Chesapeake Rivers Association (EIN 010729385) - Form 990 Financial Analysis & Trantor Score

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Financial Vulnerability Assessment (Tuckman-Chang)

4 risk indicators measuring financial stability and operational resilience

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Financial Trends

Organization Details

Formation Year

2002

Legal Domicile

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

Protection and Restoration of the Chesapeake Bay Waterways particularly the Severn River.

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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%)

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

Financial Distress Indicator

Liquidity & Cash Position

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

Governance

Voting Members

Independent Members

Employees

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

$60,000

Total Directors

$60,000

Key Employees

$102,000

Highest Compensated

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

Chesapeake Rivers Association