Ymca of Cumberland Maryland Inc
Nonprofit profile at a glance
- EIN
- 520591700
- IRS 990 coverage
- 2009–2025
- Forms available
- Form 990 2025
- Location
- Cumberland, MD, USA
- Phone
- 3017779622
- Rating
- 87
- Verdict
- STRONG
- Rating confidence
- Standard
- Sector
- Young Men's or Women's Associations
Reported finances
- Revenue
- $3,279,244
- Expenses
- $3,474,244
- Assets
- $6,765,122
- Liabilities
- $2,548,903
Source: IRS Form 990. Selected filing: tax year 2025. Amounts in USD.
Leadership & pay
17 people listed
Executive titles in this filing
- JULIE O'NEAL (CEO)
- CASEY ROBERTS (PRESIDENT)
Highest reported compensation
- JULIE O'NEAL (CEO): $123,353 total reported compensation
Source: IRS Form 990. Selected filing: tax year 2025. Names and roles reflect this filing, not necessarily current officeholders.
Overview
Mission
The ymca is a non-profit organization dedicated to serve human needs through programs and services that promote lifelong personal growth and the balanced development of spirit, mind and body.
What it reported doing in 2025
Social Responsibility - The Gilchrist Center campus of the Cumberland YMCA offers various housing programs through HUD grant funding, including both Transitional and Communtity Housing Programs for homeless families and individuals from the surrounding area. That campus is also the only location within the County that offers housing to single men who are both homeless and have some type of disability. All housing programs offer supportive case management services to the participants. An average of 104 people per night have a roof over their head due to these housing programs. The Family Center program offers non-traditional high school classroom (through referals by the Board of Education), employment skills and linkages, service coordination, child development room, parenting, computer skills, life skills, health information, field trips and in home/in school intervention for young families. The Riverside YMCAs teen pregnancy prevention project is designed to reduce sexual risk behaviors among low-income youth, 11 to 14 years old by providing them with the motivation to make safe choices and to address deeper barriers to sexual risk prevention. The YMCA is uniquely poised for using fun and recreation to attract program participants and strengthen the parent-child connectedness - a crucial component in the effectiveness of absitnence messages given by the parents. These socially responsible programs are supported by grant funding sources.
Operating model
- Revenue model
- Mixed. Its operating money came from several sources; no one source provided a clear majority.
- 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: 88
- Transparency & Controls: 86
- Accountability: 95
- Sustainability: 33
- Growth: 100
Detailed rating inputs
Financial Efficiency
- Mission deployment rate: 92.2%; rating input score 92
- Program expense ratio: 86.9%; rating input score 87
- Fundraising efficiency: $39.26 raised per $1 spent on fundraising; rating input score 75; 75th percentile among comparable filings
Transparency & Controls
- Consistency checks: 83.3%; rating input score 83; 1st percentile among comparable filings
- Pay-setting controls: Limited
- Foreign activity oversight: Limited
- Grant itemization coverage: Limited
- Major donor itemization: Yes; rating input score 100
- Related-party transparency: Limited
Accountability
- Independent voting board: 100%; rating input score 100; 63rd percentile among comparable filings
- Governance controls: 7 of 8 controls in place; rating input score 88
- Conflict-of-interest policy: Pass
- Whistleblower policy: Pass
- Document-retention policy: Pass
- CEO compensation review process: Pass
- Other executive compensation review process: NotApplicable
- Form 990 shared with the board: Fail
- Board meeting minutes documented: Pass
- Audit committee oversight: Pass
- Independent financial-statement audit: Pass
Sustainability
- Operating margin: -5.9%; rating input score 14; 14th percentile among comparable filings
- Total-asset coverage ratio: 1.95; rating input score 56; 56th percentile among comparable filings
- Liabilities to assets ratio: 0.38; rating input score 22; 22nd percentile among comparable filings
- Officer compensation ratio: 3.6%; rating input score 66; 66th percentile among comparable filings
Growth
- Program expense growth: 1.8% per year; rating input score 100; 18th percentile among comparable filings
- Revenue growth: 0.9% per year; rating input score 100; 11th percentile among comparable filings
- Asset growth: 1% per year; rating input score 100; 13th percentile among comparable filings
Details
- Where the money goes: 92.2% of revenue deployed · 86.9% of spending went to programs
- Governance: 16 of 16 board members independent · 7 of 8 filing controls reported
- Programs: 3 filed program accomplishments · $3M in reported program spending
- Leadership: top reported pay $123K · 17 people listed
- Consistency: 29 of 31 current checks pass · 2 findings to review
- Schedules: 5 filed schedules · includes major donors
- Filing history: 17 filing years from 2009 to 2025
- Contacts: How to reach this organization
- Money network: 1 filed money-flow record
- Related organizations: 2 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 14/100.
- Review — Accountability: Governance controls: Form 990 shared with the board not reported.
- Moderate — Transparency & Controls: Schedule A contributions reconciliation did not reconcile in the filed values.
- Review — Transparency & Controls: Schedule R controlled transactions itemized did not reconcile in the filed values.
- Review — Sustainability: Total-asset coverage ratio scored 56/100.
- High — Sustainability: Liabilities to assets ratio scored 22/100.