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      <OtherRevenueMisc>
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      <CompCurrentOfficersDirectors>
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        <ProgramServices>120035</ProgramServices>
        <ManagementAndGeneral>26673</ManagementAndGeneral>
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      <OtherSalariesAndWages>
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        <ProgramServices>1376537</ProgramServices>
        <ManagementAndGeneral>305877</ManagementAndGeneral>
        <Fundraising>0</Fundraising>
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      <PensionPlanContributions>
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        <ProgramServices>38498</ProgramServices>
        <ManagementAndGeneral>16537</ManagementAndGeneral>
        <Fundraising>0</Fundraising>
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      <OtherEmployeeBenefits>
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        <ProgramServices>94138</ProgramServices>
        <ManagementAndGeneral>12416</ManagementAndGeneral>
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      <PayrollTaxes>
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        <ProgramServices>129375</ProgramServices>
        <ManagementAndGeneral>28258</ManagementAndGeneral>
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      <FeesForServicesAccounting>
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        <ProgramServices>34069</ProgramServices>
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        <ProgramServices>78636</ProgramServices>
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      <Advertising>
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        <ProgramServices>21244</ProgramServices>
        <ManagementAndGeneral>0</ManagementAndGeneral>
        <Fundraising>16509</Fundraising>
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        <ProgramServices>225543</ProgramServices>
        <ManagementAndGeneral>58107</ManagementAndGeneral>
        <Fundraising>0</Fundraising>
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      <Occupancy>
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        <ProgramServices>431348</ProgramServices>
        <ManagementAndGeneral>4374</ManagementAndGeneral>
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      <Travel>
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        <ProgramServices>63500</ProgramServices>
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      <ConferencesMeetings>
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        <ManagementAndGeneral>6469</ManagementAndGeneral>
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      <Interest>
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        <ProgramServices>159285</ProgramServices>
        <ManagementAndGeneral>4673</ManagementAndGeneral>
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      <PaymentsToAffiliates>
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        <ProgramServices>0</ProgramServices>
        <ManagementAndGeneral>36000</ManagementAndGeneral>
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      <DepreciationDepletion>
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        <ProgramServices>253407</ProgramServices>
        <ManagementAndGeneral>7433</ManagementAndGeneral>
        <Fundraising>0</Fundraising>
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      <Insurance>
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        <ProgramServices>15027</ProgramServices>
        <ManagementAndGeneral>41058</ManagementAndGeneral>
        <Fundraising>0</Fundraising>
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      <OtherExpenses>
        <Description>EQUIPMENT &amp; MAINTENANCE</Description>
        <Total>55341</Total>
        <ProgramServices>50615</ProgramServices>
        <ManagementAndGeneral>4726</ManagementAndGeneral>
        <Fundraising>0</Fundraising>
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      <TotalFunctionalExpenses>
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        <ProgramServices>3124628</ProgramServices>
        <ManagementAndGeneral>580053</ManagementAndGeneral>
        <Fundraising>16509</Fundraising>
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      <CashNonInterestBearing>
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        <EOY>109730</EOY>
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      <SavingsAndTempCashInvestments>
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        <EOY>46345</EOY>
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      <PledgesAndGrantsReceivable>
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        <EOY>9158</EOY>
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      <AccountsReceivable>
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        <EOY>173114</EOY>
