MARYLAND CAPITAL ENTERPRISES 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

1998

Legal Domicile

Principal Officer

MAURICE AMES

Phone

4105461900

Tax Period

2024-10-01 to 2025-09-30

MARYLAND CAPITAL ENTERPRISES INC, founded in 1998, is a community nonprofit in the Human Services sector that reported $5.0M in total revenue in fiscal year 2024. Revenue decreased 18% compared to the prior year. The organization ran a surplus of $2.7M, a strong 54% operating margin.

Mission

WE EMPOWER BUSINESSES TO GROW,CREATE JOBS AND GENERATE WEALTH ON MARYLAND'S EASTERN SHORE AND ACROSS THE STATE.

Program Service Accomplishments

Program 1

Expenses: $2,052,346 Revenue: $1,035,720

COUNSELING, TECHNICAL ASSISTANCE, TRAINING IN BUSINESS STARTUP, AND LOANS TO MICRO BUSINESSES.PROVIDE POTENTIAL ENTREPRENEURS WITH THEIR BUSINESS IDEA, BUSINESS STARTUP CHECKLIST, AND PROVIDE...

COUNSELING, TECHNICAL ASSISTANCE, TRAINING IN BUSINESS STARTUP, AND LOANS TO MICRO BUSINESSES.PROVIDE POTENTIAL ENTREPRENEURS WITH THEIR BUSINESS IDEA, BUSINESS STARTUP CHECKLIST, AND PROVIDE BUSINESS AND MARKETING PLAN ASSISTANCE, PROVIDED ASSISTANCE TO 798 PEOPLE.TRAINING ON FIRST STEPS IN STARTING A BUSINESS, MARKETING OF BUSINESS, AND HOW TO WRITE A BUSINESS PLAN - PROVIDED ASSISTANCE TO 2,174 PEOPLE.LOANS - TO MICRO BUSINESSES - PROVIDED 87 LOANS TOTALLING $5,209,500.

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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 $3,923,621

Program Service Revenue $117,126

Investment Income $977,751

Other Revenue $-7,040

TOTAL REVENUE $5,011,458

Expense Breakdown

Grants Paid $0

Salaries & Benefits $848,918

Fundraising Expenses $0

Program Expenses $2,052,346

Other Expenses $1,461,173

TOTAL EXPENSES $2,310,091

Year-over-Year Comparison

	2024	2023	Change
Revenue	$5,011,458	$6,094,228	-0.2%
Expenses	$2,310,091	$1,946,518	+0.2%
Net Income	$2,701,367	$4,147,710	-0.3%

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

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

$87,687

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
DAN KEUNNEN	BOARD CHAIRMAN	2.00	Officer Director	$0	$0	$0
OLIVER WATERS	TREASURER	2.00	Officer Director	$0	$0	$0
KELLY REW	SECRETARY	2.00	Officer Director	$0	$0	$0
DEBBIE ABBOTT	DIRECTOR	2.00	Director	$0	$0	$0
JOHN HICKMAN	DIRECTOR	2.00	Director	$0	$0	$0
LAMONTE COOKE	DIRECTOR	2.00	Director	$0	$0	$0
ROB DAVIS CPA	DIRECTOR	2.00	Director	$0	$0	$0
J MICHAEL COTTINGHAM	DIRECTOR	2.00	Director	$0	$0	$0
MEREDITH MEARS	DIRECTOR	2.00	Director	$0	$0	$0
RONALD MOLOCK	DIRECTOR	2.00	Director	$0	$0	$0
CARLTON STANLEY	DIRECTOR	2.00	Director	$0	$0	$0
DORIS MASON	DIRECTOR	2.00	Director	$0	$0	$0
MAURICE AMES	EXECUTIVE DIRECTOR	40.00	Officer	$87,687	$0	$87,687

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	$5,011,458	$2,310,091	$23,479,035	$2,701,367
2024	$6,094,228	$1,946,518	$21,295,611	$4,147,710
2023	$4,711,871	$1,484,746	$17,669,403	$3,227,125
2022	$4,365,107	$2,142,434	$14,370,927	$2,222,673
2021	$4,572,736	$2,068,444	$12,872,521	$2,504,292
2020	$1,040,258	$808,698	$10,144,876	$231,560
2019	$1,069,001	$962,028	$9,536,733	$106,973
2018	$1,657,253	$768,301	$9,868,358	$888,952