CAMBRIDGE MAIN STREET INC (EIN 521965201) - Form 990 Financial Analysis & Trantor Score

🔒

Financial Vulnerability Assessment (Tuckman-Chang)

4 risk indicators measuring financial stability and operational resilience

Sign in with your work email to view Tuckman-Chang indicators

Financial Trends

Organization Details

Formation Year

1995

Legal Domicile

Principal Officer

CHARLES EDMONDSON

Phone

4434770843

Tax Period

2024-07-01 to 2025-06-30

CAMBRIDGE MAIN STREET INC, founded in 1995, is a micro nonprofit in the Community Improvement sector that reported $79K in total revenue in fiscal year 2024. Revenue fell 57% from the prior year — a significant decline worth monitoring. Expenses of $166K exceeded revenue, resulting in a 110% operating deficit.

Mission

PROMOTES BUSINESS ECONOMIC DEVELOPMENT AND TOURISM IN DOWNTOWN CAMBRIDGE, MARYLAND.

🔒

Trantor Score

Financial Health Score (300–850) · Liquidity · Solvency · Sustainability · Efficiency

Sign in to view Trantor Score and financial metrics

Liquidity (40%) • Solvency (30%) • Sustainability (20%) • Efficiency (10%)

Financial Overview (2024)

Revenue Breakdown

Contributions & Grants $37,572

Program Service Revenue $34,321

Investment Income $0

Other Revenue $6,879

TOTAL REVENUE $78,772

Expense Breakdown

Grants Paid $0

Salaries & Benefits $63,252

Fundraising Expenses $0

Program Expenses $153,328

Other Expenses $102,359

TOTAL EXPENSES $165,611

Year-over-Year Comparison

	2024	2023	Change
Revenue	$78,772	$181,379	-0.6%
Expenses	$165,611	$191,603	-0.1%
Net Income	$-86,839	$-10,224	+7.5%

Key Indicators

✗ Grants to Organizations ✗ Grants to Individuals ✗ Lobbying ✗ Political Activity ✗ Foreign Activities ✗ Donor Advised Fund ✗ Schedule B Required

🔒

Financial Health Indicators

Comprehensive financial analysis: Altman Z-Score, liquidity, solvency, sustainability, efficiency, and growth metrics

Financial Distress Indicator

Liquidity & Cash Position

Sign in to view all financial metrics

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

$58,615

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
CHRISTINA WINGATE SPENCE	EXECUTIVE DI	3.00	Director	$58,615	$0	$58,615
IVAN COLON	DIRECTOR	3.00	Director	$0	$0	$0
LORI DEVER	PRESIDENT	3.00	Officer Director	$0	$0	$0
CHARLES EDMONDSON	TREASURER	3.00	Officer Director	$0	$0	$0
PATTI GODLEE	VICE-PRESIDE	3.00	Officer Director	$0	$0	$0
LOU HYMAN	DIRECTOR	3.00	Director	$0	$0	$0
CHAD MALKUS	DIRECTOR	3.00	Director	$0	$0	$0
TYKEIA PALMORE	DIRECTOR	3.00	Director	$0	$0	$0
YAGMUR QUILLEN	DIRECTOR	3.00	Director	$0	$0	$0
BRETT SUMMERS	DIRECTOR	3.00	Director	$0	$0	$0
SUSAN WILEY	SECRETARY	3.00	Officer 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	$78,772	$165,611	$73,734	$-86,839
2024	No data	No data	No data	No data
2023	$164,326	$186,340	$173,314	$-22,014
2022	$134,891	$76,352	$183,288	$58,539
2021	$465,763	$461,679	$120,106	$4,084
2020	$280,503	$253,552	$129,376	$26,951

CAMBRIDGE MAIN STREET INC