SOUTH SHORE REALTORS INC (EIN 042348535) - 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

2000

Legal Domicile

Principal Officer

RACHEL D TRISTANO

Phone

7818265139

Tax Period

2024-01-01 to 2024-12-31

SOUTH SHORE REALTORS INC, founded in 2000, is a small nonprofit that reported $895K in total revenue in fiscal year 2024. Revenue decreased 13% compared to the prior year. Expenses of $1.1M exceeded revenue, resulting in a 18% operating deficit.

Mission

SOUTH SHORE REALTORS, INC. PROVIDES ITS MEMBERS WITH SUPPORT AND RESOURCES TO SERVE CONSUMERS

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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 $25,429

Program Service Revenue $806,755

Investment Income $72,001

Other Revenue $-9,437

TOTAL REVENUE $894,748

Expense Breakdown

Grants Paid $9,000

Salaries & Benefits $685,741

Fundraising Expenses $0

Program Expenses $916,710

Other Expenses $357,611

TOTAL EXPENSES $1,052,352

Year-over-Year Comparison

	2024	2023	Change
Revenue	$894,748	$1,027,895	-0.1%
Expenses	$1,052,352	$1,023,704	+0.0%
Net Income	$-157,604	$4,191	-38.6%

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

$230,303

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
RACHEL TRISTANO	CEO	60.00	Officer	$230,303	$0	$230,303
KELLYANNE SWETT	DIRECTOR	5.00	Director	$0	$0	$0
HOLLY BRONHARD	DIRECTOR	5.00	Director	$0	$0	$0
MICHELLE COX	PAST PRESIDENT	5.00	Director	$0	$0	$0
TINA DAVIS-CHIRUNA	DIRECTOR	5.00	Director	$0	$0	$0
DAVID BRODEUR	DIRECTOR	5.00	Director	$0	$0	$0
JENNIFER JULE	DIRECTOR	5.00	Director	$0	$0	$0
JOSEPH COSTANTINO	PRESIDENT-ELECT	10.00	Officer Director	$0	$0	$0
JANET PISTONE	VICE PRESIDENT	5.00	Officer Director	$0	$0	$0
CHRISTINE MCLELLAN	CLERK	5.00	Officer Director	$0	$0	$0
JAMISON SOUZA	TREASURER	5.00	Officer Director	$0	$0	$0
ROBERT SULLIVAN	PRESIDENT	10.00	Officer Director	$0	$0	$0
GAYLE CIPITELLI	DIRECTOR	5.00	Director	$0	$0	$0
RICHARD WAYSTACK	DIRECTOR	5.00	Director	$0	$0	$0
JODIE SULLIVAN	DIRECTOR	5.00	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	$894,748	$1,052,352	$1,377,401	$-157,604
2023	$1,027,895	$1,023,704	$1,518,090	$4,191
2022	$965,687	$1,001,217	$1,421,294	$-35,530
2021	$951,716	$958,658	$1,554,095	$-6,942
2020	$1,152,754	$926,516	$1,542,889	$226,238
2019	$971,882	$918,452	$1,387,371	$53,430
2018	$814,924	$944,030	$1,371,276	$-129,106

SOUTH SHORE REALTORS INC