THE COMMUNITY TRUST FOUNDATION INC

EIN: 680629840 501(c)(3) Philanthropy & Grantmaking

CUMBERLAND, MD

Total Revenue
$1,069,333
Total Expenses
$562,723
Total Assets
$10,797,505
Net Assets
$10,597,306
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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
2006
Legal Domicile
MD
Phone
3018769172
Tax Period
2023-01-01 to 2023-12-31

THE COMMUNITY TRUST FOUNDATION INC, founded in 2006, is a community nonprofit in the Philanthropy & Grantmaking sector that reported $1.1M in total revenue in fiscal year 2023. Revenue surged 26% from the prior year, signaling strong growth momentum. The organization ran a surplus of $507K, a strong 47% operating margin.

Mission

TO STRENGTHEN THE REGION BY WORKING IN PARTNERSHIP WITH DONORS AND COMMUNITY GROUPS TO: BUILD PHILANTHROPIC RESOURCES, CONNECT DONORS TO ORGANIZATIONS/PROGRAMS THEY CARE ABOUT, MAKE EFFECTIVE GRANTS THAT IMPACT NEEDS

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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%)

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Financial Overview (2023)

Revenue Breakdown

Contributions & Grants $749,655
Program Service Revenue $0
Investment Income $319,678
Other Revenue $0
TOTAL REVENUE $1,069,333

Expense Breakdown

Grants Paid $339,386
Salaries & Benefits $102,172
Fundraising Expenses $16,379
Program Expenses $512,042
Other Expenses $121,165
TOTAL EXPENSES $562,723

Year-over-Year Comparison

2023 2022 Change
Revenue $1,069,333 $849,070 +0.3%
Expenses $562,723 $685,443 -0.2%
Net Income $506,610 $163,627 +2.1%
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

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Governance

Voting Members
15
Independent Members
15
Employees
2
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
3
$0
Total Directors
12
$0
Key Employees
1
$60,632
Highest Compensated
1
reported
Name Title Hours/Week Role Reportable Comp Other Comp Total
MIRJHANNA BUCK PRESIDENT 2.00
Officer
$0 $0 $0
JEFF RHODES VICE PRESIDENT 2.00
Officer
$0 $0 $0
RAY MORRISS SECRETARY 2.00
Officer
$0 $0 $0
LEAH SHAFFER EXECUTIVE DIRECTOR 40.00
Key Emp Highest
$60,632 $0 $60,632
KAREN MYERS TRUSTEE 2.00
Director
$0 $0 $0
CHRISTINE SISLER TRUSTEE 2.00
Director
$0 $0 $0
AMY WHITE TRUSTEE 2.00
Director
$0 $0 $0
MARION LEONARD TRUSTEE 2.00
Director
$0 $0 $0
JOYCE FLINN TRUSTEE 2.00
Director
$0 $0 $0
CHELSEA STUCK TRUSTEE 2.00
Director
$0 $0 $0
PAM JAN TRUSTEE 2.00
Director
$0 $0 $0
SHERRI SENSABAUGH TRUSTEE 2.00
Director
$0 $0 $0
NICHOLAS MONTELEONE TRUSTEE 2.00
Director
$0 $0 $0
MARGARET MILTENBERGER TRUSTEE 2.00
Director
$0 $0 $0
STACEY BOGGS TRUSTEE 2.00
Director
$0 $0 $0
MARTIN HEISE TRUSTEE 2.00
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
2024 No data No data No data No data
2023 $1,069,333 $562,723 $10,797,505 $506,610
2022 $849,070 $685,443 $9,375,020 $163,627
2021 $1,532,883 $664,717 $10,693,451 $868,166
2020 $1,828,931 $350,937 $9,773,040 $1,477,994
2019 $1,652,653 $469,583 $8,304,342 $1,183,070
2018 $2,880,967 $393,321 $7,119,055 $2,487,646
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