Loaves and Fishes for St Louis Inc

Nonprofit profile at a glance

EIN
431251264
IRS 990 coverage
2013–2025
Forms available
Form 990 2025
Location
Maryland Heights, MO, USA
Phone
3142913857
Rating
85
Verdict
STRONG
Rating confidence
Moderate
Sector
Emergency Assistance

Reported finances

Revenue
$3,072,468
Expenses
$3,084,855
Assets
$1,630,222
Liabilities
$546,587

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

Leadership & pay

9 people listed

Executive titles in this filing

  • JAN MUSCHANY (PRESIDENT)

Highest reported compensation

  • JACKI MACINTOSH (EXECUTIVE DI): $118,419 total reported compensation

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

Overview

Mission

Loaves and fishes for st. Louis, inc.'s mission is to provide uplifting and supportive services that empower our clients to become financially secure and have a stable home.

What it reported doing in 2025

Founded in 1982, loaves and fishes for st. Louis, inc. Provides comprehensive services to individuals and families experiencing homelessness, housing instability, and food insecurity throughout the st. Louis metropolitan area. Delivering results: our emergency shelter provides temporary housing and intensive case management to families with minor children experiencing homelessness. During the year, more than 320 individuals received emergency shelter services, with 57% of residents being children. Families received individualized housing plans, employment assistance, financial literacy education, transportation, life-skills training, and connections to healthcare, education, and community resources. The average shelter stay was approximately 26 days, and 77% of families exited to permanent housing. Loaves and fishes provided rental assistance, utility assistance, housing navigation, landlord mediation, and case management to households at risk of homelessness. More than 16,000 in direct financial assistance was distributed to help prevent evictions and maintain housing stability. Services focused on resolving housing crises while connecting households to long-term resources. As one of four coordinated entry access points for the st. Louis county continuum of care, loaves and fishes assessed individuals and families experiencing homelessness and connected them to emergency shelter, rapid rehousing, permanent supportive housing, and other community resources. During the year, the organization responded to approximately 1,196 requests for emergency shelter and housing assistance, working collaboratively with hospitals, schools, law enforcement, veterans' organizations, and other community partners to coordinate services. The food pantry distributed more than 712,000 meals to over 4,100 individuals, including seniors, families with children, veterans, and persons with disabilities experiencing food insecurity. In addition to food, clients received hygiene products, cleaning supplies, household necessities, and seasonal assistance through community partnerships and donations.

Operating model

Revenue model
Donor-supported. 79% of the money available for current operations came from contributions and gifts.
Distribution model
Grant intermediary. The nonprofit sent 62% of its reported program spending out as grants.
  • Includes noncash contributions: Reported contributions include donated property or goods.

The verdict

STRONG - A large share of available resources goes toward mission work and the filed numbers largely add up. Fundraising costs are high for each dollar raised and expenses are high relative to revenue.

Rating breakdown

  • Financial Efficiency: 85
  • Transparency & Controls: 94
  • Accountability: 83
  • Sustainability: 27
  • Growth: 100

Detailed rating inputs

Financial Efficiency

  • Mission deployment rate: 88.8%; rating input score 89
  • Program expense ratio: 88.5%; rating input score 88
  • Fundraising efficiency: $17.82 raised per $1 spent on fundraising; rating input score 55; 55th 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: 100%; rating input score 100; 75th percentile among comparable filings
  • Major donor itemization: Yes; rating input score 100
  • Related-party transparency: Limited

Accountability

  • Independent voting board: 87.5%; rating input score 88; 20th percentile among comparable filings
  • Governance controls: 6 of 8 controls in place; rating input score 75
    • Conflict-of-interest policy: Pass
    • Whistleblower policy: Pass
    • Document-retention policy: Pass
    • CEO compensation review process: NotApplicable
    • Other executive compensation review process: Fail
    • Form 990 shared with the board: Pass
    • Board meeting minutes documented: Pass
    • Audit committee oversight: Missing
    • Independent financial-statement audit: Pass

Sustainability

  • Operating margin: -0.4%; rating input score 25; 25th percentile among comparable filings
  • Total-asset coverage ratio: 0.53; rating input score 17; 17th percentile among comparable filings
  • Liabilities to assets ratio: 0.34; rating input score 24; 24th percentile among comparable filings
  • Officer compensation ratio: 3.8%; rating input score 64; 64th percentile among comparable filings

Growth

  • Program expense growth: 6.5% per year; rating input score 100; 44th percentile among comparable filings
  • Revenue growth: 6.7% per year; rating input score 100; 50th percentile among comparable filings
  • Asset growth: 13.6% per year; rating input score 100; 70th percentile among comparable filings

Details

  • Where the money goes: 88.8% of revenue deployed · 88.5% of spending went to programs
  • Governance: 7 of 8 board members independent · 6 of 8 filing controls reported
  • Programs: 1 filed program accomplishment · $2.7M in reported program spending
  • Leadership: top reported pay $118K · 9 people listed
  • Consistency: 35 of 35 current checks pass
  • Schedules: 7 filed schedules · includes major donors and grants
  • Filing history: 12 filing years from 2013 to 2025
  • Contacts: How to reach this organization
  • Money network: 1 filed money-flow record
  • 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.
  • Staff and benefit plans: Retirement and health plans the organization files with the Department of Labor, and the people in them.

Key Signals

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

  • Review — Financial Efficiency: Fundraising efficiency scored 55/100.
  • High — Sustainability: Operating margin scored 25/100.
  • High — Sustainability: Total-asset coverage ratio scored 17/100.
  • Review — Accountability: Governance controls: Other executive compensation review process not reported.
  • High — Sustainability: Liabilities to assets ratio scored 24/100.