Civic Intelligence

Loaves and Fishes

EIN 57-0931804 • 501(c)3 • Greenville, SC

Profile

"rescue" excess perishable food and deliver it to charitable organizations

25 Woods Lake Road Ste 810Greenville, SC 29607

www.loavesandfishesgreenville.com

Siviq Scores

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

Liabilities / Assets

79th percentile

0.40x

Higher debt load relative to assets than 79% of similar nonprofits.

501(c)3 • $1M-$5M nonprofits • Source year 2024

Liabilities / Revenue

88th percentile

0.93x

Higher debt load relative to revenue than 88% of similar nonprofits.

501(c)3 • $1M-$5M nonprofits • Source year 2024

Net Margin

49th percentile

3.9%

Higher net margin than 49% of similar nonprofits.

501(c)3 • $1M-$5M nonprofits • Source year 2024

Top Officer Pay

57th percentile

$76,884

Higher top officer pay than 57% of similar nonprofits.

Top officer pay equals 11.0% of source-year revenue.

501(c)3 • $1M-$5M nonprofits • Source year 2024

Asset Growth

92nd percentile

71%

Faster asset growth than 92% of similar nonprofits.

501(c)3 • $1M-$5M nonprofits • Annualized from 2023 to 2024

Revenue Growth

56th percentile

11%

Faster revenue growth than 56% of similar nonprofits.

501(c)3 • $1M-$5M nonprofits • Annualized from 2023 to 2024

Assets

Up

$1,635,385

Up $677,965 (+71%) from 2023

Liabilities

Up

$650,598

Up $650,598 from 2023

Net Assets

Up

$984,787

Up $27,367 (+2.9%) from 2023

Revenue

Up

$701,923

Up $69,019 (+11%) from 2023

Expenses

Up

$674,556

Up $62,770 (+10%) from 2023

Net Income

Up

$27,367

Up $6,249 (+30%) from 2023

Trend Graphs

Balance Sheet Trend

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

$2.0M$1.5M$1.0M$500K$0Assets 2011: $309,543Liabilities 2011: $6,711Net Assets 2011: $302,8322011Assets 2012: $273,121Liabilities 2012: $7,003Net Assets 2012: $266,1182012Assets 2013: $271,538Liabilities 2013: $8,208Net Assets 2013: $263,3302013Assets 2014: $260,216Liabilities 2014: $10,196Net Assets 2014: $250,0202014Assets 2015: $496,455Liabilities 2015: $2,392Net Assets 2015: $494,0632015Assets 2016: $501,002Liabilities 2016: $2,222Net Assets 2016: $498,7802016Assets 2017: $535,771Liabilities 2017: $2,222Net Assets 2017: $533,5492017Assets 2018: $603,506Liabilities 2018: $0Net Assets 2018: $603,5062018Assets 2019: $663,399Liabilities 2019: $0Net Assets 2019: $663,3992019Assets 2020: $818,664Liabilities 2020: $0Net Assets 2020: $818,6642020Assets 2021: $906,438Liabilities 2021: $0Net Assets 2021: $906,4382021Assets 2022: $936,302Liabilities 2022: $0Net Assets 2022: $936,3022022Assets 2023: $957,420Liabilities 2023: $0Net Assets 2023: $957,4202023Assets 2024: $1,635,385Liabilities 2024: $650,598Net Assets 2024: $984,7872024

Highlighted filing

2024

Assets$1,635,385
Liabilities$650,598
Net Assets$984,787

Operations Trend

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

$800K$600K$400K$200K$0-$200KRevenue 2011: $295,755Expenses 2011: $256,783Net Income 2011: $38,9722011Revenue 2012: $261,032Expenses 2012: $297,746Net Income 2012: -$36,7142012Revenue 2013: $293,779Expenses 2013: $296,567Net Income 2013: -$2,7882013Revenue 2014: $304,160Expenses 2014: $317,470Net Income 2014: -$13,3102014Revenue 2015: $568,580Expenses 2015: $324,537Net Income 2015: $244,0432015Revenue 2016: $398,845Expenses 2016: $394,128Net Income 2016: $4,7172016Revenue 2017: $404,452Expenses 2017: $383,712Net Income 2017: $20,7402017Revenue 2018: $464,079Expenses 2018: $394,122Net Income 2018: $69,9572018Revenue 2019: $462,862Expenses 2019: $402,969Net Income 2019: $59,8932019Revenue 2020: $648,349Expenses 2020: $493,084Net Income 2020: $155,2652020Revenue 2021: $516,163Expenses 2021: $428,389Net Income 2021: $87,7742021Revenue 2022: $582,005Expenses 2022: $552,140Net Income 2022: $29,8652022Revenue 2023: $632,904Expenses 2023: $611,786Net Income 2023: $21,1182023Revenue 2024: $701,923Expenses 2024: $674,556Net Income 2024: $27,3672024

