CBM MINISTRIES OF MD

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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

1984

Legal Domicile

Principal Officer

Denise Morgan

Phone

4107967990

Tax Period

2020-09-01 to 2021-08-31

CBM MINISTRIES OF MD, founded in 1984, is a micro nonprofit that reported $63K in total revenue in fiscal year 2020. Expenses of $71K exceeded revenue, resulting in a 13% operating deficit.

Mission

It is the mission of the Childrens Bible Ministries of Maryland (MD), Inc. to provide religious education to young people and old alike

Program Service Accomplishments

Program 1

Expenses: $71,448 Revenue: $63,287

515 young people were taught the bible during this fiscal year

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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 (2020)

Revenue Breakdown

Contributions & Grants $63,287

Program Service Revenue $0

Investment Income $5

Other Revenue $0

TOTAL REVENUE $63,292

Expense Breakdown

Grants Paid $0

Salaries & Benefits $48,869

Fundraising Expenses $0

Program Expenses $71,448

Other Expenses $22,579

TOTAL EXPENSES $71,448

Year-over-Year Comparison

	2020	2019	Change
Revenue	$63,292	$59,009	+0.1%
Expenses	$71,448	$72,806	0.0%
Net Income	$-8,156	$-13,797	-0.4%

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

$21,000

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Denise R Morgan	Exec Director and CEO	40	Key Emp Highest	$21,000	$0	$21,000
Laura Wiebking	Chairman	1	Officer Director	$0	$0	$0
Doris Ofori	Vice Chairman	0.5	Officer Director	$0	$0	$0
Wanda Horstmann	Secretary	0.5	Officer Director	$0	$0	$0
Lorenzo Gaztanaga	Treasurer	1	Officer Director	$0	$0	$0
George C Harmon	Board Member	0.50	Director	$0	$0	$0
Patrick Cohill	CIO	1	Director	$0	$0	$0
Harold Passley	Board Member	0.50	Director	$0	$0	$0
Susan Gaztanaga	Board Member	0.50	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
2021	$63,292	$71,448	$52,952	$-8,156
2020	$59,009	$72,806	$62,212	$-13,797
2019	$79,355	$88,490	$82,010	$-9,135