THE ARC OF FREDERICK COUNTY 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

1958

Legal Domicile

Principal Officer

ADRIANA TORO

Phone

3016630909

Tax Period

2024-07-01 to 2025-06-30

THE ARC OF FREDERICK COUNTY INC, founded in 1958, is a mid-sized nonprofit that reported $16.4M in total revenue in fiscal year 2024. The organization ran a surplus of $2.9M, a strong 17% operating margin.

Mission

THE ARC OF FREDERICK COUNTY HELPS PEOPLE WITH DEVELOPMENTAL DISABILITIES LIVE ENVIABLE LIVES, THAT IS, LIVES FILLED WITH PURPOSE AND MEANING, WITH FRIENDS AND FAMILY. THE ARC PROVIDES SERVICES AND ADVOCACY.

Program Service Accomplishments

Program 1

Expenses: $8,445,555 Revenue: $10,620,825

PERSONAL SUPPORT - INDIVIDUAL SUPPORT TO ASSIST PEOPLE TO LEARN ACTIVITIES OF DAILY LIVING; MAINTAIN A HEALTHY, ACTIVE LIFE STYLE; MAKE MEANINGFUL COMMUNITY CONNECTIONS; AND BUILD SELF-ADVOCACY...

PERSONAL SUPPORT - INDIVIDUAL SUPPORT TO ASSIST PEOPLE TO LEARN ACTIVITIES OF DAILY LIVING; MAINTAIN A HEALTHY, ACTIVE LIFE STYLE; MAKE MEANINGFUL COMMUNITY CONNECTIONS; AND BUILD SELF-ADVOCACY SKILLS.

Program 2

Expenses: $3,055,564 Revenue: $4,581,378

DAY SERVICES - INDIVIDUAL SUPPORT TO ASSIST PEOPLE TO CREATE MEANINGFUL DAYS IN WORKING; ATTENDING COLLEGE OR OTHER CLASSES; VOLUNTEERING; VOCATIONAL SKILLS LEARNING; AND BY SOCIALIZATION, EXPLORING...

Program 3

Expenses: $375,344 Revenue: $325,051

INFORMATION AND REFERRAL - SERVICES TO ASSIST PEOPLE WITH DISABILITIES, THEIR FAMILIES, OR OTHER COMMUNITY MEMBERS TO LOCATE RESOURCES; RECEIVE EDUCATIONAL ADVOCACY, FUTURE AND ESTATE PLANNING, AND...

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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 $167,860

Program Service Revenue $15,882,757

Investment Income $394,542

Other Revenue $0

TOTAL REVENUE $16,445,159

Expense Breakdown

Grants Paid $0

Salaries & Benefits $12,174,917

Fundraising Expenses $4,117

Program Expenses $12,086,385

Other Expenses $1,400,822

TOTAL EXPENSES $13,575,739

Year-over-Year Comparison

	2024	2023	Change
Revenue	$16,445,159	$15,793,234	+0.0%
Expenses	$13,575,739	$12,209,646	+0.1%
Net Income	$2,869,420	$3,583,588	-0.2%

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

428

Volunteers

107

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

$336,881

Total Directors

Key Employees

$284,969

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
CINDY KOPCIAK	DIRECTOR	2.00	Director	$0	$0	$0
KATHY LAKY	VICE PRESIDENT	2.00	Officer Director	$0	$0	$0
WENDY ANDREWS	DIRECTOR	2.00	Director	$0	$0	$0
SHAWN DENNISON	DIRECTOR	2.00	Director	$0	$0	$0
DUNCAN BARKS	TREASURER	2.00	Officer Director	$0	$0	$0
ADRIANA TORO	PRESIDENT	2.00	Officer Director	$0	$0	$0
DENNY WEIKERT	DIRECTOR	2.00	Director	$0	$0	$0
CAROL DEBOW	DIRECTOR	2.00	Director	$0	$0	$0
GRETA HARRISON	SECRETARY	2.00	Officer Director	$0	$0	$0
MARK RANDOLPH	DIRECTOR	2.00	Director	$0	$0	$0
GRANT KELSEY	DIRECTOR	2.00	Director	$0	$0	$0
SHAUNA MULCAHY	EXECUTIVE DIRECTOR	40.00	Officer	$159,363	$46,594	$205,957
KAREN DAFONSECA	FINANCIAL DIRECTOR	40.00	Officer	$103,340	$27,584	$130,924
JOANNA PIERSON	DIRECTOR OF RESEARCH & DEV	40.00	Key Emp	$248,731	$36,238	$284,969
AARON STEPHENS	DIRECTOR OF STRATRGIC INITIATIVES	40.00	Highest	$127,803	$30,244	$158,047
CHRISTINE GARRITY-CARNEY	ALLEGANY COUNTY DIRECTOR	40.00	Highest	$101,587	$33,009	$134,596

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	$16,445,159	$13,575,739	$24,868,226	$2,869,420
2024	$15,793,234	$12,209,646	$21,668,105	$3,583,588
2023	$12,816,520	$9,972,651	$20,303,813	$2,843,869
2022	$10,404,107	$8,234,864	$21,726,552	$2,169,243
2021	$9,785,252	$6,678,877	$19,696,940	$3,106,375
2020	$7,326,622	$6,856,917	$12,393,594	$469,705
2019	$7,419,454	$6,812,698	$10,641,709	$606,756
2018	$7,666,969	$7,088,417	$11,275,834	$578,552