Highlighted filing

2024

Revenue$701,923
Expenses$674,556
Net Income$27,367

Filings

Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$1.64$0.65$0.98$0.70$0.67$0.03
2023Detailed filing. Detailed filing data is available for this year.$0.96$0.00$0.96$0.63$0.61$0.02
2022Detailed filing. Detailed filing data is available for this year.$0.94$0.00$0.94$0.58$0.55$0.03
2021Detailed filing. Detailed filing data is available for this year.$0.91$0.00$0.91$0.52$0.43$0.09
2020Detailed filing. Detailed filing data is available for this year.$0.82$0.00$0.82$0.65$0.49$0.16
2019Detailed filing. Detailed filing data is available for this year.$0.66$0.00$0.66$0.46$0.40$0.06
2018Summary only. Only limited summary data is available for this year.$0.60$0.00$0.60$0.46$0.39$0.07
2017Summary only. Only limited summary data is available for this year.$0.54$0.00$0.53$0.40$0.38$0.02
2016Summary only. Only limited summary data is available for this year.$0.50$0.00$0.50$0.40$0.39$0.00
2015Summary only. Only limited summary data is available for this year.$0.50$0.00$0.49$0.57$0.32$0.24
2014Summary only. Only limited summary data is available for this year.$0.26$0.01$0.25$0.30$0.32$0.01
2013Summary only. Only limited summary data is available for this year.$0.27$0.01$0.26$0.29$0.30$0.00
2012Summary only. Only limited summary data is available for this year.$0.27$0.01$0.27$0.26$0.30$0.04
2011Summary only. Only limited summary data is available for this year.$0.31$0.01$0.30$0.30$0.26$0.04
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
Apr 28, 2025
Return Version
2024v5.0
Gross Receipts
$701,923
Mission and Program Overview

Mission

"rescue" excess perishable food and deliver it to charitable organizations

Balance Sheet Detail
LineBeginningEndChange
Assets
Land, Buildings, and Equipment, Net$197,665$790,656▲ $592,991
Savings and Temporary Cash Investments$529,653$563,813▲ $34,160
Cash and Non-Interest-Bearing Accounts$230,102$280,916▲ $50,814
Total Assets$957,420$1,635,385▲ $677,965
Liabilities
Unsecured Notes Loans Payable-$650,598-
Total Liabilities$0$650,598▲ $650,598
Net Assets / Fund Balance
Net Assets Without Donor Restrictions$957,420$984,787▲ $27,367
Total Net Assets Fund Balance$957,420$984,787▲ $27,367
Total Liabilities and Net Assets / Fund Balance$957,420$1,635,385▲ $677,965

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$650,598-$650,598
Equipment$140,058$343,906$483,964
Leasehold Improvements-$6,700$6,700
Compensation and Service Providers

Employees

NameTitleFull / Part TimeBaseTotal
Tessa MayEx. DirectorFT$76,884$76,884

Board Members and Trustees

NameTitle
-Chair
Kathryn BurkeChair
Alex VitouVice Chair
Ann CaubleBoard Member
Anthony QuartararoBoard Member
Blake BrookshireBoard Member
Carmen OglesBoard Member
Laura TurnerBoard Member
Lindsey NiedringhausBoard Member
Shawna FeslerBoard Member
Zandr TesolowskiBoard Member
-Treasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$658,073
Program Service Revenue
$0
Investment Income
$20,461
Other Revenue
$23,389
All Other Contributions
$137,757
Change in Net Assets
$27,367

