Community Improvement
(S310)
990 on File
BALTIMORE COMMUNITY LENDING INC
Financial strength (30%)
89/100
Reliability (20%)
55/100
Effectiveness (25%)
85/100
Impact (25%)
No data yet
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CharityAI™ Score
Not yet evaluated
Financial Overview — FY 2025
$8.8M
Total Revenue
$10.0M
Total Expenses
$17.0M
Net Assets
21
Employees
Revenue Sources
Expense Breakdown
Program Expense Ratio
82.3%
Fundraising Efficiency
N/A
Operating Reserve
20.31x
Liability-to-Asset
61.8%
Revenue Diversification
70.8%
Executive Compensation
$205K
Compared with Peers
FY 2025
Compared with 112 similar organizations
(United States, Community Improvement, $10M–$100M in expenses), FY 2025.
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
|
82.3% | 91.1% |
P10P90
|
Bottom quarter |
|
Admin expense ratio
Management and general / total expenses
· lower is better
|
15.3% | 8.0% |
P10P90
|
Bottom quarter |
|
Fundraising expense ratio
Fundraising expenses / total expenses
· lower is better
|
2.4% | 0.0% |
P10P90
|
Bottom quarter |
|
Operating reserve
Months of expenses covered by net assets
· higher is better
|
20.3 mo | 6.3 mo |
P10P90
|
Top quarter |
|
Liabilities to assets
Total liabilities / total assets
· lower is better
|
61.8% | 32.6% |
P10P90
|
Bottom quarter |
|
Revenue concentration
Share of revenue from the largest source
· lower is better
|
70.8% | 92.9% |
P10P90
|
Top quarter |
|
Surplus margin
Surplus as a share of revenue
|
-13.9% | 1.6% |
P10P90
|
Financial History
| Year | Revenue | Expenses | Net Assets | Program % | Staff |
|---|---|---|---|---|---|
| 2025 | $8.8M | $10.0M | $17.0M | 82.3% | 21 |
| 2023 | $4.9M | $4.0M | $17.2M | 80.1% | 19 |
| 2022 | $5.0M | $2.6M | N/A | — | 12 |
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