University of Maryland Charles Regional Health Inc (EIN 522155576) - Form 990 Financial Analysis & Trantor Score

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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

Phone

3016094130

Tax Period

2024-07-01 to 2025-06-30

University of Maryland Charles Regional Health Inc, founded in 1998, is a mid-sized nonprofit in the Health Care sector that reported $12.0M in total revenue in fiscal year 2024. Revenue surged 22% from the prior year, signaling strong growth momentum. Expenses of $16.0M exceeded revenue, resulting in a 33% operating deficit.

Mission

UNIV. OF MD CHARLES REGIONAL HEALTH, INC. IS THE PARENT COMPANY OF A REGIONAL INTEGRATED HEALTH SYSTEM SERVING THE HEALTH NEEDS OF CHARLES CO. AND THE CITIZENS OF SOUTHERN MARYLAND.

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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 $18,240

Program Service Revenue $10,517,864

Investment Income $0

Other Revenue $1,481,818

TOTAL REVENUE $12,017,922

Expense Breakdown

Grants Paid $0

Salaries & Benefits $13,043,909

Fundraising Expenses $0

Program Expenses $15,733,154

Other Expenses $2,920,312

TOTAL EXPENSES $15,964,221

Year-over-Year Comparison

	2024	2023	Change
Revenue	$12,017,922	$9,851,429	+0.2%
Expenses	$15,964,221	$12,327,656	+0.3%
Net Income	$-3,946,299	$-2,476,227	+0.6%

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

123

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

$1,419,069

Total Directors

$6,033,761

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
ALBERT J ZANGER	SVP and Chief Administrative Officer	1.0	Officer Director	$0	$40,713	$421,796
CRYSTAL HUNT	Secretary/Treasurer	1.0	Officer Director	$0	$0	$0
NOEL A CERVINO	President and CEO (Ended 12/2024)	1.0	Officer Director	$0	$36,769	$712,994
PATRICK PIERCE	Chairman	1.0	Officer Director	$0	$0	$0
TOM DENNISON	VICE CHAIR	1.0	Officer Director	$0	$0	$0
BARRY WOOD	Director	1.0	Director	$0	$0	$0
BRIANNA D BOWLING	DIRECTOR	1.0	Director	$0	$0	$0
CHARLES ROSENFIELD	Director	1.0	Director	$0	$0	$0
CHRISTOPHER SIMPSON	Director	1.0	Director	$0	$0	$0
DIANE HICKS	Director	1.0	Director	$0	$0	$0
IVELISSE MICHEL MD	Director	1.0	Director	$0	$0	$0
JOHN HUNGERFORD	Director (Ended 5/2025)	1.0	Director	$0	$0	$0
MARY LILLY	Director	1.0	Director	$0	$0	$0
MAXWELL GINSBURG MD	DIRECTOR	1.0	Director	$0	$0	$0
MOHAN SUNTHA MD	President and CEO, UMMS	1.0	Director	$0	$70,039	$3,940,617
TAMARA SAUNAITIS	Director	1.0	Director	$0	$118,730	$958,354
LUCAS SATER	VP Finance	1.0	Officer	$0	$18,409	$284,279
DAVID LEVY MD	Physician	40.0	Highest	$554,466	$58,196	$612,662
ERICA C CONTRERAS MD	Physician	40.0	Highest	$458,762	$33,717	$492,479
JOSEPH R MURPHY MD	Physician	40.0	Highest	$724,601	$49,971	$774,572
SAGAL ALI MD	Physician	40.0	Highest	$511,242	$23,036	$534,278
TONG MA MD	Physician	40.0	Highest	$523,951	$12,072	$536,023

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	$12,017,922	$15,964,221	$26,536,105	$-3,946,299
2024	$9,851,429	$12,327,656	$25,967,635	$-2,476,227
2023	$10,178,917	$11,895,455	$24,107,038	$-1,716,538
2022	$9,062,513	$11,936,941	$27,840,576	$-2,874,428
2021	$6,336,616	$9,792,638	$23,244,404	$-3,456,022
2020	$5,853,296	$9,351,739	$24,729,996	$-3,498,443
2019	$4,436,039	$9,348,441	$32,715,330	$-4,912,402
2018	$-248,682	$3,854,200	$29,157,525	$-4,102,882

University of Maryland Charles Regional Health Inc