Mission: The Associated: Jewish Community Federation of Baltimore works to preserve and enhance Jewish life. It addresses charitable, educational, religious, humanitarian, he ... (More)
The Associated: Jewish Community Federation of Baltimore is a 501(c)(3) organization, with an IRS ruling year of 1951, and donations are tax-deductible.
Is this your nonprofit? Access your Star Rating Portal to submit data and edit your profile.
Contact Information
101 West Mount Royal Avenue
Baltimore MD 21201
Important note on the timeliness of ratings
The IRS is significantly delayed in processing nonprofits' annual tax filings (Forms 990). As a result, the Financial and Accountability & Transparency score for The Associated: Jewish Community Federation of Baltimore is outdated and the overall rating may not be representative of its current operations. Please check with the charity directly for any questions you may have.
You are viewing this organization's new Charity Navigator profile page. To view the legacy version, click here.
Star Rating System by Charity Navigator
Charity Navigator evaluates a nonprofit organization’s financial health including measures of stability, efficiency and sustainability. We also track accountability and transparency policies to ensure the good governance and integrity of the organization.
Exceptional
This charity's score is 96.24, earning it a 4-Star rating. Donors can "Give with Confidence" to this charity.
This score is calculated from two sub-scores:
Finance: 96.51 View details
Accountability & Transparency: 96.00 View details
This score represents Form 990 data from 2019, the latest year published by the IRS. The organization provided this information on a consolidated pro forma 990 which was verified against 990s received from the IRS. View all organizations in this consolidation.
Note: This rating represents consolidated financial data for these organizations:
Associated Jewish Charities of Baltimore, EIN: 52-6024192
The Associated: Jewish Community Federation of Baltimore, EIN: 52-0607957 (this organization)
Associated Jewish Charities of Baltimore, EIN: 52-6024192
View this organization’s historical ratings.
Star Rated Report
This beta feature is currently viewable only on desktop or tablet screens. Check back later for updates.
Program Expense Ratio
89.2%
The Program Expense Ratio is determined by Program Expenses divided by Total Expense (average of most recent three 990s).
This measure reflects the percent of its total expenses a charity spends on the programs and services it exists to deliver. Dividing a charity's average program expenses by its average total functional expenses yields this percentage. We calculate the charity's average expenses over its three most recent fiscal years.
Source: IRS Form 990
Administrative Expenses
3.8%
As reported by charities on their IRS Form 990, this measure reflects what percent of its total budget a charity spends on overhead, administrative staff and associated costs, and organizational meetings. Dividing a charity's average administrative expenses by its average total functional expenses yields this percentage. We calculate the charity's average expenses over its three most recent fiscal years.
Source: IRS Form 990
Fundraising Expenses
6.8%
This measure reflects what a charity spends to raise money. Fundraising expenses can include campaign printing, publicity, mailing, and staffing and costs incurred in soliciting donations, memberships, and grants. Dividing a charity's average fundraising expenses by its average total functional expenses yields this percentage. We calculate the charity's average expenses over its three most recent fiscal years.
Source: IRS Form 990
Liabilities to Assets Ratio
8.7%
The Liabilities to Assets Ratio is determined by Total Liabilities divided by Total Assets (most recent 990).
Part of our goal in rating the financial performance of charities is to help donors assess the financial capacity and sustainability of a charity. As do organizations in other sectors, charities must be mindful of their management of total liabilites in relation to their total assets. This ratio is an indicator of an organization’s solvency and or long term sustainability. Dividing a charity's total liabilities by its total assets yields this percentage.
Source: IRS Form 990
Fundraising Efficiency
$0.07
The amount spent to raise $1 in charitable contributions. To calculate a charity's fundraising efficiency, we divide its average fundraising expenses by the average total contributions it receives. We calculate the charity's average expenses and average contributions over its three most recent fiscal years.
Source: IRS Form 990
Working Capital Ratio
3.92 years
Determines how long a charity could sustain its level of spending using its net available assets, or working capital, as reported on its most recently filed Form 990. We include in a charity's working capital unrestricted and temporarily restricted net assets, and exclude permanently restricted net assets. Dividing these net available assets in the most recent year by a charity's average total expenses, yields the working capital ratio. We calculate the charity's average total expenses over its three most recent fiscal years.
