Mutual Housing Association of Baltimore Inc (EIN 521269213) - 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

1982

Legal Domicile

Principal Officer

Charles M Thomas

Phone

4105322642

Tax Period

2024-07-01 to 2025-06-30

Mutual Housing Association of Baltimore Inc, founded in 1982, is a community nonprofit in the Housing & Shelter sector that reported $1.4M in total revenue in fiscal year 2024. Expenses of $1.6M exceeded revenue, resulting in a 15% operating deficit.

Mission

Provide affordable housing for low and moderate income persons.

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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 $1,320,506

Investment Income $30,129

Other Revenue $0

TOTAL REVENUE $1,350,635

Expense Breakdown

Grants Paid $0

Salaries & Benefits $235,600

Fundraising Expenses $0

Program Expenses $1,451,834

Other Expenses $1,323,155

TOTAL EXPENSES $1,558,755

Year-over-Year Comparison

	2024	2023	Change
Revenue	$1,350,635	$1,398,840	0.0%
Expenses	$1,558,755	$1,619,616	0.0%
Net Income	$-208,120	$-220,776	-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

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
Monique Mills	President	1.00	Director	$0	$0	$0
Jerome Swann	Treasurer	1.00	Director	$0	$0	$0
Stephanie V Lee	Vice President	1.00	Director	$0	$0	$0
Diamond Powell	Secretary	1.00	Director	$0	$0	$0
Karen Bullock	Board Member	1.00	Director	$0	$0	$0
Tanya Snow	Board Member	1.00	Director	$0	$0	$0
Roman Clark	Board Member	1.00	Director	$0	$0	$0
John Hairston	Board Member	1.00	Director	$0	$0	$0
Tiffany Hicks	Board Member	1.00	Director	$0	$0	$0
Carol Stagg	Board Member	1.00	Director	$0	$0	$0
Charles Thomas	Board Member	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	$1,350,635	$1,558,755	$4,424,843	$-208,120
2023	$1,340,582	$1,386,707	$4,777,657	$-46,125
2022	$1,192,648	$1,399,563	$4,899,532	$-206,915
2021	$1,224,350	$1,275,288	$5,341,741	$-50,938
2020	$1,230,640	$1,271,993	$5,483,272	$-41,353
2019	$1,264,071	$1,199,796	$5,668,223	$64,275

Mutual Housing Association of Baltimore Inc