Western Maryland Food Bank (EIN 521305848) - 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

1983

Legal Domicile

Principal Officer

Amy Moyer

Phone

3017222797

Tax Period

2023-07-01 to 2024-06-30

Western Maryland Food Bank, founded in 1983, is a small nonprofit in the Food, Agriculture & Nutrition sector that reported $286K in total revenue in fiscal year 2023. Revenue decreased 19% compared to the prior year. The organization ran a surplus of $49K, a strong 17% operating margin.

Mission

To provide food to individuals in need and to those agencies serving those in need.

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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 $247,843

Program Service Revenue $23,833

Investment Income $0

Other Revenue $14,710

TOTAL REVENUE $286,386

Expense Breakdown

Grants Paid $0

Salaries & Benefits $178,458

Fundraising Expenses $0

Program Expenses $237,676

Other Expenses $59,218

TOTAL EXPENSES $237,676

Year-over-Year Comparison

	2023	2022	Change
Revenue	$286,386	$352,636	-0.2%
Expenses	$237,676	$213,327	+0.1%
Net Income	$48,710	$139,309	-0.7%

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

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
Gary Barkley	Board Member	1.00	Director	$0	$0	$0
Cathy Carpenter	Board Member	1.00	Director	$0	$0	$0
Matthew Gilmore	Board Member	1.00	Director	$0	$0	$0
TJ Himmler	Secretary	1.00	Officer	$0	$0	$0
Bill McElvie	Board Member	1.00	Director	$0	$0	$0
Anthony Pinardi	Board Member	1.00	Director	$0	$0	$0
Pat Sullivan	Board Member	1.00	Director	$0	$0	$0
Barry Winters	Board Member	1.00	Director	$0	$0	$0
David Burroughs	Board Member	1.00	Director	$0	$0	$0
Charles Koelker	President	1.00	Officer	$0	$0	$0
James Kasecamp	Vice President	1.00	Officer	$0	$0	$0
Eddie Kim	Board Member	1.00	Director	$0	$0	$0
Kim Ruble	Treasurer	1.00	Officer	$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	$286,386	$237,676	$467,131	$48,710
2023	$332,586	$301,578	$779,709	$31,008
2022	$287,730	$317,445	$759,781	$-29,715
2021	$410,483	$243,990	$776,253	$166,493
2020	$187,849	$180,882	$659,207	$6,967

Western Maryland Food Bank