HOWARD COUNTY PREGNANCY CENTER INC

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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

1990

Legal Domicile

Principal Officer

SUSAN MCGRATH

Phone

4107303223

Tax Period

2025-01-01 to 2025-12-31

HOWARD COUNTY PREGNANCY CENTER INC, founded in 1990, is a small nonprofit in the Health Care sector that reported $420K in total revenue in fiscal year 2025. Revenue grew 16% year-over-year, indicating healthy expansion. Expenses of $478K exceeded revenue, resulting in a 14% operating deficit.

Mission

THE ORGANIZATION SERVES MOTHERS, FATHERS AND THEIR FAMILIES WITH CRISIS PREGNANCIES, PROVIDES ALTERNATIVES TO ABORTION, PROVIDES MEDICAL SERVICES AND ASSISTANCE, WHEN NECESSARY, AND PROVIDES REFERALS FOR SHELTER NEEDS, COUNSELORS AND SUPPORT GROUPS.

Program Service Accomplishments

Program 1

Expenses: $333,606 Revenue: $0

SERVICES TO MOTHERS AND FATHERS WITH CRISIS PREGNANCIES.

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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 (2025)

Revenue Breakdown

Contributions & Grants $409,120

Program Service Revenue $0

Investment Income $19,283

Other Revenue $-8,350

TOTAL REVENUE $420,053

Expense Breakdown

Grants Paid $0

Salaries & Benefits $300,696

Fundraising Expenses $56,491

Program Expenses $333,606

Other Expenses $177,617

TOTAL EXPENSES $478,313

Year-over-Year Comparison

	2025	2024	Change
Revenue	$420,053	$361,723	+0.2%
Expenses	$478,313	$330,798	+0.4%
Net Income	$-58,260	$30,925	-2.9%

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

$166,908

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
MARIA CALANDRA	EXECUTIVE DIRECTOR	40.00	Officer	$109,846	$0	$109,846
SUSAN MCGRATH	OPERATIONS DIRECTOR	40.00	Officer	$57,062	$0	$57,062
MARCELA PASETTI	PRESIDENT	1.00	Officer Director	$0	$0	$0
GINNY SNIEZEK	SECRETARY	1.00	Officer Director	$0	$0	$0
SCOT MORRIS	MEMBER	1.00	Director	$0	$0	$0
JOHN OLIVER	MEMBER	1.00	Director	$0	$0	$0
THERESA ARLINGHAUS	MEMBER	1.00	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
2025	$420,053	$478,313	$470,144	$-58,260
2024	No data	No data	No data	No data
2023	$421,403	$357,605	$467,296	$63,798
2022	$396,628	$368,239	$384,546	$28,389
2021	$377,032	$325,595	$384,331	$51,437
2020	$314,817	$283,929	$328,287	$30,888
2019	$295,005	$303,245	$286,357	$-8,240
2018	$237,894	$274,222	$280,724	$-36,328