University of Maryland Upper Chesapeake Health

Legal name: Upper Chesapeake Medical Services Inc

Nonprofit profile at a glance

EIN
521501734
IRS 990 coverage
2010–2024
Official website data refreshed
Sep 2026
Forms available
Form 990 2024
Location
Bel Air, MD, USA
Phone
443-643-1000
Rating
80
Verdict
STRONG
Rating confidence
Moderate
Sector
Group Health Practice (Health Maintenance Organizations)

Official website

Reported finances

Revenue
$101,490,464
Expenses
$120,239,943
Assets
$6,871,159
Liabilities
$3,972,740

Source: IRS Form 990. Selected filing: tax year 2024. Amounts in USD.

Leadership & pay

18 people listed

Executive titles in this filing

  • ELIZABETH WISE (PRESIDENT/CEO, UMUCHS)

Highest reported compensation

  • RAJ YALAMANCHILI (PHYSICIAN): $911,621 total reported compensation
  • EDWARD G OMARA MD (PHYSICIAN): $897,108 total reported compensation
  • WILLIAM P COOK MD (PHYSICIAN): $871,430 total reported compensation

Source: IRS Form 990. Selected filing: tax year 2024. Names and roles reflect this filing, not necessarily current officeholders.

Overview

Mission

To provide Marylanders a better state of care.

What it reported doing in 2024

Upper chesapeake medical services, inc. Houses the activity of primary care, surgeons, specialists and hospitalists. These physicians treat exclusively upper chesapeake health system patients. Physicians charge reasonable rates for their services in order to ensure that these services are widely available to the community. All bariatric patients are patients of upper chesapeake medical center or harford memorial hospital, and accordingly, are provided charity care to the same extent that it is available under the hospital's charity care policy.

Operating model

Revenue model
Other-operating. 100% of the money available for current operations came from other operating revenue.
Distribution model
Direct operator. The filing allocates 100% of reported program-service expenses outside its grant, affiliate-payment, and member-benefit lines. This expense classification does not rule out separately announced grant awards.

The verdict

STRONG - A large share of available resources goes toward mission work and the filed numbers largely add up. Expenses are high relative to revenue and some filing-based governance responses are negative or unanswered.

Rating breakdown

  • Financial Efficiency: 89
  • Transparency & Controls: 88
  • Accountability: 68
  • Sustainability: 9
  • Growth: 80

Detailed rating inputs

Financial Efficiency

  • Mission deployment rate: 100%; rating input score 100
  • Program expense ratio: 99.9%; rating input score 100
  • Fundraising efficiency: Limited

Transparency & Controls

  • Consistency checks: 100%; rating input score 100; 68th percentile among comparable filings
  • Pay-setting controls: 4 of 6 controls in place; rating input score 67
    • Compensation committee: Pass
    • Independent consultant: Pass
    • Other Form 990s reviewed: Missing
    • Written employment contract: Missing
    • Compensation survey or study: Pass
    • Board or committee approval: Pass
  • Foreign activity oversight: Limited
  • Grant itemization coverage: Limited
  • Major donor itemization: Limited
  • Related-party transparency: Limited

Accountability

  • Independent voting board: 60%; rating input score 60; 16th percentile among comparable filings
  • Governance controls: 7 of 9 controls in place; rating input score 78
    • Conflict-of-interest policy: Pass
    • Whistleblower policy: Pass
    • Document-retention policy: Pass
    • CEO compensation review process: Fail
    • Other executive compensation review process: Fail
    • Form 990 shared with the board: Pass
    • Board meeting minutes documented: Pass
    • Audit committee oversight: Pass
    • Independent financial-statement audit: Pass

Sustainability

  • Operating margin: -18.5%; rating input score 4; 4th percentile among comparable filings
  • Total-asset coverage ratio: 0.06; rating input score 2; 2nd percentile among comparable filings
  • Liabilities to assets ratio: 0.58; rating input score 30; 30th percentile among comparable filings
  • Officer compensation ratio: 4.4%; rating input score 22; 22nd percentile among comparable filings

Growth

  • Program expense growth: 7% per year; rating input score 100; 57th percentile among comparable filings
  • Revenue growth: 5.5% per year; rating input score 100; 47th percentile among comparable filings
  • Asset growth: -0% per year; rating input score 0; 7th percentile among comparable filings

Details

  • What they do: 7 programs and campaigns described on the official site
  • Where the money goes: 100% of revenue deployed · 99.9% of spending went to programs
  • Governance: 6 of 10 board members independent · 7 of 9 filing controls reported
  • Programs: 1 filed program accomplishment · $120.2M in reported program spending
  • Leadership: top reported pay $912K · 18 people listed · 4 of 6 pay-setting controls reported
  • Highest-paid contractors: 5 contractors listed · $5.4M reported
  • Consistency: 28 of 28 current checks pass
  • Schedules: 5 filed schedules · includes executive pay
  • Filing history: 15 filing years from 2010 to 2024
  • Contacts: How to reach this organization
  • Money network: 6 filed money-flow records
  • Related organizations: 68 filed related-organization links
  • Grant readiness: Federal tax and exclusion status, award history, and grant-maker relationships.
  • People: Everyone the filings name, and which of them the filings identify by more than a name.

Key Signals

Signals prioritize questions for review. They are not findings of misconduct.

  • High — Sustainability: Operating margin scored 4/100.
  • Review — Accountability: Governance controls: 2 of 9 not reported.
  • High — Sustainability: Total-asset coverage ratio scored 2/100.
  • High — Growth: Asset growth scored 0/100.
  • High — Sustainability: Officer compensation ratio scored 22/100.
  • Moderate — Sustainability: Liabilities to assets ratio scored 30/100.