CARPENTERS VACATION FUND OF BALTIMORE MD (EIN 237075372) - 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

1968

Legal Domicile

Principal Officer

RAUL CASTRO

Phone

3018398800

Tax Period

2021-10-01 to 2022-09-30

CARPENTERS VACATION FUND OF BALTIMORE MD, founded in 1968, is a micro nonprofit that reported $23K in total revenue in fiscal year 2021. Revenue fell 84% from the prior year — a significant decline worth monitoring. Expenses of $102K exceeded revenue, resulting in a 345% operating deficit.

Mission

COORDINATE VACATION FUND

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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 (2021)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $0

Investment Income $0

Other Revenue $22,869

TOTAL REVENUE $22,869

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Other Expenses $5,218

TOTAL EXPENSES $101,723

Year-over-Year Comparison

	2021	2020	Change
Revenue	$22,869	$144,107	-0.8%
Expenses	$101,723	$67,707	+0.5%
Net Income	$-78,854	$76,400	-2.0%

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

N/A

Employees

N/A

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

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
MICHAEL CONNER	TRUSTEE	1.00	Director	$0	$0	$0
ANTHONY ABRANTES	TRUSTEE	1.00	Director	$0	$0	$0
BILL SPROULE	TRUSTEE	1.00	Director	$0	$0	$0
RAUL CASTRO	TRUSTEE	1.00	Director	$0	$0	$0
JOHN BARBER	TRUSTEE	1.00	Director	$0	$0	$0
KENNEHT GRUNLEY	TRUSTEE	1.00	Director	$0	$0	$0
MARK HUMPHREY	TRUSTEE	1.00	Director	$0	$0	$0
LEWIS KIMBALL	TRUSTEE	1.00	Director	$0	$0	$0
GEORGE MALONEY	TRUSTEE	1.00	Director	$0	$0	$0
PEGGY JONES	TRUSTEE	1.00	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
2022	$22,869	$101,723	$72,038	$-78,854
2021	$144,107	$67,707	$131,837	$76,400
2020	$355,441	$367,616	$431,530	$-12,175
2019	$412,887	$434,371	$511,249	$-21,484
2018	$465,508	$456,380	$545,109	$9,128

CARPENTERS VACATION FUND OF BALTIMORE MD