Civic Intelligence

Loaves and Fishes Inc

EIN 56-1398498 • 501(c)3 • Charlotte, NC

Profile

To reduce the incidence of hunger and malnutrition in mecklenburg county, n.c. By procuring and distributing groceries to people facing economic hardships.

901 Carrier DriveCharlotte, NC 28216

www.loavesandfishes.org

Siviq Scores

Precomputed percentiles relative to similar nonprofits. These scores are descriptive rather than judgmental.

Liabilities / Assets

26th percentile

0.12x

Higher debt load relative to assets than 26% of similar nonprofits.

NTEE P • $50M-$100M nonprofits • Source year 2024

Liabilities / Revenue

60th percentile

0.31x

Higher debt load relative to revenue than 60% of similar nonprofits.

NTEE P • $50M-$100M nonprofits • Source year 2024

Net Margin

87th percentile

42%

Higher net margin than 87% of similar nonprofits.

NTEE P • $50M-$100M nonprofits • Source year 2024

Top Officer Pay

7th percentile

$165,618

Higher top officer pay than 7% of similar nonprofits.

Top officer pay equals 0.8% of source-year revenue.

NTEE P • $50M-$100M nonprofits • Source year 2024

Asset Growth

75th percentile

16%

Faster asset growth than 75% of similar nonprofits.

NTEE P • $50M-$100M nonprofits • Annualized from 2023 to 2024

Revenue Growth

23rd percentile

1.8%

Faster revenue growth than 23% of similar nonprofits.

NTEE P • $50M-$100M nonprofits • Annualized from 2023 to 2024

Balance Sheet
Liabilities / Assets26th percentile

Assets

Up

$50,486,026

Up $6,860,597 (+16%) from 2023

Liabilities

Down

$6,310,682

Down $1,446,804 (-19%) from 2023

Net Assets

Up

$44,175,344

Up $8,307,401 (+23%) from 2023

Operations
Liabilities / Revenue60th percentileNet Margin87th percentile

Revenue

Up

$20,218,681

Up $362,183 (+1.8%) from 2023

Expenses

Up

$11,633,989

Up $3,114,772 (+37%) from 2023

Net Income

Down

$8,584,692

Down $2,752,589 (-24%) from 2023

Trend Graphs

Balance Sheet Trend

Asset Growth75th percentile

Grouped bars show assets, liabilities, and net assets across loaded filings.

$60M$40M$20M$0Assets 2011: $2,017,351Liabilities 2011: $10,808Net Assets 2011: $2,006,5432011Assets 2012: $1,722,630Liabilities 2012: $42,622Net Assets 2012: $1,680,0082012Assets 2013: $1,619,116Liabilities 2013: $24,663Net Assets 2013: $1,594,4532013Assets 2014: $1,692,131Liabilities 2014: $57,573Net Assets 2014: $1,634,5582014Assets 2015: $1,812,698Liabilities 2015: $52,524Net Assets 2015: $1,760,1742015Assets 2016: $1,687,375Liabilities 2016: $39,692Net Assets 2016: $1,647,6832016Assets 2017: $2,180,149Liabilities 2017: $27,124Net Assets 2017: $2,153,0252017Assets 2018: $4,156,789Liabilities 2018: $36,645Net Assets 2018: $4,120,1442018Assets 2019: $4,671,412Liabilities 2019: $54,892Net Assets 2019: $4,616,5202019Assets 2020: $8,805,222Liabilities 2020: $245,134Net Assets 2020: $8,560,0882020Assets 2021: $17,869,265Liabilities 2021: $154,786Net Assets 2021: $17,714,4792021Assets 2022: $30,745,098Liabilities 2022: $6,756,398Net Assets 2022: $23,988,7002022Assets 2023: $43,625,429Liabilities 2023: $7,757,486Net Assets 2023: $35,867,9432023Assets 2024: $50,486,026Liabilities 2024: $6,310,682Net Assets 2024: $44,175,3442024

Highlighted filing

2024

Assets$50,486,026
Liabilities$6,310,682
Net Assets$44,175,344
Open 2024 Filing

Operations Trend

Revenue Growth23rd percentile

Revenue, expenses, and net income by year, with the latest filing highlighted.

