NATIONAL FEDERATION OF THE BLIND OF MARYLAND INC (EIN 521301033) - 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

1985

Legal Domicile

Principal Officer

Ronza Othman

Phone

4434264110

Tax Period

2023-01-01 to 2023-12-31

NATIONAL FEDERATION OF THE BLIND OF MARYLAND INC, founded in 1985, is a small nonprofit that reported $124K in total revenue in fiscal year 2023. Revenue grew 11% year-over-year, indicating healthy expansion. Net assets of $498K represent 48 months of operating reserves.

Mission

The NFB of Maryland is an organization made up of blind and sighted people working to improve the lives of blind Maryland residents by providing assistance and services to parents, blind workers, and consumers of rehabilitation services.

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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 (2023)

Revenue Breakdown

Contributions & Grants $115,203

Program Service Revenue $0

Investment Income $-3,925

Other Revenue $12,946

TOTAL REVENUE $124,224

Expense Breakdown

Grants Paid $40,930

Salaries & Benefits $0

Fundraising Expenses $2,684

Program Expenses $109,108

Other Expenses $80,328

TOTAL EXPENSES $121,258

Year-over-Year Comparison

	2023	2022	Change
Revenue	$124,224	$112,086	+0.1%
Expenses	$121,258	$152,206	-0.2%
Net Income	$2,966	$-40,120	-1.1%

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

N/A

Volunteers

100

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
Ronza Othman	President	10	Officer Director	$0	$0	$0
Deborah Brown	First Vice President	2	Officer Director	$0	$0	$0
Christopher Danielsen	Second Vice President	2	Officer Director	$0	$0	$0
Judy Rasmussen	Secretary	2	Officer Director	$0	$0	$0
Jenivieve White	Treasurer	10	Officer Director	$0	$0	$0
Qualik Ford	Board Member	2	Director	$0	$0	$0
Sharon Maneki	Board Member	2	Director	$0	$0	$0
James Garret Mooney	Board Member	2	Director	$0	$0	$0
Mildred Rivera	Board Member	2	Director	$0	$0	$0
Melissa Riccobono	Board Member	2	Director	$0	$0	$0
Marguerite Woods	Board Member	2	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	No data	No data	No data	No data
2023	$124,224	$121,258	$498,349	$2,966
2021	$101,108	$125,004	$560,687	$-23,896
2020	$789,403	$431,613	$621,687	$357,790

NATIONAL FEDERATION OF THE BLIND OF MARYLAND INC