Arts, Culture & Humanities (A500) 990 on File

CHESAPEAKE BAY MARITIME MUSEUM INC

EIN: 23-7051889 · ST MICHAELS, MD 21663-2103 · United States · FY 2026 Data

3 out of 5 57 / 100 Based on 2+ years of filings

Financial strength (30%) 82/100

Reliability (20%) 55/100

Effectiveness (25%) 88/100

Impact (25%) No data yet

Financial data: FY 2026 · Scored 9/13/2026

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CharityAI™ Score

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Financial Overview — FY 2026

$12.3M

Total Revenue

$7.8M

Total Expenses

$45.1M

Net Assets

101

Employees

Revenue Sources

Expense Breakdown

Program Expense Ratio 75.5%

Fundraising Efficiency 316.8%

Operating Reserve 69.01x

Liability-to-Asset 6.5%

Revenue Diversification 68.9%

Executive Compensation $694K

Compared with Peers

FY 2026

Compared with 11 similar organizations (United States, Arts, Culture & Humanities, $1M–$10M in expenses), FY 2026.

This organization Middle half of peers (P25–P75) Peer median

Ratio	This org	Peer median	Position (P10 → P90)
Program expense ratio Program expenses / total expenses · higher is better	75.5%	83.4%	P10P90	Below median
Admin expense ratio Management and general / total expenses · lower is better	18.5%	16.6%	P10P90	Below median
Fundraising expense ratio Fundraising expenses / total expenses · lower is better	6.0%	0.0%	P10P90	Bottom quarter
Operating reserve Months of expenses covered by net assets · higher is better	69.0 mo	18.4 mo	P10P90	Top quarter
Liabilities to assets Total liabilities / total assets · lower is better	6.5%	15.3%	P10P90	Above median
Revenue concentration Share of revenue from the largest source · lower is better	68.9%	85.6%	P10P90	Top quarter
Revenue growth Year over year revenue growth	78.1%	12.3%	P10P90
Expense growth Year over year expense growth	-1.0%	9.2%	P10P90
Surplus margin Surplus as a share of revenue	36.3%	12.4%	P10P90

Financial History

Year	Revenue	Expenses	Net Assets	Program %	Staff
2026	$12.3M	$7.8M	$45.1M	75.5%	101
2025	$6.9M	$7.9M	$38.8M	76.3%	95
2024	$6.5M	$6.8M	$39.3M	74.7%	93
2023	$5.6M	$6.8M	$37.9M	78.8%	100
2022	$9.4M	$6.6M	N/A	—	87

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Organization Details

EIN: 23-7051889
State: MD
City: ST MICHAELS
ZIP: 21663-2103
Classification: A500
Category: Arts, Culture & Humanities
Rating: 3★
Coverage: A
Last Updated: Aug 2026
Form 990: On File

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CharityAI™ rates charities from 0 to 100 using public filings (IRS Form 990 and the equivalent registries outside the US) together with the information the charity itself provides on DonationX. Ratings are recalculated every quarter, without human bias, and shown as stars.

Four pillars

Financial strength30%

Program expense ratio, fundraising efficiency, operating reserves, liabilities and revenue diversification, compared with similar organizations.

Reliability20%

Standing with the registry, filing history, verification and how complete the profile is.

Effectiveness25%

How much goes to programs and how consistently the organization delivers them.

Impact25%

The outcomes the charity reports on DonationX: people served, cost per service and results.

Stars

★★★★★ 80–100 ★★★★☆ 60–79 ★★★☆☆ 40–59 ★★☆☆☆ 20–39 ★☆☆☆☆ 1–19

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