MARYLAND RETAILERS ALLIANCE INC (EIN 520575864) - 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

1948

Legal Domicile

Principal Officer

TREY ENGLISH

Phone

4102691440

Tax Period

2024-01-01 to 2024-12-31

MARYLAND RETAILERS ALLIANCE INC, founded in 1948, is a small nonprofit that reported $424K in total revenue in fiscal year 2024. Revenue decreased 9% compared to the prior year. Expenses of $537K exceeded revenue, resulting in a 27% operating deficit.

Mission

THE ALLIANCE IS THE RETAIL COMMUNITYS MAJOR STATE-WIDE TRADE ASSOCIATION IN MARYLAND.

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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 $0

Program Service Revenue $352,036

Investment Income $49,372

Other Revenue $22,904

TOTAL REVENUE $424,312

Expense Breakdown

Grants Paid $0

Salaries & Benefits $377,285

Fundraising Expenses $0

Other Expenses $159,885

TOTAL EXPENSES $537,170

Year-over-Year Comparison

	2024	2023	Change
Revenue	$424,312	$465,957	-0.1%
Expenses	$537,170	$442,131	+0.2%
Net Income	$-112,858	$23,826	-5.7%

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

$165,306

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
CAILEY LOCKLAIR	PRESIDENT	040.00	Officer	$154,085	$11,221	$165,306
TREY ENGLISH	CHAIR	001.00	Officer Director	$0	$0	$0
JERMAINE SMITH	VICE CHAIR	001.00	Officer Director	$0	$0	$0
KATERINA GOLDFARB	VICE CHAIR	001.00	Officer Director	$0	$0	$0
AMANDA COLEMAN PHELPS	TREASURER	001.00	Officer Director	$0	$0	$0
TOM CORMIER	PAST CHAIR	001.00	Officer Director	$0	$0	$0
CHANELE AUTREY	DIRECTOR	001.00	Director	$0	$0	$0
LENNA ISRABIAN-JAMGOCHIAN	DIRECTOR	001.00	Director	$0	$0	$0
MARSHALL KLEIN	DIRECTOR	001.00	Director	$0	$0	$0
SEAN CONNER	DIRECTOR	001.00	Director	$0	$0	$0
EDWARD STEINBERG	BOARD MEMBER	001.00	Director	$0	$0	$0
JOHN ROBINSON	DIRECTOR	001.00	Director	$0	$0	$0
BRIAN GAMBERINI	DIRECTOR	001.00	Director	$0	$0	$0
MELISSA WADE-WARD	DIRECTOR	001.00	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	$424,312	$537,170	$3,253,615	$-112,858
2023	$465,957	$442,131	$2,741,636	$23,826
2022	$419,452	$447,044	$2,399,845	$-27,592
2021	$344,709	$404,506	$2,704,266	$-59,797
2020	$315,061	$355,836	$2,177,663	$-40,775
2019	$320,552	$357,862	$2,123,556	$-37,310
2018	$279,982	$377,070	$1,810,795	$-97,088

MARYLAND RETAILERS ALLIANCE INC