Maryland · Nonprofit
YMCA OF CUMBERLAND MARYLAND INC
YMCA OF CUMBERLAND MARYLAND INC (Maryland) receives grants from 25 organizations whose IRS filings report $4,636,290 to it, the largest being MARYLAND FAMILY NETWORK INC ($3,019,916). 16 of them have funded it in more than one year.
- Revenue FY2026
- $3.3M
- Funders on record
- 25
- Grants received
- $4.6M
- Net assets
- $4.2M
What YMCA of Cumberland Maryland Inc does
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.
As stated on its FY2026 Form 990.
Programs
Youth Development - In the YMCA aquatics programs, children learn to be safe around water and they feel the sense of accomplishment that comes with learning something new. Our progressive swimming lessons are taught in a positive, caring environment where children can develop lifelong skills that can help them stay healthy. Other YMCA aquatics programs include water exercise and water sports, including a competitive swimming team for youth. We also offer special classes to help children and families learn how to be safer in and around water, including YMCA Splash. YSPLASH is an aquatics orientation and safety program providing instruction on swimming skills and basic water safety. The YMCA also offers low-cost, quality programs that support enrichment programs, child care, day camps and parent-child programs. Our programs focus on the YMCAs four core values - Caring, Honesty, Respect and Responsibility. We offer sports programs for youth that promote teamwork, interaction, and development of social and physical skills. YMCA programs include gymnastics, soccer, t-ball, skate park, climbing wall, sports clinics, basketball, adventure sports, martial arts and sports camps. The YMCA…
$1,495,211 spent$943,438 earned by the program50% of program spendingHealty Living - Helping people of all ages and abilities develop health in spirit, mind and body is the core of the YMCA movement. Our programs are designed to help people create realistic goals for self improvement and emphasize health through regular exercise, proper nutrition, and health education. We offer sports programs for families and adults that promote teamwork, interaction, and development of social and physical skills. YMCA exercise programs include strength training, group exercise, martial arts, yoga soccer, volleyball, basketball, mind/body fitness. With over 5,000 participants in various health enhancement and skill development classes, the list of results is endless. We also strive to impact the wellness of the community by offering health fairs and seminars where we provide various free health screenings, tests and evaluations.
$343,838 spent$673,226 earned by the program11% of program spendingSocial 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…
$1,179,477 spent$9,000 earned by the program39% of program spending
The 3 programs described on its FY2025 Form 990, listed largest first by expense. Program spending in total: $3,018,526.
The organization over time
Each line starts at 100 in 2017, so what you read is the shape rather than the size: 150 means half as much again as 2017, 50 means half. The number beside each label in the key is where it ended. The shaded band is where the middle 50% of its peers' revenue would sit, given their growth.
Balance sheet
Total assets and total liabilities at each year end, in dollars. The largest one-year move in total assets was 2021 to 2022, from $5.9M to $7.9M (+34%).
How it's funded, over time
Each bar is one year's revenue split into where it came from, and every bar is the same height — these are shares, not amounts, so a year that raised twice as much looks the same size. Hover a bar for the split.
Government-grant reliance: 2017 40% · 2018 43% · 2019 38% · 2020 53% · 2021 49% · 2022 46% · 2023 71% · 2024 49% · 2025 48% · 2026 42%. Grants only. Government contracts and fees sit inside program revenue.
44% of YMCA OF CUMBERLAND MARYLAND INC’s revenue is contributions — about as donation-reliant as the typical peer (81% for the typical peer).
Surplus & reserves
Operating surplus or deficit each year, and months of liquidity in hand. 7 of the last 10 reported years ran a deficit.
reserve
Leadership and staff
The officers, directors, trustees and key employees listed on each return. Joined and no longer listed compare each filing with the year before, matching people by surname and first initial; a year after a gap, or a roster under three people, has no comparison.
Chief executive
Julie O'Neal
CEO
As listed on its FY2026 Form 990.
The chief executive listed changed between the FY2018 and FY2019 filings.
Who funds it, year by year
2017 → 2023: the base broadened from 6 funders to 10 funders, grant income fell $441k → $424k.
3 of 25 of your funders are donor-advised or pass-through sponsors (tagged DAF) — 0% of grant dollars received. That money is really individual donors directing a sponsor; the institutions to cultivate are the non-DAF funders.
From the IRS filings of YMCA OF CUMBERLAND MARYLAND INC’s funders (the co-funder graph). Association, not causation. Trends are read to FY2023, the last fiscal year that has finished arriving. FY2024–FY2026 are still being filed and are shown unshaded; they do not move any figure on this page.
