Cape Cod & Islands Association of Realtors Inc (EIN 042315153) - 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

1926

Legal Domicile

Principal Officer

Elisabeth Hemmerdinger

Phone

5089574300

Tax Period

2024-01-01 to 2024-12-31

Cape Cod & Islands Association of Realtors Inc, founded in 1926, is a small nonprofit that reported $863K in total revenue in fiscal year 2024.

Mission

See Part III, Line 1

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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 $655,374

Program Service Revenue $45,903

Investment Income $40,651

Other Revenue $121,447

TOTAL REVENUE $863,375

Expense Breakdown

Grants Paid $1,250

Salaries & Benefits $345,831

Fundraising Expenses $0

Other Expenses $511,194

TOTAL EXPENSES $858,275

Year-over-Year Comparison

	2024	2023	Change
Revenue	$863,375	$843,949	+0.0%
Expenses	$858,275	$905,856	-0.1%
Net Income	$5,100	$-61,907	-1.1%

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

120

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

$211,617

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
RYAN CASTLE	CEO	16.0	Officer	$67,970	$41,692	$211,617
Todd Machnik	President Elect	1.0	Officer Director	$0	$0	$0
EMILY CLARK	PRESIDENT	1.0	Officer Director	$0	$0	$0
Courtney Marek	Past President	1.0	Officer Director	$0	$0	$0
SERENA LO-PICCOLO	DIRECTOR	1.0	Director	$0	$0	$0
Mari Sennott	DIRECTOR	1.0	Director	$0	$0	$0
JEN WHITTAKER	DIRECTOR	1.0	Director	$0	$0	$0
Beverly Comeau	DIRECTOR	1.0	Director	$0	$0	$0
ALYSSA HALISKY	DIRECTOR	1.0	Director	$0	$0	$0
Sharon Mabile	Director	1.0	Director	$0	$0	$0
Brian Greer	Director	1.0	Director	$0	$0	$0
Jeffrey Clonts	Director	1.0	Director	$0	$0	$0
Hayley Nickerson	Director	1.0	Director	$0	$0	$0
Stephen Seaver	Treasurer/Clerk	1.0	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	$863,375	$858,275	$2,765,496	$5,100
2023	$843,949	$905,856	$3,002,790	$-61,907
2022	$842,360	$899,609	$2,773,976	$-57,249
2021	$778,661	$825,861	$2,856,756	$-47,200
2020	$706,637	$709,344	$2,968,621	$-2,707
2019	$791,544	$778,182	$2,944,348	$13,362
2018	$737,278	$739,355	$2,977,847	$-2,077

Cape Cod & Islands Association of Realtors Inc