MARYLAND FARMERS MARKET ASSOCIATION (EIN 800874086) - 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

2013

Legal Domicile

Principal Officer

LAURA HOWARD

Phone

4109291645

Tax Period

2019-01-01 to 2019-12-31

MARYLAND FARMERS MARKET ASSOCIATION, founded in 2013, is a small nonprofit that reported $590K in total revenue in fiscal year 2019. Revenue surged 50% from the prior year, signaling strong growth momentum. Expenses of $568K left a modest 4% surplus.

Mission

TO CULTIVATE A VIBRANT AND SUSTAINABLE FARMERS MARKET COMMUNITY IN THE STATE OF MARYLAND, EXPAND FOOD ACCESS TO POPULATIONS OF ALL INCOMES, AND PROVIDE EDUCATION ON TOPICS RELATED TO FOOD, AGRICULTURE, AND NUTRITION.

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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 (2019)

Revenue Breakdown

Contributions & Grants $586,693

Program Service Revenue $1,148

Investment Income $0

Other Revenue $2,321

TOTAL REVENUE $590,162

Expense Breakdown

Grants Paid $44,000

Salaries & Benefits $176,608

Fundraising Expenses $14,464

Program Expenses $480,986

Other Expenses $347,670

TOTAL EXPENSES $568,278

Year-over-Year Comparison

	2019	2018	Change
Revenue	$590,162	$394,719	+0.5%
Expenses	$568,278	$450,466	+0.3%
Net Income	$21,884	$-55,747	-1.4%

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

$50,490

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
AMY CRONE	EXECUTIVE DI	40.00	Officer	$50,490	$0	$50,490
JOHN DOVE	DIRECTOR	1.00	Director	$0	$0	$0
LAURA HOWARD	DIRECTOR	1.00	Officer Director	$0	$0	$0
JANNA HOWLEY	TREASURER	1.00	Director	$0	$0	$0
CAILTIN MISIASZEK	DIRECTOR	1.00	Officer Director	$0	$0	$0
MATHEW SWINBURNE	DIRECTOR	1.00	Director	$0	$0	$0
LYNN RUBIN TRAVERSA	DIRECTOR	1.00	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
2019	$590,162	$568,278	$128,160	$21,884
2018	$394,719	$450,466	$60,172	$-55,747

MARYLAND FARMERS MARKET ASSOCIATION