How concentrated its funding is
YMCA OF CUMBERLAND MARYLAND INC leans on a few funders — its largest provides 65% of grant income and the top three 83%; half comes from just 1 funder.
the vertical line marks half of all grant income — 1 funder to its left
80% of the income these shares are computed over arrives through pass-through sponsors or from payers whose filings do not say what kind of payment it is. Concentration is still measured over all of it, because the money is real; what it does not support is a claim about how many institutions have chosen to fund YMCA OF CUMBERLAND MARYLAND INC.
Largest funder’s share by year: 2017 63% · 2018 64% · 2019 60% · 2020 60% · 2021 60% · 2022 63% · 2023 68% — growing more concentrated.
“Effective funders” = inverse Herfindahl index (1 / Σ shareᵢ²) — the number of equal-sized funders that would give the same concentration. Trends are read to FY2023, the last fiscal year that has finished arriving. FY2024–FY2026 are still being filed and are shown unshaded; they do not move any figure on this page.
How long its funders stay
56% of YMCA OF CUMBERLAND MARYLAND INC's funders are still giving 3 years after their first grant; 64% give in more than one year at all.
Share of funders still giving k years after their first recorded grant, pooled across every acquisition cohort. A funder counts as retained in a year only if it made a grant that year. Measured to FY2023, the last fiscal year that has finished arriving — a funder cannot be counted as lapsed in a year most filers have not reached.
Where its funders are
93% of YMCA OF CUMBERLAND MARYLAND INC's grant income comes from Maryland funders.
In-state vs out-of-state, by year
Funder states come from each funder’s own filing. $18k arriving through sponsors registered in 3 states is excluded from the map and the split above: a sponsor holds money on a donor’s behalf, so its registered address would place those dollars somewhere no donor need ever have been. Trends are read to FY2023, the last fiscal year that has finished arriving. FY2024–FY2026 are still being filed and are shown unshaded; they do not move any figure on this page.
Against its field
YMCA OF CUMBERLAND MARYLAND INC's revenue grew 25% between 2017 and 2026.
this organization peer median middle 50% of peers· 54 human services nonprofits $1M–$10M, FY2026
Organizations like YMCA OF CUMBERLAND MARYLAND INC
Organizations whose mission and program text most resemble this one, by semantic similarity over every organization in the US filings — the closest peers, and often the clearest route to shared or prospective funders.
In Maryland
Nationally
Read directly from this organization’s own Form 990, as neutral context.
Where the money goes
87% of spending goes to programs.
Governance
Public support
96%
Share of support from the public (Schedule A) — the basis for its public-charity status.
Footprint & structure
Files a return copy in 1 state
Part of a family of 2 related entities
- Cumberland YMCA Housing Inc · corp_trust
- Gilchrist Community Center Inc · corp_trust
Screen this organization
A dated, signed PDF of the compliance screen for YMCA OF CUMBERLAND MARYLAND INC: IRS status (Business Master File, Publication 78, auto-revocation), the OFAC sanctions lists, the Internal Revenue Bulletin, and California registration, with the Rev. Proc. 2018-32 §8.01 reliance elements stated element by element. Generated from the current files at the moment you download it.
Screens are triage, not determinations; a source that cannot be read reports not screened, never clear. Screen this nonprofit · How the screen works · on the API as GET /api/screening/{ein}?format=pdf
Questions and answers
- Who funds YMCA OF CUMBERLAND MARYLAND INC?
- YMCA OF CUMBERLAND MARYLAND INC (Maryland) receives grants from 25 organizations whose IRS filings report $4,636,290 to it, the largest being MARYLAND FAMILY NETWORK INC ($3,019,916). 16 of them have funded it in more than one year.
- How many funders does YMCA OF CUMBERLAND MARYLAND INC have?
- IRS filings report 25 organizations giving $4,636,290 in grants to YMCA OF CUMBERLAND MARYLAND INC, 16 of which have funded it in more than one year.
- Who is the largest funder of YMCA OF CUMBERLAND MARYLAND INC?
- MARYLAND FAMILY NETWORK INC is the largest funder on record, with $3,019,916 in grants. The full list of funders is on this page.
- How can an organization like YMCA OF CUMBERLAND MARYLAND INC find more funders?
- Start with the funders already giving here, then look at the foundations that back similar organizations in Maryland. The funding by cause and by state pages list the largest funders for a given area and how to approach them.
Play a game about who funds YMCA of Cumberland Maryland →
These figures are read directly from IRS Form 990 / 990-PF e-file XML: this organization’s own return for FY2026 (financials across 2017–2026), and the filings of 25 funders that report grants to it. “On record” means captured in the filings we have parsed — a funder that does not e-file, or whose grant detail is not itemized, will not appear. Filings run roughly 12–24 months behind. Trends on this page end at FY2023, the last fiscal year that has finished arriving; later years are shown and marked, and move no figure. Data on this page was exported October 14, 2026. What this page cannot tell you · view filing