MARYLAND UMBRELLA GROUP (EIN 262396072) - 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

2008

Legal Domicile

Principal Officer

Carol Maddox

Phone

2404847029

Tax Period

2025-01-01 to 2025-12-31

MARYLAND UMBRELLA GROUP, founded in 2008, is a small nonprofit in the Human Services sector that reported $520K in total revenue in fiscal year 2025. Revenue surged 86% from the prior year, signaling strong growth momentum. Expenses of $497K left a modest 4% surplus.

Mission

The Maryland Umbrella Groups provides community supports that strengthen families seniors and students. MUG provides tutoring an apprenticeship program emergency food distributions and and a diaper hub.

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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 $270,147

Program Service Revenue $250,339

Investment Income $2

Other Revenue $0

TOTAL REVENUE $520,488

Expense Breakdown

Grants Paid $5,000

Salaries & Benefits $262,044

Fundraising Expenses $0

Program Expenses $497,149

Other Expenses $230,105

TOTAL EXPENSES $497,149

Year-over-Year Comparison

	2025	2024	Change
Revenue	$520,488	$280,517	+0.9%
Expenses	$497,149	$269,342	+0.8%
Net Income	$23,339	$11,175	+1.1%

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

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
Joanne C Benson	Director	2.00	Director	$0	$0	$0
Dario Gonzalez	Chair	2.00	Officer	$0	$0	$0
Alphonso Pearson	Director	2.00	Director	$0	$0	$0
Lisa Simmons	Vice Chair	2.00	Officer	$0	$0	$0
Katherine Anderson	Director	2.00	Director	$0	$0	$0
Lenora Harper	Director	2.00	Director	$0	$0	$0
Evelyn Kinley	Director	2.00	Director	$0	$0	$0
Vacant	Director	0.00	Director	$0	$0	$0
Vacant	Secretary	0.00	Officer	$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	$520,488	$497,149	$90,722	$23,339
2024	$280,517	$269,342	$78,097	$11,175

MARYLAND UMBRELLA GROUP