$30M$20M$10M$0-$10MRevenue 2011: $3,033,731Expenses 2011: $2,848,191Net Income 2011: $185,5402011Expenses 2012: $3,122,9512012Expenses 2013: $3,268,4272013Revenue 2014: $3,351,410Expenses 2014: $3,311,305Net Income 2014: $40,1052014Revenue 2015: $3,123,195Expenses 2015: $2,997,579Net Income 2015: $125,6162015Revenue 2016: $3,227,382Expenses 2016: $3,339,873Net Income 2016: -$112,4912016Revenue 2017: $3,650,161Expenses 2017: $3,158,747Net Income 2017: $491,4142017Revenue 2018: $5,381,353Expenses 2018: $3,462,718Net Income 2018: $1,918,6352018Revenue 2019: $4,239,891Expenses 2019: $3,849,012Net Income 2019: $390,8792019Revenue 2020: $9,510,550Expenses 2020: $5,674,160Net Income 2020: $3,836,3902020Revenue 2021: $11,460,660Expenses 2021: $6,776,077Net Income 2021: $4,684,5832021Revenue 2022: $15,404,200Expenses 2022: $7,954,148Net Income 2022: $7,450,0522022Revenue 2023: $19,856,498Expenses 2023: $8,519,217Net Income 2023: $11,337,2812023Revenue 2024: $20,218,681Expenses 2024: $11,633,989Net Income 2024: $8,584,6922024

Highlighted filing

2024

Revenue$20,218,681
Expenses$11,633,989
Net Income$8,584,692
Open 2024 Filing

Filings

Most recent year

2024 • Form 990Facts available. Structured filing facts are available, but richer extracted sections are limited.

Open filing
Assets
$50,486,026
Liabilities
$6,310,682
Net assets
$44,175,344
Revenue
$20,218,681
Expenses
$11,633,989
Net income
$8,584,692
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Facts available. Structured filing facts are available, but richer extracted sections are limited.$50.5$6.31$44.2$20.2$11.6$8.58
2023XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$43.6$7.76$35.9$19.9$8.52$11.3
2022Facts available. Structured filing facts are available, but richer extracted sections are limited.$30.7$6.76$24.0$15.4$7.95$7.45
2021XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$17.9$0.15$17.7$11.5$6.78$4.68
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$8.81$0.25$8.56$9.51$5.67$3.84
2019XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$4.67$0.05$4.62$4.24$3.85$0.39
2018XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$4.16$0.04$4.12$5.38$3.46$1.92
2017Facts available. Structured filing facts are available, but richer extracted sections are limited.$2.18$0.03$2.15$3.65$3.16$0.49
2016Detailed filing. Detailed filing data is available for this year.$1.69$0.04$1.65$3.23$3.34$0.11
2015XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$1.81$0.05$1.76$3.12$3.00$0.13
2014Detailed filing. Detailed filing data is available for this year.$1.69$0.06$1.63$3.35$3.31$0.04
2013Facts available. Structured filing facts are available, but richer extracted sections are limited.$1.62$0.02$1.59$3.27
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$1.72$0.04$1.68$3.12
2011Summary only. Only limited summary data is available for this year.$2.02$0.01$2.01$3.03$2.85$0.19
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Oct 1, 2023 to Sep 30, 2024
Signed
Sep 25, 2025
Return Version
2023v6.0
Gross Receipts
$20,294,482
Mission and Program Overview

Mission

To reduce the incidence of hunger and malnutrition in mecklenburg county, n.c. By procuring and distributing groceries to people facing economic hardships.

To reduce the incidence of hunger and malnutrition in Mecklenburg County by procuring and distributing groceries to people facing economic hardships and to deliver daily meals in a caring and friendly manner to individuals in our community who are unable due to age or infirmary to prepare their own meals.

