Board Member	20	Director	$0	$0	$0
Michele Brewer	Board Member	5	Director	$0	$0	$0
Sam Carbone	Board Member	5	Director	$0	$0	$0
Stephanie Sigler	Board Member	5	Director	$0	$0	$0
Victoria Long	Board Member	5		$0	$0	$0
Nicole Wilson	Secretary	15	Officer	$0	$0	$0
Cory Jones	Treasurer	5	Officer	$0	$0	$0
Joelle Faulks	President	20	Officer	$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	$180,172	$94,471	$76,423	$85,701
2024	No data	No data	No data	No data
2023	$56,416	$93,265	$9,903	$-36,849
2022	$200	$1,033	$46,752	$-833
2021	$51,900	$4,314	$47,586	$47,586

LOAVES AND FISHES WARMING CENTER INC