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      <LandBuildingsEquipmentBasis>8403084</LandBuildingsEquipmentBasis>
      <LandBldgEquipmentAccumDeprec>3093337</LandBldgEquipmentAccumDeprec>
      <LandBuildingsEquipmentBasisNet>
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        <EOY>5309747</EOY>
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      <InvestmentsPubTradedSecurities>
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        <EOY>188</EOY>
      </InvestmentsPubTradedSecurities>
      <OtherAssetsTotal>
        <BOY>1040479</BOY>
        <EOY>1037297</EOY>
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      <TotalAssets>
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        <EOY>6685579</EOY>
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      <AccountsPayableAccruedExpenses>
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        <EOY>679037</EOY>
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      <DeferredRevenue>
        <BOY>13685</BOY>
        <EOY>20177</EOY>
      </DeferredRevenue>
      <MortNotesPyblSecuredInvestProp>
        <BOY>3152071</BOY>
        <EOY>3101343</EOY>
      </MortNotesPyblSecuredInvestProp>
      <TotalLiabilities>
        <BOY>3711175</BOY>
        <EOY>3800557</EOY>
      </TotalLiabilities>
      <FollowSFAS117>X</FollowSFAS117>
      <UnrestrictedNetAssets>
        <BOY>3125451</BOY>
        <EOY>2868823</EOY>
      </UnrestrictedNetAssets>
      <TemporarilyRestrictedNetAssets>
        <BOY>40547</BOY>
        <EOY>16199</EOY>
      </TemporarilyRestrictedNetAssets>
      <TotalNetAssetsFundBalances>
        <BOY>3165998</BOY>
        <EOY>2885022</EOY>
      </TotalNetAssetsFundBalances>
      <TotalLiabNetAssetsFundBalances>
        <BOY>6877173</BOY>
        <EOY>6685579</EOY>
      </TotalLiabNetAssetsFundBalances>
      <MethodOfAccountingAccrual>X</MethodOfAccountingAccrual>
      <AccountantCompileOrReview>false</AccountantCompileOrReview>
      <FSAudited>true</FSAudited>
      <AuditCommittee>true</AuditCommittee>
      <FinancialStatementSeparate>X</FinancialStatementSeparate>
      <FederalGrantAuditRequired>true</FederalGrantAuditRequired>
      <FederalGrantAuditPerformed>true</FederalGrantAuditPerformed>
    </IRS990>
    <IRS990ScheduleA documentId="00000002" softwareId="09000048">
      <PubliclySupportedOrg170b1Avi>X</PubliclySupportedOrg170b1Avi>
      <GiftsGrantsContribReceived170>
        <CurrentTaxYearMinus4Years>2184208</CurrentTaxYearMinus4Years>
        <CurrentTaxYearMinus3Years>1991444</CurrentTaxYearMinus3Years>
        <CurrentTaxYearMinus2Years>2000254</CurrentTaxYearMinus2Years>
        <CurrentTaxYearMinus1Year>2057093</CurrentTaxYearMinus1Year>
        <CurrentTaxYear>2007508</CurrentTaxYear>
        <Total>10240507</Total>
      </GiftsGrantsContribReceived170>
      <Total170>
        <CurrentTaxYearMinus4Years>2184208</CurrentTaxYearMinus4Years>
        <CurrentTaxYearMinus3Years>1991444</CurrentTaxYearMinus3Years>
        <CurrentTaxYearMinus2Years>2000254</CurrentTaxYearMinus2Years>
        <CurrentTaxYearMinus1Year>2057093</CurrentTaxYearMinus1Year>
        <CurrentTaxYear>2007508</CurrentTaxYear>
        <Total>10240507</Total>
      </Total170>
      <PublicSupportTotal170>10240507</PublicSupportTotal170>
      <GrossInvestmentIncome170>
        <CurrentTaxYearMinus4Years>4459</CurrentTaxYearMinus4Years>
        <CurrentTaxYearMinus3Years>2652</CurrentTaxYearMinus3Years>
        <CurrentTaxYearMinus2Years>7589</CurrentTaxYearMinus2Years>
        <CurrentTaxYearMinus1Year>91475</CurrentTaxYearMinus1Year>
        <CurrentTaxYear>85570</CurrentTaxYear>
        <Total>191745</Total>
      </GrossInvestmentIncome170>
      <TotalSupport>10432252</TotalSupport>
      <PublicSupportPertcentage170>0.98160</PublicSupportPertcentage170>
      <PublicSupportPertcentPriorYear>0.99850</PublicSupportPertcentPriorYear>
      <ThirtyThreePercntTestsCY170>X</ThirtyThreePercntTestsCY170>
      <PublicSupportTotal509>0</PublicSupportTotal509>
      <PublicSupportPercentage509>0</PublicSupportPercentage509>
      <InvestmentIncomePercentage>0</InvestmentIncomePercentage>
    </IRS990ScheduleA>
    <IRS990ScheduleB documentId="00000003">
      <ContributorInfo>
        <ContributorNumber>RESTRICTED</ContributorNumber>
        <ContributorNameBusiness>
          <BusinessNameLine1>RESTRICTED</BusinessNameLine1>
        </ContributorNameBusiness>
        <ContributorAddressUS>
          <AddressLine1>RESTRICTED</AddressLine1>
          <AddressLine2>RESTRICTED</AddressLine2>
          <City>RESTRICTED</City>
          <State>RESTRICTED</State>
          <ZIPCode>RESTRICTED</ZIPCode>
        </ContributorAddressUS>
        <AggregateContributions>RESTRICTED</AggregateContributions>
      </ContributorInfo>
    </IRS990ScheduleB>
    <IRS990ScheduleD documentId="00000004" softwareId="09000048">
      <Land>
        <InvestmentCostOrOtherBasis>203280</InvestmentCostOrOtherBasis>
        <BookValue>203280</BookValue>
