FRIENDS OF THE ABERDEEN B AND O TRAIN STATION INC (EIN 851444115) - 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

2020

Legal Domicile

Principal Officer

Peter Dacey

Phone

4104598742

Tax Period

2025-01-01 to 2025-12-31

FRIENDS OF THE ABERDEEN B AND O TRAIN STATION INC, founded in 2020, is a micro nonprofit that reported $21K in total revenue in fiscal year 2025. Revenue fell 97% from the prior year — a significant decline worth monitoring. Net assets of $1.2M represent 704 months of operating reserves.

Mission

Restore and protect the historic Aberdeen B&O Train Station in Aberdeen, MD

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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 (2025)

Revenue Breakdown

Contributions & Grants $21,218

Program Service Revenue $0

Investment Income $0

Other Revenue $0

TOTAL REVENUE $21,218

Expense Breakdown

Grants Paid $0

Salaries & Benefits $770

Fundraising Expenses $2,775

Program Expenses $12,196

Other Expenses $21,040

TOTAL EXPENSES $21,810

Year-over-Year Comparison

	2025	2024	Change
Revenue	$21,218	$777,159	-1.0%
Expenses	$21,810	$776,083	-1.0%
Net Income	$-592	$1,076	-1.6%

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

N/A

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

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
William E Brady	Director	6	Director	$0	$0	$0
Jeff Clute	Director	2	Director	$0	$0	$0
Wally Hawtin	Director	2	Director	$0	$0	$0
Josh Pons	Director	2	Director	$0	$0	$0
Peter Dacey	President	8	Officer	$0	$0	$0
Robert Tarring	Vice President	4	Officer	$0	$0	$0
Jean Miller	Secretary	5	Officer	$0	$0	$0
Charles Jacobs	Treasurer	8	Officer	$0	$0	$0
Nancy Elizabeth Osborn	Director	5	Officer	$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
2025	$21,218	$21,810	$1,244,511	$-592
2024	$777,159	$776,083	$1,245,103	$1,076
2023	$106,986	$24,097	$487,410	$82,889
2022	$389,998	$33,787	$406,782	$356,211
2021	$177,545	$175,572	$1,973	$1,973

FRIENDS OF THE ABERDEEN B AND O TRAIN STATION INC