YMCA OF CUMBERLAND MARYLAND INC (EIN 520591700) - 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

1893

Legal Domicile

Phone

3017779622

Tax Period

2022-07-01 to 2023-06-30

YMCA OF CUMBERLAND MARYLAND INC, founded in 1893, is a community nonprofit in the Human Services sector that reported $5.2M in total revenue in fiscal year 2022. Revenue surged 34% from the prior year, signaling strong growth momentum. The organization ran a surplus of $1.4M, a strong 28% operating margin.

Mission

THE YMCA IS A NON-PROFIT ORGANIZATION DEDICATED TO SERVE HUMAN NEEDS THROUGH PROGRAMS AND SERVICES THAT PROMOTE LIFELONG PERSONAL GROWTH AND THE BALANCED DEVELOPMENT OF

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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 $3,820,534

Program Service Revenue $1,243,615

Investment Income $47,585

Other Revenue $103,040

TOTAL REVENUE $5,214,774

Expense Breakdown

Grants Paid $0

Salaries & Benefits $1,730,871

Fundraising Expenses $31,559

Program Expenses $3,332,290

Other Expenses $2,041,668

TOTAL EXPENSES $3,772,539

Year-over-Year Comparison

	2022	2021	Change
Revenue	$5,214,774	$3,879,215	+0.3%
Expenses	$3,772,539	$3,405,796	+0.1%
Net Income	$1,442,235	$473,419	+2.0%

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

182

Volunteers

3500

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

$112,154

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
JULIE O'NEAL	CEO	50.00	Key Emp	$103,846	$8,308	$112,154
COREY THARP	VICE PRESIDENT	1.00	Officer Director	$0	$0	$0
ADAM STERNE	PRESIDENT	1.00	Officer Director	$0	$0	$0
ERIC DORMAN	TREASURER	1.00	Officer Director	$0	$0	$0
GREG MABEE	DIRECTOR	1.00	Officer Director	$0	$0	$0
JES HARDING	DIRECTOR	1.00	Director	$0	$0	$0
KIM KALBAUGH	DIRECTOR	1.00	Director	$0	$0	$0
STACEY WARNICK	DIRECTOR	1.00	Director	$0	$0	$0
IAN MACFAWN	DIRECTOR	1.00	Director	$0	$0	$0
BARRY MICHAEL	DIRECTOR	1.00	Director	$0	$0	$0
MELANIE UHL	DIRECTOR	1.00	Director	$0	$0	$0
TARA YUTZY COLLIER	DIRECTOR	1.00	Director	$0	$0	$0
TA'KEISHA CLAY	DIRECTOR	1.00	Director	$0	$0	$0
CASEY ROBERTS	DIRECTOR	1.00	Director	$0	$0	$0
KELLY BROWN	DIRECTOR	1.00	Director	$0	$0	$0
HUNTER BRAKEALL	DIRECTOR	1.00	Director	$0	$0	$0
GREGG POWELL	DIRECTOR	1.00	Director	$0	$0	$0
ERIN DELONG	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
2025	No data	No data	No data	No data
2024	No data	No data	No data	No data
2023	$5,214,774	$3,772,539	$7,444,402	$1,442,235
2022	$3,879,215	$3,405,796	$7,901,120	$473,419
2021	$2,754,885	$2,826,461	$5,875,659	$-71,576
2020	$2,890,899	$2,557,520	$5,739,705	$333,379
2019	$2,657,960	$2,694,373	$5,161,941	$-36,413
2018	$2,576,049	$2,905,237	$5,248,209	$-329,188

YMCA OF CUMBERLAND MARYLAND INC