Fish & Loaves

Nonprofit profile at a glance

EIN
205865585
IRS 990 coverage
2020–2025
Forms available
Form 990 2025
Location
Taylor, MI, USA
Phone
7344420031
Rating
65
Verdict
SUPPORTED
Rating confidence
Moderate
Sector
Food Banks, Pantries

Reported finances

Revenue
$577,752
Expenses
$642,328
Assets
$267,389
Liabilities
$0

Source: IRS Form 990. Selected filing: tax year 2025. Amounts in USD.

Leadership & pay

13 people listed

Executive titles in this filing

  • STEPHANIE MCNEES (EXECUTIVE DIRECTOR)
  • GEOFFREY G DRUTCHAS (PRESIDENT)
  • SUSAN VOKAL (VICE PRESIDENT)

Highest reported compensation

  • STEPHANIE MCNEES (EXECUTIVE DIRECTOR): $76,000 total reported compensation
  • ROBERT COOPER (OPERATIONS MANAGER): $29,168 total reported compensation

Source: IRS Form 990. Selected filing: tax year 2025. Names and roles reflect this filing, not necessarily current officeholders.

Overview

Mission

Provide food to those in need at no cost to them.

Operating model

Revenue model
Donor-supported. 73% of the money available for current operations came from contributions and gifts.
Distribution model
Direct operator. The filing allocates 100% of reported program-service expenses outside its grant, affiliate-payment, and member-benefit lines. This expense classification does not rule out separately announced grant awards.

The verdict

SUPPORTED - A large share of available resources goes toward mission work and the filed numbers largely add up. A relatively small share of voting board members are independent and some filing-based governance responses are negative or unanswered.

Rating breakdown

  • Financial Efficiency: 83
  • Transparency & Controls: 90
  • Accountability: 10
  • Sustainability: 25
  • Growth: 40

Detailed rating inputs

Financial Efficiency

  • Mission deployment rate: 89.4%; rating input score 89
  • Program expense ratio: 80.4%; rating input score 80
  • Fundraising efficiency: $29.87 raised per $1 spent on fundraising; rating input score 65; 65th percentile among comparable filings

Transparency & Controls

  • Consistency checks: 100%; rating input score 100; 63rd percentile among comparable filings
  • Pay-setting controls: Limited
  • Foreign activity oversight: Limited
  • Grant itemization coverage: Limited
  • Major donor itemization: Limited
  • Related-party transparency: Limited

Accountability

  • Independent voting board: 0%; rating input score 0; 6th percentile among comparable filings
  • Governance controls: 2 of 8 controls in place; rating input score 25
    • Conflict-of-interest policy: Fail
    • Whistleblower policy: Fail
    • Document-retention policy: Fail
    • CEO compensation review process: Fail
    • Other executive compensation review process: NotApplicable
    • Form 990 shared with the board: Fail
    • Board meeting minutes documented: Pass
    • Audit committee oversight: Pass
    • Independent financial-statement audit: Fail

Sustainability

  • Operating margin: -11.2%; rating input score 12; 12th percentile among comparable filings
  • Total-asset coverage ratio: 0.42; rating input score 21; 21st percentile among comparable filings
  • Liabilities to assets ratio: 0; rating input score 88; 88th percentile among comparable filings
  • Officer compensation ratio: 16.4%; rating input score 22; 22nd percentile among comparable filings

Growth

  • Program expense growth: 25.1% per year; rating input score 100; 85th percentile among comparable filings
  • Revenue growth: -4.3% per year; rating input score 0; 4th percentile among comparable filings
  • Asset growth: -18.6% per year; rating input score 0; 2nd percentile among comparable filings

Details

  • Where the money goes: 89.4% of revenue deployed · 80.4% of spending went to programs
  • Governance: 0 of 12 board members independent · 2 of 8 filing controls reported
  • Programs: 1 filed program accomplishment · $516K in reported program spending
  • Leadership: top reported pay $76K · 13 people listed
  • Consistency: 24 of 24 current checks pass
  • Schedules: 4 filed schedules
  • Filing history: 6 filing years from 2020 to 2025
  • Contacts: How to reach this organization
  • Money network: 2 filed money-flow records
  • Related organizations: Filed and resolved organization relationships.
  • Grant readiness: Federal tax and exclusion status, award history, and grant-maker relationships.
  • People: Everyone the filings name, and which of them the filings identify by more than a name.

Key Signals

Signals prioritize questions for review. They are not findings of misconduct.

  • High — Accountability: Independent voting board scored 0/100.
  • High — Accountability: Governance controls: 6 of 8 not reported.
  • High — Sustainability: Operating margin scored 12/100.
  • High — Growth: Revenue growth scored 0/100.
  • High — Sustainability: Total-asset coverage ratio scored 21/100.
  • High — Growth: Asset growth scored 0/100.
  • High — Sustainability: Officer compensation ratio scored 22/100.