Audited Revenue Reconciliation

Revenue per Audited Statements
$701,923
Total Revenue per Audited Statements
$701,923
Total Revenue per Form 990
$701,923
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$477,737
Other Expenses$196,819
Total Fundraising Expense$38,620
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages$220,240$25,821$12,141$258,202
Payroll Taxes$89,002$10,471$5,235$104,708
Current Officers, Directors, Trustees, and Key Employees$64,583$7,688$4,613$76,884
Depreciation Depletion$57,607--$57,607
Other Employee Benefits$32,252$3,794$1,897$37,943
Travel$28,252--$28,252
Insurance$22,195$789$394$23,378
Occupancy$19,058$2,242$1,121$22,421
All Other Expenses$9,900$2,332$336$12,568
Other Expenses$6,226$733$366$7,325
Total Functional Expenses$578,957$56,979$38,620$674,556

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$674,556
Total Expenses per Audited Statements$674,556
Total Expenses per Form 990$674,556
Fundraising, Events, and Gaming
Fundraising activities
Yes
Gaming activities
No
Professional fundraiser used
No

Fundraising and Gaming Totals

Line ItemAmount
Professional Fundraising Fees$0

Fundraising Events

EventGross ReceiptsGross RevenueDirect ExpensesNet Income
Loaves & Fishes$330,929---
Total Events$330,929---
Political and Lobbying Activity
Political campaign activity
No
Lobbying activity
No
Subject to proxy tax
No
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Audit committee
Yes
Backup withholding compliance
Yes
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
Yes
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, Page 6, Part VI, Line 11B

Reviewed by the executive director.

Form 990, Page 6, Part VI, Line 12C

The organization has conflict of interest policies for employees as well as board members. Employees are given an employee manual upon hire and updates as changes are made. Board members receive a policy upon election to the board.

Form 990, Page 6, Part VI, Line 15A

Compensation for the executive director, as well as all other staff, is reviewed by the board. The executive director's performance is evaluated annually. The staff is evaluated by the executive director, however, compensation changes for staff are approved by the board.

Form 990, Page 6, Part VI, Line 15B

SEE ABOVE

Form 990, Page 6, Part VI, Line 19

Governing documents are made available during regular business hours or via email.

Filing and Contact Details

Filer

Filer Name
Loaves and Fishes
EIN
57-0931804
Phone
8642323595
Address
25 WOODS LAKE ROAD STE 810, GREENVILLE, SC 29607

Signing Officer

Name
Tessa May
Title
Ex. Director
Phone
8642323595
Signed
2025-04-28
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Tessa May
Formed
1991
Legal Domicile
Sc
Voting Board Members
12
Independent Board Members
12
Employees
13
Volunteers
185

Preparer

Firm
Mckinley Cooper & Co LLC
Address
777 LOWNDES HILL RD BLDG 3 STE 225, GREENVILLE, SC 29607-2131
Preparer
Toni R Mckinley
Phone
8642331800
Supplemental Narrative

Financial Statement Notes

Schedule D, Page 3, Part X

The organization recognizes the tax benefits from uncertain tax positions only if it is more-likely-than-not that the tax position will be sustained on examination by the taxing authorities, based on the technical merits of the position. The organization's income tax filings are subject to audit by various taxing authorities. Management believes the adoption of asc 740-10 resulted in no significant impact to the organization's financial statements.

