CREATIVE OPTIONS 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

1992

Legal Domicile

Principal Officer

ELIZABETH EBY

Phone

4107804095

Tax Period

2024-07-01 to 2025-06-30

CREATIVE OPTIONS INC, founded in 1992, is a mid-sized nonprofit in the Human Services sector that reported $27.5M in total revenue in fiscal year 2024. The organization ran a surplus of $5.3M, a strong 19% operating margin.

Mission

TO PROVIDE QUALITY HOUSING, SUPERVISION AND SUPPORT SERVICES FOR DEVELOPMENTALLY DISABLED PERSONS THAT WILL FOSTER MAXIMUM INDPENDENCE AND PERSONAL DEVELOPMENT IN THE LEAST RESTRICTIVE ENVIRONMENT.

Program Service Accomplishments

Program 1

Expenses: $14,094,196 Revenue: $20,071,268

RESIDENTIAL - WE OPERATE OVER 40 HOUSING UNITS THROUGHOUT THE BALTIMORE METRO AREA FOR DEVELOPMENTALLY DISABLED INDIVIDUALS. WE PRIDE OURSELVES ON SUPPORTING INDIVIDUALS IN HOME ENVIRONMENTS WHICH...

RESIDENTIAL - WE OPERATE OVER 40 HOUSING UNITS THROUGHOUT THE BALTIMORE METRO AREA FOR DEVELOPMENTALLY DISABLED INDIVIDUALS. WE PRIDE OURSELVES ON SUPPORTING INDIVIDUALS IN HOME ENVIRONMENTS WHICH PROMOTE GOOD HEALTH AND HYGIENE, SAFETY, INDIVIDUALIZED CHOICES AND AN ATMOSPHERE OF PRIDE. OUR STAFF WORK CLOSELY WITH THE INDIVIDUALS, FAMILY MEMBERS, RESOURCE COORDINATORS AND OTHER PROFESSIONALS TO IDENTIFY THE SPECIFIC NEEDS, WANTS AND DESIRES OF EACH INDIVIDUAL IN OUR PROGRAM.

Program 2

Expenses: $1,797,827 Revenue: $2,442,051

OUR DAY SUPPORT SERVICES PROGRAM OPERATES MONDAY THROUGH FRIDAY 8:30AM TO 3PM AND CONSISTS OF A SPECTRUM OF DAILY STRUCTURED ACTIVITIES. VOCATIONAL DEVELOPMENT & TRAINING ACTIVITIES ARE DESIGNED TO INCREASE AND MAXIMIZE EMPLOYMENT POTENTIAL. THIS PROGRAM OFFERS SESSIONS SUCH AS MONEY MANAGEMENT, CLERICAL ENHANCEMENT, JANITORIAL TRAINING, AND EFFECTIVE COMMUNICATIONS SKILLS. THE DAY HABILITATION INCLUDES ENHANCING AREAS OF PERSONAL DEVELOPMENT, PERSONAL HYGIENE/SENSORY STIMULATION, LEISURE SKILLS, AND COMMUNITY INTEGRATION, MOTOR SKILLS, SPEECH AND LANGUAGE SKILLS.

Program 3

Expenses: $947,509 Revenue: $739,720

RESIDENTIAL FOSTER CARE - THE ORGANIZATION HAS A CONTRACT WITH MARYLAND DEPARTMENT OF HUMAN SERVICES (DHS) TO PROVIDE VARIOUS FOSTER CARE SERVICES. THE FEES ARE BASED UPON A FLAT RATE, EITHER DAILY...

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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 $0

Program Service Revenue $27,461,560

Investment Income $0

Other Revenue $9,158

TOTAL REVENUE $27,470,718

Expense Breakdown

Grants Paid $0

Salaries & Benefits $16,021,415

Fundraising Expenses $0

Program Expenses $18,525,783

Other Expenses $6,159,782

TOTAL EXPENSES $22,181,197

Year-over-Year Comparison

	2024	2023	Change
Revenue	$27,470,718	$26,030,705	+0.1%
Expenses	$22,181,197	$19,995,727	+0.1%
Net Income	$5,289,521	$6,034,978	-0.1%

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

324

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

$477,205

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
VERONICA NAUJOKAS	DIRECTOR	1.00	Director	$0	$0	$0
TINA MICELLI-MILLER	DIRECTOR	1.00	Director	$0	$0	$0
DOROTHEA TAYLOR	DIRECTOR	1.00	Director	$0	$0	$0
BILLIE SIMMONS	DIRECTOR	1.00	Director	$0	$0	$0
CLAUDIA LAVIN	DIRECTOR	1.00	Director	$0	$0	$0
ELIZABETH EBY	CHIEF EXECUTIVE OFFICER	40.00	Officer	$222,619	$16,357	$238,976
VANESSA TAYLOR	CHIEF FINANCIAL OFFICER	40.00	Officer	$222,719	$15,510	$238,229
NADEA MASON	DEPUTY DIRECTOR	40.00	Highest	$118,486	$6,763	$125,249
ESTHER SPENCE	DIRECT SUPPORT PROFESSIONAL	40.00	Highest	$108,603	$3,258	$111,861
MICHAEL MACK	DIRECT SUPPORT PROFESSIONAL	40.00	Highest	$105,328	$6,358	$111,686
LATOYA ALEXANDER	DIRECT SUPPORT PROFESSIONAL	40.00	Highest	$105,354	$1,047	$106,401
OLISAEMEKA EZEANYA	DIRECT SUPPORT PROFESSIONAL	40.00	Highest	$102,393	$0	$102,393

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	$27,470,718	$22,181,197	$31,588,199	$5,289,521
2024	No data	No data	No data	No data
2023	$24,586,200	$18,682,019	$22,094,065	$5,904,181
2022	$18,173,420	$16,458,815	$7,621,514	$1,714,605
2021	$18,062,060	$16,319,532	$5,912,268	$1,742,528
2020	$14,130,157	$14,857,954	$5,872,529	$-727,797
2019	$14,057,382	$13,747,984	$4,152,894	$309,398
2018	$12,993,245	$12,963,255	$3,550,500	$29,990