GREATER NEWBURYPORT REALTORS INC

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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

1972

Legal Domicile

Principal Officer

TRISHA J MCCARTHY

Phone

9784625415

Tax Period

2025-01-01 to 2025-10-31

GREATER NEWBURYPORT REALTORS INC, founded in 1972, is a micro nonprofit that reported $41K in total revenue in fiscal year 2024. Revenue fell 73% from the prior year — a significant decline worth monitoring. Expenses of $124K exceeded revenue, resulting in a 205% operating deficit.

Mission

TO PROVIDE ADVOCACY FOR THE INDUSTRY AND SUPPORT FOR THE MEMBERSHIP TO ENHANCE THEIR KNOWLEDGE, SKILLS AND PROFIT AS REAL ESTATE PROFESSIONALS.

Program Service Accomplishments

Program 1

PROVIDE SUPPORT AND EDUCATION SERVICES, PROFESSIONAL NETWORKING, AND INDUSTRY INFORMATION TO MEMBERS WHO ARE REAL ESTATE BROKERS IN THE NEWBURYPORT AREA.

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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 $33,838

Program Service Revenue $5,779

Investment Income $4,087

Other Revenue $-3,127

TOTAL REVENUE $40,577

Expense Breakdown

Grants Paid $0

Salaries & Benefits $66,820

Fundraising Expenses $0

Other Expenses $56,951

TOTAL EXPENSES $123,771

Year-over-Year Comparison

	2024	2023	Change
Revenue	$40,577	$152,039	-0.7%
Expenses	$123,771	$126,705	0.0%
Net Income	$-83,194	$25,334	-4.3%

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

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
DAVID LUOMA	DIRECTOR	2.00	Director	$0	$0	$0
NATASHA SANBORN	DIRECTOR	2.00	Director	$0	$0	$0
JAY LECLERC	DIRECTOR	2.00	Director	$0	$0	$0
RACHEL PERSON-CANDELORA	PRESIDENT ELECT	10.00	Officer	$0	$0	$0
TRISHA J MCCARTHY	TREASURER/SECRETARY	10.00	Officer	$0	$0	$0
JANET PELLEGRINI	PRESIDENT	10.00	Officer	$0	$0	$0
BYRON LANE	IMMEDIATE PAST PERSIDENT	10.00	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
2025	$40,577	$123,771	No data	$-83,194
2024	$75,700	$132,395	$339,296	$-56,695
2023	$152,039	$126,705	$395,991	$25,334
2022	$122,779	$136,007	$418,555	$-13,228
2021	$169,319	$115,957	$435,226	$53,362
2020	$154,139	$96,068	$395,376	$58,071
2019	$148,094	$131,987	$343,136	$16,107
2018	$145,979	$135,641	$345,337	$10,338