Chesapeake Rivers Association

EIN: 010729385 501(c)(3) Environment

ANNAPOLIS, MD

Total Revenue
$1,039,993
Total Expenses
$919,893
Total Assets
$198,856
Net Assets
$198,856
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Financial Vulnerability Assessment (Tuckman-Chang)

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Financial Trends

Organization Details

Formation Year
2002
Legal Domicile
MD
Principal Officer
Fred Kelly
Phone
4102793586
Tax Period
2025-01-01 to 2025-12-31

Chesapeake Rivers Association, founded in 2002, is a community nonprofit in the Environment sector that reported $1.0M in total revenue in fiscal year 2025. Revenue surged 347% from the prior year, signaling strong growth momentum. Expenses of $920K left a modest 12% surplus.

Mission

Protect and Restore the Chesapeake Bay particularly the Severn River

Program Service Accomplishments

Program 1
Expenses: $480,000 Revenue: $0

Stream Restoration in Sheeps Gulley to protect Bay Waters.

Program 2
Expenses: $125,000 Revenue: $0

Stream Restoration in Chestnut Hill to protect Bay Waters

Program 3
Expenses: $0 Revenue: $0

Stream Restoration to stop the flow of stormwater from the community of Shipleys Choice.

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Trantor Score

Financial Health Score (300–850) · Liquidity · Solvency · Sustainability · Efficiency

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Liquidity (40%) • Solvency (30%) • Sustainability (20%) • Efficiency (10%)

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Financial Overview (2025)

Revenue Breakdown

Contributions & Grants $1,039,993
Program Service Revenue $0
Investment Income $0
Other Revenue $0
TOTAL REVENUE $1,039,993

Expense Breakdown

Grants Paid $0
Salaries & Benefits $53,349
Fundraising Expenses $4,820
Program Expenses $605,000
Other Expenses $866,544
TOTAL EXPENSES $919,893

Year-over-Year Comparison

2025 2024 Change
Revenue $1,039,993 $232,603 +3.5%
Expenses $919,893 $219,006 +3.2%
Net Income $120,100 $13,597 +7.8%
Key Indicators
✗ Grants to Organizations ✗ Grants to Individuals ✗ Lobbying ✗ Political Activity ✗ Foreign Activities ✗ Donor Advised Fund ✓ Schedule B Required
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Financial Health Indicators

Comprehensive financial analysis: Altman Z-Score, liquidity, solvency, sustainability, efficiency, and growth metrics

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Liquidity & Cash Position

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Altman Z-Score • Liquidity Ratios • Solvency Analysis • Growth Indicators • Efficiency Metrics

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Governance

Voting Members
6
Independent Members
6
Employees
2
Volunteers
N/A

Governance Policies

✗ Conflict of Interest Policy
✗ Whistleblower Policy
✗ Document Retention Policy

Special Practices & Reported Activities

✗ Operated a School
✗ Operated a Hospital
✗ Provided First Class Travel
⚠ Reported Conflict of Interest
✗ Reported Asset Diversion
✗ Excess Benefit Transaction
✗ Made Political Expenditures
✗ Engaged in Lobbying
✗ Operated Donor Advised Fund
✗ Maintained Art Collections
✗ Filed Form 720

Compensation of Officers, Directors & Key Employees

Total Officers
4
$60,000
Total Directors
3
$60,000
Key Employees
1
$102,000
Highest Compensated
0
reported
Name Title Hours/Week Role Reportable Comp Other Comp Total
N/A Secretary 40.00
Officer Director
$30,000 $30,000 $60,000
N/A Employee 40.00
Key Emp
$51,000 $51,000 $102,000
N/A President 4.00
Officer
$0 $0 $0
N/A Vice-President 2.00
Officer
$0 $0 $0
N/A Treasurer 6.00
Officer
$0 $0 $0
N/A Director 2.00
Director
$0 $0 $0
N/A Director 0.20
Director
$0 $0 $0
Note: Compensation data is self-reported by the organization on their Form 990. "Reportable Comp" includes salary, bonuses, and other reportable compensation from the organization and related organizations. "Other Comp" includes benefits, deferred compensation, and non-taxable benefits.

Historical Data

Year Revenue Expenses Assets Net Income
2025 $1,039,993 $919,893 $198,856 $120,100
2024 $232,603 $219,006 $78,756 $13,597
2023 $329,372 $346,268 $65,159 $-16,896
2022 $733,289 $731,762 $82,052 $1,527
2021 $427,118 $475,983 $80,525 $-48,865
2020 $628,043 $663,740 $129,390 $-35,697
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