MOUNTAINS TO SHORE BOARD OF REALTORS (EIN 010360504) - Form 990 Financial Analysis & Trantor Score

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Financial Vulnerability Assessment (Tuckman-Chang)

4 risk indicators measuring financial stability and operational resilience

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Financial Trends

Organization Details

Formation Year

1978

Legal Domicile

Principal Officer

NANCY LAWSON

Phone

2072308527

Tax Period

2023-01-01 to 2023-12-31

MOUNTAINS TO SHORE BOARD OF REALTORS, founded in 1978, is a small nonprofit that reported $299K in total revenue in fiscal year 2023. Revenue grew 15% year-over-year, indicating healthy expansion. The organization ran a surplus of $83K, a strong 28% operating margin.

Mission

TO WORK WITH MEMBERS AND OTHER LOCAL BOARDS THROUGH THE MAINE ASSOCIATION OF REALTORS FOR THE PURPOSE OF EXERTING COMBINED INFLUENCE UPON MATTERS AFFECTING REAL ESTATE BUSINESS THROUGHOUT MAINE AND THE PROFESSIONAL CONDUCT OF PERSONS ENGAGED THEREIN.

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Trantor Score

Financial Health Score (300–850) · Liquidity · Solvency · Sustainability · Efficiency

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Liquidity (40%) • Solvency (30%) • Sustainability (20%) • Efficiency (10%)

Financial Overview (2023)

Revenue Breakdown

Contributions & Grants $226,081

Program Service Revenue $56,942

Investment Income $0

Other Revenue $15,755

TOTAL REVENUE $298,778

Expense Breakdown

Grants Paid $0

Salaries & Benefits $63,795

Fundraising Expenses $0

Program Expenses $151,651

Other Expenses $151,651

TOTAL EXPENSES $215,446

Year-over-Year Comparison

	2023	2022	Change
Revenue	$298,778	$260,139	+0.1%
Expenses	$215,446	$230,305	-0.1%
Net Income	$83,332	$29,834	+1.8%

Key Indicators

✗ Grants to Organizations ✗ Grants to Individuals ✗ Lobbying ✗ Political Activity ✗ Foreign Activities ✗ Donor Advised Fund ✗ Schedule B Required

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Financial Health Indicators

Comprehensive financial analysis: Altman Z-Score, liquidity, solvency, sustainability, efficiency, and growth metrics

Financial Distress Indicator

Liquidity & Cash Position

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Altman Z-Score • Liquidity Ratios • Solvency Analysis • Growth Indicators • Efficiency Metrics

Governance

Voting Members

Independent Members

Employees

Volunteers

Governance Policies

✗ Conflict of Interest Policy

✓ Whistleblower Policy

✗ Document Retention Policy

Special Practices & Reported Activities

✗ Operated a School

✗ Operated a Hospital

✗ Provided First Class Travel

✗ Reported Conflict of Interest

✗ Reported Asset Diversion

✗ Excess Benefit Transaction

✗ Made Political Expenditures

✗ Engaged in Lobbying

✗ Operated Donor Advised Fund

✗ Maintained Art Collections

✗ Filed Form 720

Compensation of Officers, Directors & Key Employees

Total Officers

$58,000

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
ZACH BLAIR	PRESIDENT	0.25	Officer Director	$0	$0	$0
PRESSLEY LAWRENCE	PRESIDENT ELECT	0.25	Officer Director	$0	$0	$0
LOIS O'CONNOR	TREASURER/SECRETARY	0.25	Officer Director	$0	$0	$0
JUDY OBERG	IMMEDIATE PAST PRESIDENT	0.25	Director	$0	$0	$0
STEVE BRACKETT	DIRECTOR THRU FEB. 23'	0.25	Director	$0	$0	$0
MICHELLE CYR	DIRECTOR THRU JUNE 23'	0.25	Director	$0	$0	$0
MARSHA DECOSTA	DIRECTOR	0.25	Director	$0	$0	$0
JESSICA DELISLE	DIRECTOR	0.25	Director	$0	$0	$0
GARRET GETCH	DIRECTOR	0.25	Director	$0	$0	$0
KIM HANSCOM	DIRECTOR	0.25	Director	$0	$0	$0
JOCELYN O'ROURKE-SHANE	DIRECTOR	0.25	Director	$0	$0	$0
JESSICA POOLEY	DIRECTOR	0.25	Director	$0	$0	$0
NANCY LAWSON	ASSOCIATION EXECUTIVE	40.00	Officer	$58,000	$0	$58,000

Note: Compensation data is self-reported by the organization on their Form 990. "Reportable Comp" includes salary, bonuses, and other reportable compensation from the organization and related organizations. "Other Comp" includes benefits, deferred compensation, and non-taxable benefits.

Historical Data

Year	Revenue	Expenses	Assets	Net Income
2024	No data	No data	No data	No data
2023	$298,778	$215,446	$426,379	$83,332
2022	$260,139	$230,305	$343,047	$29,834
2021	$234,753	$165,510	$313,213	$69,243
2020	$168,834	$123,903	$243,972	$44,931
2019	$240,886	$208,805	$199,939	$32,081
2018	$215,642	$182,641	$167,588	$33,001

MOUNTAINS TO SHORE BOARD OF REALTORS