EASTERN CT ASSOCIATION OF REALTORS (EIN 060860201) - 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

Legal Domicile

Principal Officer

Susan Hurlbert

Phone

8608922595

Tax Period

2024-01-01 to 2024-12-31

EASTERN CT ASSOCIATION OF REALTORS is a small nonprofit that reported $687K in total revenue in fiscal year 2024. Net assets of $1.6M represent 28 months of operating reserves.

Mission

To attain the highest ethical and professional standards among our members, to support members in building and improving their real estate practices, to promote real estate ownership, to advocate for the protection of private property rights, and to be recognized as the "Voice for Real Estate in Eastern Connecticut".

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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 $501,656

Program Service Revenue $131,976

Investment Income $54,187

Other Revenue $-761

TOTAL REVENUE $687,058

Expense Breakdown

Grants Paid $0

Salaries & Benefits $335,514

Fundraising Expenses $0

Other Expenses $333,863

TOTAL EXPENSES $669,377

Year-over-Year Comparison

	2024	2023	Change
Revenue	$687,058	$670,510	+0.0%
Expenses	$669,377	$615,664	+0.1%
Net Income	$17,681	$54,846	-0.7%

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

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
Susy Hurlbert	CEO	50.00		$116,442	$9,315	$125,757
Tian Lajoie	Director	2.00	Director	$0	$0	$0
Merry Cassabria	Director	2.00	Director	$0	$0	$0
Stephanie DeBiasi	Director	2.00	Director	$0	$0	$0
Dan Contino	Vice President	4.00	Officer Director	$0	$0	$0
Melissa Giangrasso	Director	2.00	Director	$0	$0	$0
Greg Broadbent	Director	2.00	Director	$0	$0	$0
Rose Eapen	Treasurer	4.00	Officer Director	$0	$0	$0
Cathy Gonyo	Vice President	4.00	Officer Director	$0	$0	$0
Gregory Hanner	Director	2.00	Director	$0	$0	$0
Marilyn Lusher	Director	2.00	Director	$0	$0	$0
Norman Krayem	Director	2.00	Director	$0	$0	$0
Stacey Wyeth	Director	2.00	Director	$0	$0	$0
Molly Bruno	President	4.00	Officer Director	$0	$0	$0
Carol Christiansen	Director	2.00	Director	$0	$0	$0
Brian McCarthy	Director	2.00	Director	$0	$0	$0
Lea Borgne	Director	2.00	Director	$0	$0	$0
Amanda Polansky	Director	2.00	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	$687,058	$669,377	$1,856,089	$17,681
2023	$670,510	$615,664	$1,835,676	$54,846
2022	$701,807	$626,102	$1,618,837	$75,705
2021	$709,996	$567,688	$1,764,716	$142,308
2020	$612,172	$534,859	$1,464,172	$77,313
2019	$613,108	$599,783	$1,374,755	$13,325
2018	$628,574	$573,813	$1,306,694	$54,761

EASTERN CT ASSOCIATION OF REALTORS