Realtor Association of Pioneer Valley (EIN 042272596) - 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

1915

Legal Domicile

Principal Officer

David Belew

Phone

4137851328

Tax Period

2024-01-01 to 2024-12-31

Realtor Association of Pioneer Valley, founded in 1915, is a community nonprofit in the Community Improvement sector that reported $1.1M in total revenue in fiscal year 2024. Revenue surged 23% from the prior year, signaling strong growth momentum. Expenses of $961K left a modest 14% surplus.

Mission

To unite those engaged in the recognized branches of the real estate profession in the Pioneer Valley area for the purpose of exerting a beneficial influence upon the profession and related interests.

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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 (2024)

Revenue Breakdown

Contributions & Grants $630,046

Program Service Revenue $197,575

Investment Income $281,900

Other Revenue $13,850

TOTAL REVENUE $1,123,371

Expense Breakdown

Grants Paid $0

Salaries & Benefits $572,511

Fundraising Expenses $0

Program Expenses $679,374

Other Expenses $388,620

TOTAL EXPENSES $961,131

Year-over-Year Comparison

	2024	2023	Change
Revenue	$1,123,371	$915,364	+0.2%
Expenses	$961,131	$882,464	+0.1%
Net Income	$162,240	$32,900	+3.9%

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

N/A

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

$139,051

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
David Belew	CEO	50.00	Officer	$133,077	$5,974	$139,051
Carrie Blair	Director	1.00	Director	$0	$0	$0
Shawn Bowman	Director	1.00	Director	$0	$0	$0
Kelly Page	Director	0.00	Director	$0	$0	$0
Janise Fitzpatrick	Director	1.00	Director	$0	$0	$0
Erica Swallow	Director	1.00	Director	$0	$0	$0
Chad Lynch	Director	1.00	Director	$0	$0	$0
Jen Tetreault	Director	1.00	Director	$0	$0	$0
Don Thompson	Director	1.00	Director	$0	$0	$0
Vinny Walsh	Director	1.00	Director	$0	$0	$0
Peter Ruffini	President	1.00	Officer	$0	$0	$0
Sue Drumm	President Elect	1.00	Officer	$0	$0	$0
Judy Nevarez	Treasurer	1.00	Officer	$0	$0	$0
Lori Chase	Past President	1.00	Officer	$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	$1,123,371	$961,131	$2,553,225	$162,240
2023	$915,364	$882,464	$2,420,628	$32,900
2022	$895,460	$844,102	$2,172,730	$51,358
2021	$992,171	$805,639	$2,512,380	$186,532
2020	$778,376	$758,538	$2,145,367	$19,838
2019	$868,142	$824,225	$2,036,015	$43,917
2018	$872,064	$845,771	$1,878,913	$26,293

Realtor Association of Pioneer Valley