      </Land>
      <Buildings>
        <InvestmentCostOrOtherBasis>7186690</InvestmentCostOrOtherBasis>
        <Depreciation>2258001</Depreciation>
        <BookValue>4928689</BookValue>
      </Buildings>
      <LeaseholdImprovements>
        <InvestmentCostOrOtherBasis>12755</InvestmentCostOrOtherBasis>
        <Depreciation>8642</Depreciation>
        <BookValue>4113</BookValue>
      </LeaseholdImprovements>
      <Equipment>
        <InvestmentCostOrOtherBasis>1000359</InvestmentCostOrOtherBasis>
        <Depreciation>826694</Depreciation>
        <BookValue>173665</BookValue>
      </Equipment>
      <TotalOfBookValueLandBuildings>5309747</TotalOfBookValueLandBuildings>
      <OtherAssets>
        <Description>CUMBERLAND YMCA HOUSING, INC.</Description>
        <BookValue>1017181</BookValue>
      </OtherAssets>
      <OtherAssets>
        <Description>(general partner of a low-income</Description>
      </OtherAssets>
      <OtherAssets>
        <Description>housing development)</Description>
      </OtherAssets>
      <OtherAssets>
        <Description>Other Assets</Description>
        <BookValue>20116</BookValue>
      </OtherAssets>
      <TotalBookValueOtherAssets>1037297</TotalBookValueOtherAssets>
      <TotalRevenue>3440214</TotalRevenue>
      <TotalExpenses>3721190</TotalExpenses>
      <ExcessOrDeficitForYear>-280976</ExcessOrDeficitForYear>
      <ExcessOrDeficitPerFS>-280976</ExcessOrDeficitPerFS>
      <TotRevenueEtcAuditedFinclStmt>3440214</TotRevenueEtcAuditedFinclStmt>
      <RevenueSubtotal>3440214</RevenueSubtotal>
      <TotalRevenuePerForm990>3440214</TotalRevenuePerForm990>
      <TotExpensesEtcAuditedFinclStmt>3721190</TotExpensesEtcAuditedFinclStmt>
      <ExpensesSubtotal>3721190</ExpensesSubtotal>
      <TotalExpensesPerForm990>3721190</TotalExpensesPerForm990>
    </IRS990ScheduleD>
    <IRS990ScheduleO documentId="00000005" softwareId="09000048">
      <GeneralExplanation>
        <Identifier>Pt VI-A, Line 6</Identifier>
        <Explanation>YMCA members pay membership fees for use of the facilities</Explanation>
      </GeneralExplanation>
      <GeneralExplanation>
        <Identifier>Pt VI-A, Line 7a</Identifier>
        <Explanation>Members may participate in electing the directors of the YMCA</Explanation>
      </GeneralExplanation>
      <GeneralExplanation>
        <Identifier>Pt VI-B, Line 11A</Identifier>
        <Explanation>CFO will review Form 990 with the governing body after filed.</Explanation>
      </GeneralExplanation>
      <GeneralExplanation>
        <Identifier>Pt VI-B, Line 12c</Identifier>
        <Explanation>Potential coflicts of interest are reviewed annually or when present.</Explanation>
      </GeneralExplanation>
      <GeneralExplanation>
        <Identifier>Pt VI-B, Line 15</Identifier>
        <Explanation>CEO, CFO &amp; top management compensation is reviewed annually.</Explanation>
      </GeneralExplanation>
      <GeneralExplanation>
        <Identifier>Pt VI-C, Line 19</Identifier>
        <Explanation>Upon request</Explanation>
      </GeneralExplanation>
    </IRS990ScheduleO>
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      <Form990ScheduleRPartII>
        <NameOfDisregardedEntity>
          <BusinessNameLine1>CUMBERLAND YMCA HOUSING INC</BusinessNameLine1>
        </NameOfDisregardedEntity>
        <AddressUS>
          <AddressLine1>601 KELLY ROAD</AddressLine1>
          <City>CUMBERLAND</City>
          <State>MD</State>
          <ZIPCode>21502</ZIPCode>
        </AddressUS>
        <EIN>521948356</EIN>
        <PrimaryActivities>LOW INCOME HOUSING</PrimaryActivities>
        <LegalDomicileState>MD</LegalDomicileState>
      </Form990ScheduleRPartII>
      <ReceiptOfIntAnnRentsRoyalties>false</ReceiptOfIntAnnRentsRoyalties>
      <GiftGrantOrCapContrToOtherOrg>false</GiftGrantOrCapContrToOtherOrg>
      <GiftGrantOrCapContrFrOtherOrg>false</GiftGrantOrCapContrFrOtherOrg>
      <LoansOrGuaranteesToOtherOrg>false</LoansOrGuaranteesToOtherOrg>
      <LoansOrGuaranteesFromOtherOrg>false</LoansOrGuaranteesFromOtherOrg>
      <SaleOfAssetsToOtherOrg>false</SaleOfAssetsToOtherOrg>
      <PurchaseOfAssetsFromOtherOrg>false</PurchaseOfAssetsFromOtherOrg>
      <ExchangeOfAssets>false</ExchangeOfAssets>
      <RentalOfFacilitiesToOtherOrgs>false</RentalOfFacilitiesToOtherOrgs>
      <RentalOfFacilitiesFrOtherOrgs>false</RentalOfFacilitiesFrOtherOrgs>
      <PerformOfServicesForOtherOrgs>false</PerformOfServicesForOtherOrgs>
      <PerformOfServicesByOtherOrgs>false</PerformOfServicesByOtherOrgs>
      <SharingOfFacilities>false</SharingOfFacilities>
      <SharingOfPaidEmployees>false</SharingOfPaidEmployees>
      <ReimbursementPaidToOtherOrg>false</ReimbursementPaidToOtherOrg>
      <ReimbursementPaidByOtherOrg>false</ReimbursementPaidByOtherOrg>
      <OtherTransferToOtherOrg>false</OtherTransferToOtherOrg>
      <OtherTransferFromOtherOrg>false</OtherTransferFromOtherOrg>
    </IRS990ScheduleR>
  </ReturnData>
</Return>