MAIN STREET HISTORIC CHESTERTOWN INC (EIN 270498764) - 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

2009

Legal Domicile

Principal Officer

KRISTEN OWEN

Phone

4107782991

Tax Period

2024-01-01 to 2024-12-31

MAIN STREET HISTORIC CHESTERTOWN INC, founded in 2009, is a small nonprofit in the Arts, Culture & Humanities sector that reported $516K in total revenue in fiscal year 2024. The organization ran a surplus of $96K, a strong 19% operating margin.

Mission

FOSTER AN INVITING, DIVERSE AND PROSPEROUS DOWNTOWN.

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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 (2024)

Revenue Breakdown

Contributions & Grants $450,799

Program Service Revenue $65,581

Investment Income $0

Other Revenue $0

TOTAL REVENUE $516,380

Expense Breakdown

Grants Paid $0

Salaries & Benefits $114,497

Fundraising Expenses $9,009

Program Expenses $328,729

Other Expenses $305,867

TOTAL EXPENSES $420,364

Year-over-Year Comparison

	2024	2023	Change
Revenue	$516,380	$499,626	+0.0%
Expenses	$420,364	$515,594	-0.2%
Net Income	$96,016	$-15,968	-7.0%

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

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
RENEE BENCH	VICE PRESIDE	1.00	Officer Director	$0	$0	$0
REBECCA CLARK	DIRECTOR	1.00	Director	$0	$0	$0
PAUL HECKLES	PAST PRESIDE	1.00	Director	$0	$0	$0
JOHN HUTCHISON	DIRECTOR	1.00	Director	$0	$0	$0
MEGHAN LIVIE	DIRECTOR	1.00	Director	$0	$0	$0
MAUREEN MALLEY	TREASURER	N/A	Director	$0	$0	$0
AMY MEADE	SECRETARY	1.00	Officer Director	$0	$0	$0
KRISTEN OWEN	PRESIDENT	3.00	Officer Director	$0	$0	$0
MICHAEL SMITH	DIRECTOR	1.00	Director	$0	$0	$0
LIDDY CAMPBELL VANDEMARK	DIRECTOR	1.00	Director	$0	$0	$0
AMANDA WILLIAMS	DIRECTOR	1.00	Director	$0	$0	$0
SARAH WRIGHT	DIRECTOR	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
2024	$516,380	$420,364	$172,222	$96,016
2023	$499,626	$515,594	$85,666	$-15,968
2022	$193,242	$244,790	$40,637	$-51,548
2021	$428,704	$402,867	$85,932	$25,837
2020	$253,391	$261,899	$60,095	$-8,508

MAIN STREET HISTORIC CHESTERTOWN INC