BLUE WATER BALTIMORE (EIN 521420138) - 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

1994

Legal Domicile

Principal Officer

YURY GIMBURG

Phone

4102541577

Tax Period

2024-01-01 to 2024-12-31

BLUE WATER BALTIMORE, founded in 1994, is a community nonprofit in the Environment sector that reported $2.9M in total revenue in fiscal year 2024. Revenue decreased 6% compared to the prior year.

Mission

TO RESTORE THE QUALITY OF BALTIMORE'S RIVERS, STREAMS AND HARBOR.

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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 $2,188,267

Program Service Revenue $225,139

Investment Income $922

Other Revenue $448,112

TOTAL REVENUE $2,862,440

Expense Breakdown

Grants Paid $0

Salaries & Benefits $2,227,289

Fundraising Expenses $256,541

Program Expenses $1,951,565

Other Expenses $881,008

TOTAL EXPENSES $3,108,297

Year-over-Year Comparison

	2024	2023	Change
Revenue	$2,862,440	$3,040,573	-0.1%
Expenses	$3,108,297	$3,095,775	+0.0%
Net Income	$-245,857	$-55,202	+3.5%

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

793

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

$125,969

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
BILL HOWARD	CHAIR	3.00	Officer Director	$0	$0	$0
WALTER PINKARD III	DIRECTOR	1.00	Director	$0	$0	$0
ANNE YASTREMSKI	VICE CHAIR	3.00	Officer Director	$0	$0	$0
THERESA FURNARI	DIRECTOR	1.00	Director	$0	$0	$0
STEVEN RAGSDALE	VICE CHAIR	3.00	Officer Director	$0	$0	$0
JOHN SAVAGE	DIRECTOR	1.00	Director	$0	$0	$0
YURY GIMBURG	TREASURER	2.00	Officer Director	$0	$0	$0
REBECCA PHILLIPS	VICE CHAIR	3.00	Officer Director	$0	$0	$0
CARLTON SEXTON	DIRECTOR	1.00	Director	$0	$0	$0
SUSANNAH BERGMAN	DIRECTOR	1.00	Director	$0	$0	$0
ANGUS BURTON	DIRECTOR	1.00	Director	$0	$0	$0
STEPHANIE COLDREN	DIRECTOR	1.00	Director	$0	$0	$0
MARGARET OLIVER	DIRECTOR	1.00	Director	$0	$0	$0
DAVID WEIS	DIRECTOR	1.00	Director	$0	$0	$0
BOB SUMMERS	SECRETARY	2.00	Officer Director	$0	$0	$0
PHYLLIS FUNG	DIRECTOR	1.00	Director	$0	$0	$0
JACK BOYSON	DIRECTOR	1.00	Director	$0	$0	$0
N-NEKA SMITH	DIRECTOR	1.00	Director	$0	$0	$0
SYDNEE WILSON RUFF	EXECUTIVE DIRECTOR	45.00	Officer	$125,054	$915	$125,969
JILL CECIL	DIRECTOR OF FINANCE AND AD	40.00	Highest	$119,160	$12,794	$131,954

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	$2,862,440	$3,108,297	$1,839,905	$-245,857
2023	$3,040,573	$3,095,775	$2,098,788	$-55,202
2022	$2,855,807	$2,946,011	$1,938,185	$-90,204
2022	$2,855,807	$2,946,011	$1,938,185	$-90,204
2021	$2,552,137	$2,253,886	$1,955,716	$298,251
2020	$3,281,869	$2,341,597	$1,843,404	$940,272
2019	$2,415,988	$2,520,154	$766,025	$-104,166
2018	$3,938,802	$3,901,888	$1,021,829	$36,914

BLUE WATER BALTIMORE