Human Services (P27Z) IRS Verified DX Registered 990 on File

YMCA

EIN: 52-0591700 · CUMBERLAND, MD 21502-2878 · United States · FY 2023 Data

3 out of 5 54 / 100 Based on 2+ years of filings

Financial strength (30%) 79/100

Reliability (20%) 55/100

Effectiveness (25%) 76/100

Impact (25%) No data yet

Financial data: FY 2023 · Scored 9/13/2026

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Financial Overview — FY 2023

$5.2M

Total Revenue

$3.8M

Total Expenses

$5.1M

Net Assets

182

Employees

Revenue Sources

Expense Breakdown

Program Expense Ratio 88.3%

Fundraising Efficiency 53.8%

Operating Reserve 16.31x

Liability-to-Asset 31.1%

Revenue Diversification 73.3%

Compared with Peers

FY 2023

Compared with 10,320 similar organizations (United States, Human Services, $1M–$10M in expenses), FY 2023.

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	88.3%	85.4%	P10P90	Above median
Admin expense ratio Management and general / total expenses · lower is better	10.8%	11.4%	P10P90	Above median
Fundraising expense ratio Fundraising expenses / total expenses · lower is better	0.8%	0.4%	P10P90	Below median
Fundraising efficiency Fundraising expenses / gross fundraising income · lower is better	53.8%	134.1%	P10P90	Above median
Operating reserve Months of expenses covered by net assets · higher is better	16.3 mo	8.5 mo	P10P90	Above median
Liabilities to assets Total liabilities / total assets · lower is better	31.1%	14.7%	P10P90	Below median
Revenue concentration Share of revenue from the largest source · lower is better	73.3%	93.3%	P10P90	Top quarter
Revenue growth Year over year revenue growth	34.4%	7.5%	P10P90
Expense growth Year over year expense growth	10.8%	10.7%	P10P90
Surplus margin Surplus as a share of revenue	27.7%	2.0%	P10P90

Financial History

Year	Revenue	Expenses	Net Assets	Program %	Staff
2023	$5.2M	$3.8M	$5.1M	88.3%	182
2022	$3.9M	$3.4M	$3.0M	88.8%	138
2021	$2.8M	$2.8M	N/A	—	164

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Organization Details

EIN: 52-0591700
State: MD
City: CUMBERLAND
ZIP: 21502-2878
Classification: P27Z
Category: Human Services
Rating: 3★
Coverage: A
Last Updated: Aug 2026
IRS Ruling Year
Foundation Code: 16
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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The coverage grade (A to D) says how much filing data the score rests on; NONE means there is not enough to rate.
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