Balance Sheet Detail
LineBeginningEndChange
Assets
Land, Buildings, and Equipment, Net$15,691,646$19,575,985▲ $3,884,339
Investments Other Securities$14,201,411$15,871,010▲ $1,669,599
Pledges and Grants Receivable$8,771,552$10,396,961▲ $1,625,409
Cash and Non-Interest-Bearing Accounts$3,159,041$2,320,895▼ $838,146
Savings and Temporary Cash Investments$930,692$1,450,282▲ $519,590
Prepaid Expenses and Deferred Charges$526,148$538,001▲ $11,853
Inventories for Sale or Use$264,107$265,049▲ $942
Intangible Assets$80,832$67,843▼ $12,989
Accounts Receivable-$0-
Other Notes and Loans Receivable, Net-$0-
Receivable From Disqualified Prsn-$0-
Receivables From Officers Etc-$0-
Investments Program Related-$0-
Investments in Publicly Traded Securities-$0-
Total Assets$43,625,429$50,486,026▲ $6,860,597
Other Assets Total-$0-
Liabilities
Mortgage Notes Payable Secured by Investment Property$6,383,007$6,128,423▼ $254,584
Other Liabilities$1,193,825--
Accounts Payable and Accrued Expenses$180,654$182,259▲ $1,605
Total Liabilities$7,757,486$6,310,682▼ $1,446,804
Net Assets / Fund Balance
Net Assets Without Donor Restrictions$23,438,344$30,244,361▲ $6,806,017
Net Assets With Donor Restrictions$12,429,599$13,930,983▲ $1,501,384
Total Net Assets Fund Balance$35,867,943$44,175,344▲ $8,307,401
Total Liabilities and Net Assets / Fund Balance$43,625,429$50,486,026▲ $6,860,597

Asset Categories

AssetBook ValueDepreciationBasis
Leasehold Improvements$11,202,541$141,804$11,344,345
Buildings$6,691,099$443,611$7,134,710
Equipment$468,850$821,371$1,290,221
Land$1,114,877-$1,114,877
Other Land Buildings$98,618$32,174$130,792

Endowment Activity

PeriodBeginningContrib.Gain/LossOther UsesEnd
2023$5,688,994$944,222▲ $1,410,331-$8,018,985
2022$5,089,714$3,477▲ $619,050-$5,688,994
2021$5,364,532$842,229▼ $1,093,826-$5,089,714
2020$2,483,849$2,139,512▲ $768,473-$5,364,532
2019$2,301,958$66,164▲ $115,727-$2,483,849
Compensation and Service Providers
Top Officer Pay7th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Tina PostelCEOFT$147,421$18,197$165,618
Danielle MooreCOOFT$102,907-$102,907
Lucy MitchellCDOFT$100,786-$100,786

Board Members and Trustees

NameTitle
Shana PlottPresident
Meredith JeffriesVice President
Aimee BaldwinDirector
Amalia Reyes JuchnikDirector
Brooks JaffaDirector
Carla ScottDirector
Cathy MorrisonDirector
Darius ChaseDirector
Erin Marie KellyDirector
Gary BobbDirector
Gregory TannerDirector
Jose RuizDirector
Joseph SangerDirector
Keith PehlDirector
Kimberly JohnsonDirector
Nicolle LewisDirector
Roy RedfernDirector
Russ FergusonDirector
Shelbra BoothDirector
Steve HagoodDirector
Tobe HolmesDirector
Tom FalishDirector
R Michael ElliotSecretary
Eduardo BreaTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$19,269,805
Program Service Revenue
$318,983
Investment Income
$527,416
Other Revenue
$102,477
All Other Contributions
$19,202,087
Change in Net Assets
$8,584,692

Noncash Contribution Practices

Property subject to holding requirements
No
Reviewed unusual noncash gifts
No
Third parties used for noncash contributions
No

Noncash Contributions

Contribution TypeReported AmountValuation Method
Food Inventory$4,636,337Fair Market Value (FMV)
Other Non Cash Contri Table$120,000Fair Market Value (FMV)
Other Non Cash Contri Table$82,398Fair Market Value (FMV)
Total Noncash Contributions$4,838,735-

Audited Revenue Reconciliation

Revenue per Audited Statements
$20,218,681
Revenue Not Reported on Form 990
$1,359,572
Total Revenue per Audited Statements
$21,578,253
Total Revenue per Form 990
$20,218,681
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Grants and Similar Amounts Paid$6,093,977
Salaries, Compensation, and Employee Benefits$2,801,899
Other Expenses$2,738,113
Total Fundraising Expense$1,104,390
Professional Fundraising Fees$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Grants to Domestic Individuals$6,093,977--$6,093,977
Other Salaries and Wages$1,235,806$294,965$562,014$2,092,785
Depreciation Depletion$558,286$11,511$5,756$575,553
Other Employee Benefits$215,879$55,438$93,548$364,865
Occupancy$290,831$722$377$291,930
All Other Expenses$80,549$165,076$43,195$288,820
Payroll Taxes$105,691$27,141$45,799$178,631
Interest$159,665$7,910$4,120$171,695
Current Officers, Directors, Trustees, and Key Employees$99,371$49,685$16,562$165,618
Fees for Services Other$763$21,321$121,522$143,606
Office Expenses$65,712$40,293$2,523$108,528
Other Expenses$98,871-$99,995$98,871
Insurance$50,783$15,732$5,012$71,527
Travel$31,574$3,541$2,514$37,629
Total Functional Expenses$9,836,264$693,335$1,104,390$11,633,989