Source: IRS Form 990
Program Expense Growth
4.51%
We compute the average annual growth of program expenses using the following formula: [(Yn/Y0)(1/n)]-1, where Y0 is a charity's program expenses in the first year of the interval analyzed, Yn is the charity's program expenses in the most recent year, and n is the interval of years passed between Y0 and Yn.
Source: IRS Form 990
Governance
Charity Navigator looks to confirm on the Form 990 that the organization has these governance practices in place.
Sources Include: IRS Form 990
| Governance: | |
|---|---|
| Independent Voting Board Members ... (More) | |
| No Material Diversion of Assets ... (More) A diversion of assets – any unauthorized conversion or use of the organization's assets other than for the organization's authorized purposes, including but not limited to embezzlement or theft – can seriously call into question a charity's financial integrity. We check the charity's last two Forms 990 to see if the charity has reported any diversion of assets. If the charity does report a diversion, then we check to see if it complied with the Form 990 instructions by describing what happened and its corrective action. This metric will be assigned to one of the following categories:
| |
| Audited Financials Prepared by Independent Accountant ... (More) Audited financial statements provide important information about financial accountability and accuracy. They should be prepared by an independent accountant with oversight from an audit committee. (It is not necessary that the audit committee be a separate committee. Often at smaller charities, it falls within the responsibilities of the finance committee or the executive committee.) The committee provides an important oversight layer between the management of the organization, which is responsible for the financial information reported, and the independent accountant, who reviews the financials and issues an opinion based on its findings. We check the charity's Form 990 reporting to see if it meets this criteria.
| |
| Does Not Provide Loan(s) to or Receive Loan(s) From Related Parties ... (More) | |
| Documents Board Meeting Minutes ... (More) | |
| Distributes 990 to Board Before Filing ... (More) | |
| Compensates Board ... (More) |
Policies
Charity Navigator looks to confirm on the Form 990, or for some metrics on the charity's website, that the organization has these policies in place.
Sources Include: IRS Form 990 and organization's website
| Policies: | |
|---|---|
| Conflict of Interest ... (More) | |
| Whistleblower ... (More) | |
| Records Retention and Destruction ... (More) | |
| CEO Compensation Process ... (More) | |
| Donor Privacy ... (More) Donors can be reluctant to contribute to a charity when their name, address, or other basic information may become part of donor lists that are exchanged or sold, resulting in an influx of charitable solicitations from other organizations. Our analysts check the charity's website to see if the organization has a donor privacy policy in place and what it does and does not cover. Privacy policies are assigned to one of the following categories:
The privacy policy must be specific to donor information. A general website policy which references "visitor" or "user" personal information will not suffice. A policy that refers to donor information collected on the website is also not sufficient as the policy must be comprehensive and applicable to both online and offline donors. The existence of a privacy policy of any type does not prohibit the charity itself from contacting the donor for informational, educational, or solicitation purposes. (Less) |
Transparency
Charity Navigator looks to confirm on the Form 990, or for some metrics on the charity's website, that the organization makes this information easily accessible.
Sources Include: IRS Form 990 and organization's website
| Transparency: | |
|---|---|
| CEO Salary Listed on 990 ... (More) | |
| Board of Directors Listed on Website ... (More) | |
| Key Staff Listed on Website ... (More) | |
| Audited Financial Statements on Website ... (More) | |
| Form 990 Available on Website ... (More) |
Additional Information
Unscored
This beta feature is currently viewable only on desktop or tablet screens. Check back later for updates.
Total Revenue and Expenses
This chart displays the trend of revenue and expenses over the past several years for this organization, as reported on their IRS Form 990.
Salary of Key Persons
Presented here are this organizations key compensated staff members as identified by our analysts. This compensation data includes salary, cash bonuses and expense accounts and is displayed exactly how it is reported to the IRS. The amounts do not include nontaxable benefits, deferred compensation, or other amounts not reported on Form W-2. In some cases, these amounts may include compensation from related organizations. Read the IRS policies for compensation reporting
Marc B. Terrill, President
$655,652 (0.74% of Total Expenses)
Current CEO and Board Chair can be found in the Leadership & Adaptability report below.
