Vermont Association of Realtors Inc (EIN 030265065) - 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

1945

Legal Domicile

Phone

8022290513

Tax Period

2023-01-01 to 2023-12-31

Vermont Association of Realtors Inc, founded in 1945, is a community nonprofit that reported $1.0M in total revenue in fiscal year 2023. Revenue decreased 7% compared to the prior year. Expenses of $915K left a modest 11% surplus.

Mission

The Mission of the Organization is to serve its members by providing resources that help them deliver real estate services in an ethical and professional manner as well as to advocate for the rights of property owners in Vermont.

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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 $0

Program Service Revenue $997,843

Investment Income $-116,504

Other Revenue $143,113

TOTAL REVENUE $1,024,452

Expense Breakdown

Grants Paid $16,100

Salaries & Benefits $419,174

Fundraising Expenses $0

Other Expenses $479,269

TOTAL EXPENSES $914,543

Year-over-Year Comparison

	2023	2022	Change
Revenue	$1,024,452	$1,106,430	-0.1%
Expenses	$914,543	$911,369	+0.0%
Net Income	$109,909	$195,061	-0.4%

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

$140,415

Total Directors

$12,000

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Kathy Sweeten	CEO	40.00	Officer	$128,415	$0	$128,415
Sarah Peluso	President	3.00	Officer Director	$12,000	$0	$12,000
Barbara Trousdale	Treasurer	1.00	Officer Director	$0	$0	$0
Alison Cummings	NAR Director	1.00	Officer Director	$0	$0	$0
Nancy Liberatore	Director	1.00	Director	$0	$0	$0
Meg McGovern	At-Large Comm R	1.00	Director	$0	$0	$0
Mike Hickey	Past President	1.00	Officer Director	$0	$0	$0
Brian Armstrong	Director	1.00	Director	$0	$0	$0
Claudia Harris	Director	1.00	Director	$0	$0	$0
Robbi Holmes	Director	1.00	Director	$0	$0	$0
Stephanie Corey	Director	1.00	Director	$0	$0	$0
Patrice Schneider	Director	1.00	Director	$0	$0	$0
Lisa Meyer	Director	1.00	Director	$0	$0	$0
Steve Poulin	Director	1.00	Director	$0	$0	$0
Joanne Kent	Director	1.00	Director	$0	$0	$0
Ken Libby	NAR DSA	1.00	Officer Director	$0	$0	$0
TG Glazer	Pres Council Re	1.00	Officer Director	$0	$0	$0
Steven P Foster	Vice President	1.00	Officer Director	$0	$0	$0
David Raphael	NAR Director	1.00	Officer Director	$0	$0	$0
Gary Coger	Director	1.00	Director	$0	$0	$0

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	$1,024,452	$914,543	$1,976,162	$109,909
2022	$1,106,430	$911,369	$2,117,225	$195,061
2021	No data	No data	$1,631,545	No data
2020	$924,943	$702,402	$1,631,545	$222,541

Vermont Association of Realtors Inc