Treasure Coast Food Bank

Legal name: Treasure Coast Food Bank Inc

Nonprofit profile at a glance

EIN
650123281
IRS 990 coverage
2018–2024
Official website data refreshed
Sep 2026
Forms available
Form 990 2024
Location
Fort Pierce, FL, US
Phone
772.489.3034
Rating
80
Verdict
STRONG
Rating confidence
Moderate
Sector
Food Banks, Pantries

Official website

Reported finances

Revenue
$69,793,484
Expenses
$60,433,290
Assets
$48,195,133
Liabilities
$22,208,178

Source: IRS Form 990. Selected filing: tax year 2024. Amounts in USD.

Leadership & pay

11 people listed

Executive titles in this filing

  • JUDITH CRUZ (CEO/PRESIDENT)

Highest reported compensation

  • JUDITH CRUZ (CEO/PRESIDENT): $201,499 total reported compensation

Source: IRS Form 990. Selected filing: tax year 2024. Names and roles reflect this filing, not necessarily current officeholders.

Overview

Mission

To build a healthier Treasure Coast by providing food, education, and resources to those in need, while breaking the cycles that cause hunger and poverty.

What it reported doing in 2024

Benefits outreach and client services/case management program: a client invterventon program that connects low-income familes with vital services to help increase their household resources and stabilize financial volatility, nutrition, health and wellness educates familes on low cost healthy food choices, educational seminars and sessions empower people to improve overall health, lifestyle and wellbeing.

Operating model

Revenue model
Donor-supported. 69% of the money available for current operations came from contributions and gifts.
Distribution model
Grant intermediary. The nonprofit sent 77% 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 most voting board members are independent. Few specific pay-setting methods are documented in the filing; unanswered boxes are not proof of absence and the filing does not identify recipients for some grant dollars.

Rating breakdown

  • Financial Efficiency: 90
  • Transparency & Controls: 54
  • Accountability: 100
  • Sustainability: 62
  • Growth: 100

Detailed rating inputs

Financial Efficiency

  • Mission deployment rate: 84.6%; rating input score 85
  • Program expense ratio: 97.7%; rating input score 98
  • Fundraising efficiency: $151.16 raised per $1 spent on fundraising; rating input score 88; 88th percentile among comparable filings

Transparency & Controls

  • Consistency checks: 94.4%; rating input score 94; 31st percentile among comparable filings
  • Pay-setting controls: 0 of 6 controls in place; rating input score 0
    • Compensation committee: Missing
    • Independent consultant: Missing
    • Other Form 990s reviewed: Missing
    • Written employment contract: Missing
    • Compensation survey or study: Missing
    • Board or committee approval: Missing
  • Foreign activity oversight: Limited
  • Grant itemization coverage: 22.6%; rating input score 23; 7th percentile among comparable filings
  • Major donor itemization: Yes; rating input score 100
  • Related-party transparency: Limited

Accountability

  • Independent voting board: 100%; rating input score 100; 77th percentile among comparable filings
  • Governance controls: 8 of 8 controls in place; rating input score 100
    • Conflict-of-interest policy: Pass
    • Whistleblower policy: Pass
    • Document-retention policy: Pass
    • CEO compensation review process: Pass
    • Other executive compensation review process: NotApplicable
    • Form 990 shared with the board: Pass
    • Board meeting minutes documented: Pass
    • Audit committee oversight: Pass
    • Independent financial-statement audit: Pass

Sustainability

  • Operating margin: 13.4%; rating input score 80; 80th percentile among comparable filings
  • Total-asset coverage ratio: 0.8; rating input score 32; 32nd percentile among comparable filings
  • Liabilities to assets ratio: 0.46; rating input score 39; 39th percentile among comparable filings
  • Officer compensation ratio: 0.3%; rating input score 88; 88th percentile among comparable filings

Growth

  • Program expense growth: 13.7% per year; rating input score 100; 85th percentile among comparable filings
  • Revenue growth: 14.7% per year; rating input score 100; 88th percentile among comparable filings
  • Asset growth: 24.4% per year; rating input score 100; 96th percentile among comparable filings

Details

  • What they do: 7 programs and campaigns described on the official site · 5 operating locations identified
  • Where the money goes: 84.6% of revenue deployed · 97.7% of spending went to programs
  • Governance: 10 of 10 board members independent · 8 of 8 filing controls reported
  • Programs: 3 filed program accomplishments · $59M in reported program spending
  • Leadership: top reported pay $201K · 11 people listed · 0 of 6 pay-setting controls reported
  • Highest-paid contractors: 4 contractors listed · $1.1M reported
  • Consistency: 32 of 34 current checks pass · 2 findings to review
  • Schedules: 8 filed schedules · includes major donors, grants, and executive pay
  • Filing history: 7 filing years from 2018 to 2024
  • Contacts: How to reach this organization
  • Money network: 95 filed money-flow records
  • 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.

  • High — Transparency & Controls: Pay-setting controls scored 0/100.
  • High — Transparency & Controls: Grant itemization coverage scored 23/100.
  • Moderate — Sustainability: Total-asset coverage ratio scored 32/100.
  • Moderate — Transparency & Controls: Schedule A contributions reconciliation did not reconcile in the filed values.
  • Review — Transparency & Controls: Domestic grant itemization did not reconcile in the filed values.
  • Moderate — Sustainability: Liabilities to assets ratio scored 39/100.