Source: IRS Form 990 (page 7), filing year 2020
Business Master File Data
Below are some key data points from the Exempt Organization IRS Business Master File (BMF) for this organization. Learn more about the BMF on the IRS website
Activities:
Community Chest, United Way, etc. (BMF activity code: 600)
Gifts, grants, or loans to other organizations (BMF activity code: 602)
Foundation Status:
Organization which receives a substantial part of its support from a governmental unit or the general public 170(b)(1)(A)(vi) (BMF foundation code: 15)
Affiliation:
Central - the organization is a central type organization (no group exemption) of a National, Regional or Geographic grouping of organizations. (BMF affiliation code: 1)
Data Sources: IRS Forms 990
The Form 990 is a document that nonprofit organizations file with the IRS annually. We leverage finance and accountability data from it to form Encompass ratings. Click here to view this organization's Forms 990 on the IRS website (if any are available).
Pandemic Response
Due to the unprecedented nature of the pandemic, we give charities such as this one the opportunity to share the story of COVID's impact on them. Charities may submit their own pandemic responses through their nonprofit portal.
The Associated: Jewish Community Federation of Baltimore reported being impacted by COVID-19 in the following ways:
Program Delivery
Fundraising Capacity
Revenue
How COVID-19 impacted the organization's operations financially:
With a 100 year history, The Associated has a solid and long-standing donor base that understands the role that it plays in the community especially in difficult times such as the the pandemic. Fund raising efforts remained relatively flat, despite the uncertain economy and our financial investments performed well leading us to a stable financial picture. Donors also increased their giving to fund covid relief efforts and The Associated was able to fund the increase in services requested by constituents. Some of The Associated's agencies had significant negative financial positions due to their reliance on program fees and we worked with them to make difficult decisions and adjust their work. We collaborated with all of our agency partners to apply and receive various forms of government subsidies such as the PPP loan and thus were able to retain professional staff. We ultimately qualified for PPP loan forgiveness which ensures that our financial picture remains solid.
How COVID-19 impacted the organization's delivery of programs:
When the pandemic began, The Associated had to respond immediately to the economic impact felt by its community members. Our agencies and partners were on the front line of addressing various emergency issues: food insecurity, financial assistance, isolation, mental health services, domestic violence and it put a strain on our entire Associated network. Donors wanted to support us and requested specifics on how our funds were being used and we adjusted our metrics to measure our accomplishments during this crisis.
How this organization adapted to changing conditions caused by COVID-19:
The Associated relies on its ability to foster relationships and connections among constituents. When remote working began, our work was radically different and we had to pivot to virtual interactions. All fund raising programs, board and committee meetings and services were offered virtually and it was a dramatic shift in our business model. We continue to find new ways to connect with people virtually and build the relationships that are so critical to our work.
Innovations the organization intends to continue permanently after the pandemic:
Remote working was new to The Associated system at the onset of the pandemic and now 18 months later, we have learned the value of remote meetings and services as appropriate. While some programs will be offered in-person in the future, there are new factors to be used in when and how to deploy technology and utilization of office space for continued efficiencies.
Historical Ratings
| Date Published | Form 990 FYE | Overall Score | Overall Rating |
| Rating Version: 2.1 | |||
| 2/1/2021 | 2019 | 96.24 | |
| 11/1/2019 | 2018 | 97.03 | |
| 12/1/2018 | 2017 | 97.17 | |
| 4/1/2018 | 2016 | 93.05 | |
| 4/1/2018 | 2015 | 93.75 | |
| 6/1/2016 | 2014 | 95.06 | |
| Rating Version: 2.0 | |||
| 12/1/2015 | 2014 | 95.81 | |
| 5/1/2015 | 2013 | 93.53 | |
| 10/1/2014 | 2013 | 91.61 | |
This organization received multiple star ratings within this fiscal year, due to an update to its Accountability and Transparency data and/or the receipt of an amended Form 990. | |||
| 12/20/2013 | 2012 | 94.99 | |
| 10/1/2012 | 2011 | 89.91 |  |
| 12/23/2011 | 2010 | 87.34 | |
| 12/1/2011 | 2009 | 93.52 | |
| 9/20/2011 | 2009 | 84.12 | |
| Rating Version: 1.0 | |||
| 11/24/2010 | 2009 | 91.48 | |
| 12/15/2009 | 2008 | 83.88 | |
| 6/1/2009 | 2007 | 84.83 | |
| 2/1/2008 | 2006 | 88.09 | |
Previous: Finance & Accountability / Next: Leadership & Adaptability
Impact & Results
This score estimates the actual impact a nonprofit has on the lives of those it serves, and determines whether it is making good use of donor resources to achieve that impact.
