CENTRAL MARYLAND YOUTH FOR CHRIST INC (EIN 311755440) - 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

1999

Legal Domicile

Principal Officer

SEBERN C WHISNAND

Phone

3016630561

Tax Period

2022-07-01 to 2023-06-30

CENTRAL MARYLAND YOUTH FOR CHRIST INC, founded in 1999, is a small nonprofit that reported $227K in total revenue in fiscal year 2022. Revenue fell 28% from the prior year — a significant decline worth monitoring. Expenses of $363K exceeded revenue, resulting in a 60% operating deficit.

Mission

PROMOTION OF YOUTH CHRISTIAN FELLOWSHIP

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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 (2022)

Revenue Breakdown

Contributions & Grants $222,109

Program Service Revenue $0

Investment Income $4,578

Other Revenue $0

TOTAL REVENUE $226,687

Expense Breakdown

Grants Paid $0

Salaries & Benefits $211,854

Fundraising Expenses $0

Program Expenses $314,000

Other Expenses $150,684

TOTAL EXPENSES $362,538

Year-over-Year Comparison

	2022	2021	Change
Revenue	$226,687	$314,839	-0.3%
Expenses	$362,538	$306,317	+0.2%
Net Income	$-135,851	$8,522	-16.9%

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

Total Directors

$90,000

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
CHRISTOPHER HUGHES	DIRECTOR	N/A	Director	$0	$0	$0
JOEL STAFFORD	TREASURER	N/A	Officer Director	$0	$0	$0
DEBORAH MARICLE	SECRETARY	N/A	Officer Director	$0	$0	$0
DENNIS WHITMORE	DIRECTOR	N/A	Director	$0	$0	$0
SEBERN C WHISNAND	EXECUTIVE DI	40.00	Director	$90,000	$0	$90,000

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
2023	$226,687	$362,538	$115,324	$-135,851
2022	$314,839	$306,317	$255,929	$8,522
2021	$330,074	$286,785	$245,952	$43,289
2020	$367,805	$299,191	$201,437	$68,614
2019	$317,571	$306,889	$132,601	$10,682

CENTRAL MARYLAND YOUTH FOR CHRIST INC