BALTIMORE, MD
4 risk indicators measuring financial stability and operational resilience
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Sign In — Free (10 views/day)BALTIMORE COMMUNITY LENDING INC, founded in 1989, is a community nonprofit in the Community Improvement sector that reported $8.8M in total revenue in fiscal year 2024. Revenue surged 38% from the prior year, signaling strong growth momentum. Expenses of $10.0M exceeded revenue, resulting in a 14% operating deficit.
THE MISSION OF BALTIMORE COMMUNITY LENDING IS SUPPORTING THE REVITALIZATION AND STRENGTHENING OF UNDERSERVED COMMUNITIES IN THE GREATER BALTIMORE REGION THROUGH INNOVATIVE FINANCIAL SOLUTIONS AND COLLABORATIVE RESOURCES DESIGNED TO PROMOTE COMMUNITY DEVELOPMENT.
COMMUNITY DEVELOPMENT LOAN PORTFOLIO MANAGEMENT MAINTAIN, MANAGE AND SERVICE APPROXIMATELY 50 COMMUNITY DEVELOPMENT LOAN ASSETS TOTALING APPROXIMATELY $17 MILLION AND REPRESENTING IN EXCESS OF 400...
COMMUNITY DEVELOPMENT LOAN PORTFOLIO MANAGEMENT MAINTAIN, MANAGE AND SERVICE APPROXIMATELY 50 COMMUNITY DEVELOPMENT LOAN ASSETS TOTALING APPROXIMATELY $17 MILLION AND REPRESENTING IN EXCESS OF 400 AFFORDABLE HOUSING UNITS, COUNSEL AND ADVISE EXISTING BORROWERS CONCERNING LOAN COMPLIANCE BEST PRACTICES, AND ASSIST STRUGGLING BORROWERS TO IDENTIFY AVAILABLE REMEDIES IN THE EVENT OF PAYMENT AND/OR PERFORMANCE CHALLENGES.
THE SMALL BUSINESS DIVISION IS A SIX-YEAR-OLD SMALL BUSINESS LOAN INITIATIVE WHICH PROVIDES FINANCING FOR CREDIT WORTHY BUSINESSES THAT LACK EQUITY OR ARE NOT OTHERWISE ELIGIBLE FOR TRADITIONAL...
THE SMALL BUSINESS DIVISION IS A SIX-YEAR-OLD SMALL BUSINESS LOAN INITIATIVE WHICH PROVIDES FINANCING FOR CREDIT WORTHY BUSINESSES THAT LACK EQUITY OR ARE NOT OTHERWISE ELIGIBLE FOR TRADITIONAL FINANCING. IT MAINTAINS , MANAGES AND SERVICES APPROXIMATELY 180 SMALL BUSINESS LOANS TOTALING APPROXIMATELY $13.9M FOR START-UP AND EXPANDING BUSINESSES.
Financial Health Score (300–850) · Liquidity · Solvency · Sustainability · Efficiency
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Liquidity (40%) • Solvency (30%) • Sustainability (20%) • Efficiency (10%)
Sign In — Free (10 views/day)| 2024 | 2023 | Change | |
|---|---|---|---|
| Revenue | $8,804,597 | $6,394,581 | +0.4% |
| Expenses | $10,024,988 | $5,248,201 | +0.9% |
| Net Income | $-1,220,391 | $1,146,380 | -2.1% |
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
Sign In| Name | Title | Hours/Week | Role | Reportable Comp | Other Comp | Total |
|---|---|---|---|---|---|---|
| WATCHEN HARRIS BRUCE | PRESIDENT AND CEO | 40.00 |
Officer
Director
|
$199,389 | $0 | $199,389 |
| MICHAEL TAGG | BOARD CHAIR | 0.30 |
Director
|
$0 | $0 | $0 |
| ALEX AARON | BOARD VICE CHAIR | 0.30 |
Director
|
$0 | $0 | $0 |
| ANTONY GROSS | TREASURER | 0.30 |
Director
|
$0 | $0 | $0 |
| LINDA HARRINGTON | SECRETARY | 0.30 |
Director
|
$0 | $0 | $0 |
| ALICE KENNEDY | BOARD MEMBER | 0.30 |
Director
|
$0 | $0 | $0 |
| GERARD JOAB | BOARD MEMBER | 0.30 |
Director
|
$0 | $0 | $0 |
| JEFFREY C WILKE | BOARD MEMBER | 0.30 |
Director
|
$0 | $0 | $0 |
| PAUL T GRAZIANO | BOARD MEMBER | 0.30 |
Director
|
$0 | $0 | $0 |
| MICHAEL F ALLEN | BOARD MEMBER | 0.30 |
Director
|
$0 | $0 | $0 |
| CLARENCE J SNUGGS | CHIEF OPERATING OFFICER | 40.00 |
Highest
|
$145,487 | $0 | $145,487 |
| SEAN E L RUSSELL | CHIEF LENDING OFFICER | 40.00 |
Highest
|
$125,634 | $0 | $125,634 |
| SUSAN E KELLY | CHIEF FINANCIAL OFFICER | 40.00 |
Highest
|
$130,654 | $0 | $130,654 |
| BONNIE J CROCKETT | DIRECTOR OF SMALL BUSINESS | 40.00 |
Highest
|
$112,316 | $0 | $112,316 |
| Year | Revenue | Expenses | Assets | Net Income |
|---|---|---|---|---|
| 2025 | $8,804,597 | $10,024,988 | $44,380,351 | $-1,220,391 |
| 2024 | $6,394,581 | $5,248,201 | $40,362,956 | $1,146,380 |
| 2023 | $4,865,383 | $3,975,555 | $37,305,565 | $889,828 |
| 2022 | $4,977,119 | $2,590,915 | $32,545,900 | $2,386,204 |
| 2021 | $4,188,946 | $3,499,320 | $27,611,134 | $689,626 |
| 2020 | $2,349,981 | $2,178,836 | $24,218,004 | $171,145 |
| 2019 | $1,554,886 | $1,627,146 | $20,439,156 | $-72,260 |
Compare BALTIMORE COMMUNITY LENDING INC with other nonprofits in Maryland and across the country.