Impact & Results Score
Not Currently Scored
The Associated: Jewish Community Federation of Baltimore cannot currently be evaluated by our Encompass Rating Impact & Results methodology because either (A) it is eligible, but we have not yet received data; (B) we have not yet developed an algorithm to estimate its programmatic impact; (C) its programs are not direct services; or (D) it is not heavily reliant on contributions from individual donors.
Note: The absence of a score does not indicate a positive or negative assessment, it only indicates that we have not yet evaluated the organization.
Do you work at The Associated: Jewish Community Federation of Baltimore? Join the waitlist for an updated Impact & Results score.
Additional Information
Unscored
This beta feature is currently viewable only on desktop or tablet screens. Check back later for updates.
Largest Programs
The Associated: Jewish Community Federation of Baltimore reported its three largest programs on its FY 2019 Form 990 as:
$32,700,707
Spent in most recent FY
41%
Percent of program expenses
The Associated Allocations
$28,976,727
Spent in most recent FY
36%
Percent of program expenses
Jewish Community Investment Fund (JCIF)
$3,344,985
Spent in most recent FY
4%
Percent of program expenses
Real Estate
Previous: Impact & Results / Next: Culture & Community
Leadership & Adaptability
This score provides an assessment of the organization's leadership capacity, strategic thinking and planning, and ability to innovate or respond to changes in constituent demand/need or other relevant social and economic conditions to achieve the organization's mission.
Leadership & Adaptability Score
100
out of 100
The score earned by The Associated: Jewish Community Federation of Baltimore is a passing score. This score has no effect on the organization's Star Rating.
Encompass Rating V4 provides an evaluation of the organization's Leadership & Adaptability through the nonprofit organization submitting a survey response directly to Charity Navigator.
Leadership & Adaptability Report
100
of 100 points
Mission
The nonprofit organization presents evidence of strategic thinking through articulating the organization’s mission
The Associated strengthens and nurtures Jewish life by engaging and supporting community partners in Greater Baltimore, Israel and around the world.
Source: Nonprofit submitted responses
Vision
The nonprofit organization presents evidence of strategic thinking through articulating the organization’s vision.
The Associated will secure the resources necessary to address the evolving landscape of Jewish life, ensuring a vibrant community for future generations. We accomplish our mission and vision by transforming our values into action.
Source: Nonprofit submitted responses
Strategic Goals
The nonprofit organization presents evidence of strategic thinking and goal setting through sharing their most important strategic goals.
Goal One: Diversifying Revenue and Improving Net Results
Goal Type: Invest in the capacity of our organization (financial, management, technical, etc.).
Goal Two: Increasing Donor Base
Goal Type: Grow, expand, scale or increase access to the existing programs and services.
Goal Three: Improving Customer Experience
Goal Type: New program(s) based on observed changes in needs among our constituencies/communities served.
Source: Nonprofit submitted responses
Leadership Development
The nonprofit provides evidence of investment in leadership development
Describe an investment in leadership
The Associated funds a leadership development program, entitled Na'Aleh: the Hub for leadership learning. This program offers a variety of trainings and sessions for volunteer and professional leadership to discuss the issues most pressing on our community. Programs are offered for a range of leadership levels and vary from hard skills to soft skills, both critical to our mission. In addition, every department of our organization has a professional development budget to ensure that our staff have access to new and innovative trends in their fields of expertise.
Source: Nonprofit submitted responses
Mobilizing for Mission
The nonprofit provides evidence of leadership through focusing externally and mobilizing resources for the mission.
This organization mobilizes for mission in the following ways:
Strategic Partnerships
Networks of Collective Impact Efforts
Thought Leadership
Raising Awareness
Community Building
Policy Advocacy
What are this organization’s external mobilizaton efforts?
