REALTOR ASSOCIATION OF PIONEER VALLEY CHARITABLE AND EDUCATION FUND INC (EIN 043131458) - 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

1991

Legal Domicile

Principal Officer

PETER RUFFINI

Tax Period

2023-01-01 to 2023-12-31

REALTOR ASSOCIATION OF PIONEER VALLEY CHARITABLE AND EDUCATION FUND INC, founded in 1991, is a micro nonprofit in the Philanthropy & Grantmaking sector that reported $55K in total revenue in fiscal year 2023. Revenue surged 124% from the prior year, signaling strong growth momentum. The organization ran a surplus of $35K, a strong 63% operating margin.

Mission

This organization encourages community service activity of all members assists community organizations within defined policy conducts fund-raising activities in order to give back to those in need.

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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 $200

Program Service Revenue $0

Investment Income $37,583

Other Revenue $17,020

TOTAL REVENUE $54,803

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $16,458

Other Expenses $20,084

TOTAL EXPENSES $20,084

Year-over-Year Comparison

	2023	2022	Change
Revenue	$54,803	$24,453	+1.2%
Expenses	$20,084	$21,710	-0.1%
Net Income	$34,719	$2,743	+11.7%

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

N/A

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
Lori Chase	President	001.00	Officer Director	$0	$0	$0
Peter Ruffini	President Elect	001.00	Officer Director	$0	$0	$0
Clinton Stone	Treasurer	001.00	Officer Director	$0	$0	$0
Cheryl Malandrinos	Immediate Past President	001.00	Officer Director	$0	$0	$0
Carrie Blair	Director	001.00	Director	$0	$0	$0
Shawn Bowman	Director	001.00	Director	$0	$0	$0
Brenda Cuoco	Director	001.00	Director	$0	$0	$0
Sue Drumm	Director	001.00	Director	$0	$0	$0
Kelly Page	Director	001.00	Director	$0	$0	$0
Janise Fitzpatrick	Director	001.00	Director	$0	$0	$0
Judy Nevarez	Director	001.00	Director	$0	$0	$0
Don Thompson	Director	001.00	Director	$0	$0	$0
Vinny Walsh	Director	001.00	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	$54,803	$20,084	$218,245	$34,719

REALTOR ASSOCIATION OF PIONEER VALLEY CHARITABLE AND EDUCATION FUND INC