THE HARFORD COUNTY EDUCATION ASSOCIATION INC (EIN 520855686) - 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

1967

Legal Domicile

Principal Officer

CHRYSTIE CRAWFORD SMICK

Phone

4108380800

Tax Period

2024-09-01 to 2025-08-31

THE HARFORD COUNTY EDUCATION ASSOCIATION INC, founded in 1967, is a small nonprofit that reported $531K in total revenue in fiscal year 2024. The organization ran a surplus of $132K, a strong 25% operating margin.

Mission

TO WORK FOR THE WELFARE OF THE EDUCATORS AND STUDENTS OF HARFORD COUNTY, 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 $507,923

Program Service Revenue $0

Investment Income $23,318

Other Revenue $0

TOTAL REVENUE $531,241

Expense Breakdown

Grants Paid $0

Salaries & Benefits $247,295

Fundraising Expenses $0

Program Expenses $366,403

Other Expenses $152,367

TOTAL EXPENSES $399,662

Year-over-Year Comparison

	2024	2023	Change
Revenue	$531,241	$518,092	+0.0%
Expenses	$399,662	$399,838	0.0%
Net Income	$131,579	$118,254	+0.1%

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

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
CHRYSTIE CRAWFORD SMICK	PRESIDENT	040.00	Officer Director	$0	$0	$0
COLLEEN BIANCO	VICE-PRESIDENT	002.00	Officer Director	$0	$0	$0
CINDY POPER	ESP VICE-PRESIDENT	001.00	Officer Director	$0	$0	$0
LEIGH BONDROLE	SECRETARY	001.00	Officer Director	$0	$0	$0
CRYSTAL RUFENACHT	DIRECTOR	001.00	Director	$0	$0	$0
TRACY PAPINCHOCK	TREASURER	001.00	Officer Director	$0	$0	$0
JASON BROOKS	DIRECTOR	001.00	Director	$0	$0	$0
RACHEL GAUTHIER	DIRECTOR	001.00	Director	$0	$0	$0
ABIGAIL BENNETT	DIRECTOR	001.00	Director	$0	$0	$0
ANDREA WEEDN-HUGHES	DIRECTOR	001.00	Director	$0	$0	$0
KINDRA STEVENS	DIRECTOR	001.00	Director	$0	$0	$0
JASON KING	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
2025	$531,241	$399,662	$828,828	$131,579
2024	$518,092	$399,838	$728,484	$118,254
2023	$507,256	$378,819	$617,728	$128,437
2022	$356,923	$299,370	$440,119	$57,553
2021	$326,720	$268,952	$392,871	$57,768
2020	$222,992	$236,727	$296,088	$-13,735
2019	$275,347	$253,266	$326,295	$22,081
2018	$258,048	$242,667	$306,806	$15,381

THE HARFORD COUNTY EDUCATION ASSOCIATION INC