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IRS990/OtherExpensesGrp/Desc1FUNDRAISING EXPENSE
IRS990/OtherExpensesGrp/Desc2VEHICLE MAINTENANCE
IRS990/OtherExpensesGrp/Desc3PROFESSIONAL FEES
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IRS990/OtherExpensesGrp/FundraisingAmt1366
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IRS990/OtherExpensesGrp/ProgramServicesAmt112025
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IRS990/OtherExpensesGrp/TotalAmt212025
IRS990/OtherExpensesGrp/TotalAmt37325
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IRS990/ReportLandBuildingEquipmentInd0true
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IRS990/ReportOtherLiabilitiesInd0false
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IRS990ScheduleA/TotalSupportAmt03007507
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IRS990ScheduleB/ContributorInformationGrp/ContributorUSAddress/State0RESTRICTED
IRS990ScheduleB/ContributorInformationGrp/ContributorUSAddress/ZIPCode0RESTRICTED
IRS990ScheduleB/ContributorInformationGrp/TotalContributionsAmt0RESTRICTED
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IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt0650598
IRS990ScheduleD/EquipmentGrp/BookValueAmt0140058
IRS990ScheduleD/EquipmentGrp/DepreciationAmt0343906
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt0483964
IRS990ScheduleD/ExpensesSubtotalAmt0674556
IRS990ScheduleD/FootnoteTextInd0X
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IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt06700
IRS990ScheduleD/RevenueSubtotalAmt0701923
IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt0THE ORGANIZATION RECOGNIZES THE TAX BENEFITS FROM UNCERTAIN TAX POSITIONS ONLY IF IT IS MORE-LIKELY-THAN-NOT THAT THE TAX POSITION WILL BE SUSTAINED ON EXAMINATION BY THE TAXING AUTHORITIES, BASED ON THE TECHNICAL MERITS OF THE POSITION. THE ORGANIZATION'S INCOME TAX FILINGS ARE SUBJECT TO AUDIT BY VARIOUS TAXING AUTHORITIES. MANAGEMENT BELIEVES THE ADOPTION OF ASC 740-10 RESULTED IN NO SIGNIFICANT IMPACT TO THE ORGANIZATION'S FINANCIAL STATEMENTS.
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc0SCHEDULE D, PAGE 3, PART X
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IRS990ScheduleD/TotalExpensesPerForm990Amt0674556
IRS990ScheduleD/TotalRevenuePerForm990Amt0701923
IRS990ScheduleD/TotalRevEtcAuditedFinclStmtAmt0701923
IRS990ScheduleD/TotExpnsEtcAuditedFinclStmtAmt0674556
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IRS990ScheduleG/FundraisingEventInformationGrp/CharitableContriEvent1Amt0330929
IRS990ScheduleG/FundraisingEventInformationGrp/Event1Nm0LOAVES & FISHES
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IRS990/ScheduleJRequiredInd0false
IRS990/ScheduleORequiredInd0true
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0REVIEWED BY THE EXECUTIVE DIRECTOR.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1THE ORGANIZATION HAS CONFLICT OF INTEREST POLICIES FOR EMPLOYEES AS WELL AS BOARD MEMBERS. EMPLOYEES ARE GIVEN AN EMPLOYEE MANUAL UPON HIRE AND UPDATES AS CHANGES ARE MADE. BOARD MEMBERS RECEIVE A POLICY UPON ELECTION TO THE BOARD.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2COMPENSATION FOR THE EXECUTIVE DIRECTOR, AS WELL AS ALL OTHER STAFF, IS REVIEWED BY THE BOARD. THE EXECUTIVE DIRECTOR'S PERFORMANCE IS EVALUATED ANNUALLY. THE STAFF IS EVALUATED BY THE EXECUTIVE DIRECTOR, HOWEVER, COMPENSATION CHANGES FOR STAFF ARE APPROVED BY THE BOARD.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3SEE ABOVE
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4GOVERNING DOCUMENTS ARE MADE AVAILABLE DURING REGULAR BUSINESS HOURS OR VIA EMAIL.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990, PAGE 6, PART VI, LINE 11B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990, PAGE 6, PART VI, LINE 12C
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2FORM 990, PAGE 6, PART VI, LINE 15A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3FORM 990, PAGE 6, PART VI, LINE 15B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4FORM 990, PAGE 6, PART VI, LINE 19
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IRS990/TerminateOperationsInd0false
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IRS990/TravelGrp/TotalAmt028252
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IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd0false
IRS990/UnsecuredNotesLoansPayableGrp/EOYAmt0650598
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt025 WOODS LAKE ROAD
IRS990/USAddress/CityNm0GREENVILLE
IRS990/USAddress/StateAbbreviationCd0SC
IRS990/USAddress/ZIPCd029607
IRS990/VotingMembersGoverningBodyCnt012
IRS990/VotingMembersIndependentCnt012
IRS990/WebsiteAddressTxt0WWW.LOAVESANDFISHESGREENVILLE.COM
IRS990/WhistleblowerPolicyInd0false
ReturnHeader/BuildTS02025-03-06 01:10:19Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0TESSA MAY
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0EX. DIRECTOR

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