GREATER BALTIMORE AHC INC (EIN 331084573) - Form 990 Financial Analysis & Trantor Score

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Tuckman-Chang Vulnerability Assessment

4 risk indicators measuring financial stability and operational resilience

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Financial Trends

Organization Details

Formation Year

2004

Legal Domicile

Principal Officer

PAUL BERNARD

Phone

7034860626

Tax Period

2024-01-01 to 2024-12-31

GREATER BALTIMORE AHC INC, founded in 2004, is a community nonprofit in the Housing & Shelter sector that reported $1.5M in total revenue in fiscal year 2018. Revenue surged 118% from the prior year, signaling strong growth momentum. The organization ran a surplus of $450K, a strong 29% operating margin.

Mission

TO BUILD, PRESERVE AND PROVIDE HIGH QUALITY AFFORDABLE HOUSING TO LOW AND MODERATE INCOME FAMILIES AND INDIVIDUALS.

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Trantor Score

Financial Health & Payment Capacity Assessment (FICO Scale: 300–850)

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Liquidity (40%) • Solvency (30%) • Sustainability (20%) • Efficiency (10%)

Financial Overview (2024)

Revenue Breakdown

Contributions & Grants $242,189

Program Service Revenue $705,957

Investment Income $8,378

Other Revenue $140,661

TOTAL REVENUE $1,097,185

Expense Breakdown

Grants Paid $0

Salaries & Benefits $1,098,325

Fundraising Expenses $0

Program Expenses $1,380,091

Other Expenses $365,936

TOTAL EXPENSES $1,464,261

Year-over-Year Comparison

	2024	2023	Change
Revenue	$1,097,185	$1,037,913	+0.1%
Expenses	$1,464,261	$1,559,418	-0.1%
Net Income	$-367,076	$-521,505	-0.3%

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

$1,040,179

Total Directors

$863,464

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
PAUL BERNARD	PRESIDENT & CEO	8.00	Officer Director	$0	$31,545	$397,149
STEVE YEATMAN	TREASURER & CFO (PART YEAR)	1.00	Officer Director	$0	$7,115	$209,221
MARY CLAIRE DAVIS	SECRETARY & VICE PRESIDENT	40.00	Officer Director	$238,278	$18,816	$257,094
SCOTT KASHNOW	BOARD MEMBER	1.00	Director	$0	$0	$0
BRENDA HARNEY	BOARD MEMBER	1.00	Director	$0	$0	$0
JOHN ELLIOTT	CFO	1.00	Officer	$0	$4,141	$176,715
CINDY ROZON	ASSISTANT DIRECTOR, RESIDENT SERVICE	40.00	Highest	$132,954	$8,218	$141,172

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	$1,097,185	$1,464,261	$13,860,874	$-367,076
2023	$1,037,913	$1,559,418	$12,820,209	$-521,505
2022	$1,162,600	$1,331,320	$13,018,627	$-168,720
2021	$2,608,258	$1,423,927	$13,338,300	$1,184,331
2020	$7,473,513	$1,537,990	$12,486,148	$5,935,523
2019	$799,082	$2,081,005	$7,805,560	$-1,281,923
2018	$1,543,340	$1,093,041	$8,107,760	$450,299

GREATER BALTIMORE AHC INC