The Associated is a community building organization and relies on its partnerships with countless organizations and leaders to achieve its mission. With a cadre of nearly 1,000 volunteers serving on one of our boards or committees, we deploy our human resources to learn from others and to share our experiences. Volunteers are at the center of our fund raising efforts and our model relies on solicitors to work with donors on an individual level, a critical component to our success in raising money each year. All leaders are trained to be an ambassador of our mission to ensure that the community we serve understands how our mission is being achieved. We deploy substantial communications efforts in multiple media channels to ensure our message is learned in various demographics. Additionally, we fund efforts to lobby at all levels of the public sector to advance the causes that are important to our community.
Source: Nonprofit submitted responses
Story of Adaptability
The nonprofit has an opportunity to tell the story of how the organization adapted to tremendous external changes in the last year.
In its 100 year history, The Associated has battled many challenges for its community and the Covid pandemic was no certainly one of the most impactful. When we should have been celebrating our 100th anniversary, we were pivoting on our plans to ensure that the community that relies on us has the resources needed to provide immediate client services. The Associated funds multiple social service programs that were at the front line of the pandemic from financial assistance, food insecurity, job placement, mental health services and domestic violence, the funds raised by The Associated were deployed to meet the most pressing needs of the day. Immediately into the pandemic, we launched a fund raising campaign to address the increased needs and our donors contributed generously. We restructured our technology and staffing to accommodate remote working, a new concept for our organization and staff. We altered our governance structure to ensure we have timely decision making in the event of an emergency. And we launched a Blueprint for the Future, a plan to evaluate and downsize our office space and a plan to direct our funding of engagement work in a new and more streamlined, collaborative model. The pandemic is not over and it has already impacted us greatly with more to come as we settle into our next century. As a community building organization, our constituents rely on us and demand efficiency and effectiveness. With continued foresight and planning, we will evolve through this time with new practices and insight for the needs of the future.
Source: Nonprofit submitted responses
Additional Information
Unscored
This beta feature is currently viewable only on desktop or tablet screens. Check back later for updates.
Organization Leadership
Marc B. Terrill
President
Beth H. Goldsmith
Chair of the Board
Previous: Leadership & Adaptability
Culture & Community
This score provides an assessment of the organization's culture and connectedness to the community it serves. Learn more about how and why we rate Culture & Community.
Culture & Community Score
Not Currently Scored
The Associated: Jewish Community Federation of Baltimore is currently not eligible for a Culture & Community score because we have not received its Constituent Feedback or Diversity, Equity, & Inclusion data. Nonprofit organizations are encouraged to fill out the How We Listen and Equity Practices sections of their Candid profile.
Note: The absence of a score does not indicate a positive or negative assessment, it only indicates that we have not yet evaluated the organization.
Culture & Community Report
Unscored
This beta feature is currently viewable only on desktop or tablet screens. Check back later for updates.
Diversity, Equity, & Inclusion
This organization has not provided information regarding the diversity, equity and inclusion (DEI) practices it is presently implementing. As such, the organization has not earned a score on this metric. Charity Navigator believes nonprofit organizations implementing effective DEI policies and practices can enhance a nonprofit's decision-making, staff motivation, innovation, and effectiveness.
Methodology
We are utilizing data collected by Candid to document and assess the DEI practices implemented by the organization. Nonprofit organizations are encouraged to fill out the Equity Strategies section of their Candid profiles to receive a rating.
Learn more about the methodology.
Constituent Feedback
Constituent Feedback and Listening Practice data are not available for this organization. Charity Navigator believes nonprofit organizations that engage in inclusive practices, such as collecting feedback from the people and communities they serve, may be more effective.
Methodology
We've partnered with Candid to survey organizations about their feedback practices. Nonprofit organizations can fill out the How We Listen section of their Candid profile to receive a rating.
Learn more about the methodology.
Analysis and Research
Like the overall Encompass Rating System, the Culture & Community Beacon is designed to evolve as metrics are developed and ready for integration. Below you can find more information about the metrics we currently evaluate in this beacon and their relevance to nonprofit performance.
Constituent Feedback
Diversity, Equity, and Inclusion