Audited Expense Reconciliation

Line ItemAmount
Total Expenses per Audited Statements$11,770,852
Expenses per Audited Statements$11,633,989
Total Expenses per Form 990$11,633,989
Expenses Not Reported on Form 990$136,863
Fundraising, Events, and Gaming
Fundraising activities
Yes
Gaming activities
No
Professional fundraiser used
No

Fundraising and Gaming Totals

Line ItemAmount
Fundraising Gross Income$160,795
Fundraising Direct Expenses$67,719
Professional Fundraising Fees$0

Fundraising Events

EventGross ReceiptsGross RevenueDirect ExpensesNet Income
Luncheon of Hope$138,848$107,045$23,803$83,242
Tour de Turns$89,665$53,750$31,097$22,653
Total Events$228,513$160,795$67,719$93,076
Political and Lobbying Activity
Political campaign activity
No
Lobbying activity
No
Subject to proxy tax
No
Insider Transactions and Loans

Loans and Receivables

Line ItemBeginningEndChange
Receivables from Disqualified Persons-$0-
Receivables from Officers, Directors, Trustees, and Key Employees-$0-
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Audit committee
Yes
Backup withholding compliance
No
Business relationship with 35% controlled entity
No
Business relationship with family members
No
Business relationship with organization members
No
Material changes to governing documents
No
Compensation from other sources disclosed
No
CEO compensation reviewed
Yes
Other officer compensation reviewed
No
Conflict-of-interest policy
Yes
Audited financial statements prepared
No
Key decisions subject to board approval
No
Management duties delegated
No

Governance Explanations

Form 990, Part VI, Section B, Line 11B

“The Form 990 was provided to the finance committee for review. A copy was emailed to the board of directors before filing.”

Form 990, Part VI, Section B, Line 12C

“The organization regularly and consistently monitors and enforces compliance with the conflict of interest policy. Compliance is reviewed each September/October with the full board as the new board members join. Compliance is reviewed each September/October with the staff during annual performance reviews.”

Form 990, Part VI, Section B, Line 15A

“The executive committee reviewed the salaries of comparable positions for the Executive Director. They documented their meeting. No other officer were paid and the company had no key employees.”

Form 990, Part VI, Section C, Line 19

“Made available upon request.”

Filing and Contact Details

Filer

Filer Name
Nourish Up
EIN
56-1398498
Phone
7045234333
Address
901 Carrier Drive, Charlotte, NC 28216

Signing Officer

Name
Tina Postel
Title
CEO
Signed
2025-09-25
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Tina Postel
Formed
1984
Legal Domicile
Nc
Voting Board Members
24
Independent Board Members
24
Employees
63
Volunteers
4,000

Preparer

Firm
Foard and Company PA
Address
1347 Harding Place, Charlotte, NC 28204
Preparer
Robert Dobbins
Phone
7043721515
Supplemental Narrative

Financial Statement Notes

Part V, Line 4: Intended uses of the endowment fund.

“To further the mission of the organization”

Part XI, Line 2D: Other revenue amounts included in F/S but not included on form 990

“Rental expenses $0 Special event expenses $22117”

Part XII, Line 2D: Other expenses and losses per audited F/S

“Rental expenses $0 Special event expenses $22117”

Raw XML AppendixShowing 400 of 754 raw XML fields

This appendix keeps the raw XML leaves available for debugging and edge-case review. The human report above is the primary experience.

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IRS990/MissionDesc0To reduce the incidence of hunger and malnutrition in Mecklenburg County by procuring and distributing groceries to people facing economic hardships and to deliver daily meals in a caring and friendly manner to individuals in our community who are unable due to age or infirmary to prepare their own meals.
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