Southern Adirondack 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

1974

Legal Domicile

Principal Officer

Scott Cross

Phone

5187983425

Tax Period

2025-01-01 to 2025-12-31

Southern Adirondack Realtors Inc, founded in 1974, is a small nonprofit that reported $232K in total revenue in fiscal year 2025. Revenue decreased 10% compared to the prior year. Expenses of $285K exceeded revenue, resulting in a 23% operating deficit.

Mission

TO PROVIDE ITS MEMBERS WITH PROGRAMS AND SERVICES WHICH ENHANCE THE MEMBERS' ABILITY TO SUCCESSFULLY CONDUCT THEIR BUSINESSES IN A COMPETENT AND ETHICAL MANNER, AND TO PROMOTE THE PUBLIC'S RIGHT TO USE AND TRANSFER REAL PROPERTY.

Program Service Accomplishments

Program 1

Expenses: $111,927 Revenue: $218,674

Providing assistance and administrative support to members in renting, selling and appraising real estate.

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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 (2025)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $218,674

Investment Income $12,446

Other Revenue $1,267

TOTAL REVENUE $232,387

Expense Breakdown

Grants Paid $4,170

Salaries & Benefits $109,217

Fundraising Expenses $0

Program Expenses $111,927

Other Expenses $171,405

TOTAL EXPENSES $284,792

Year-over-Year Comparison

	2025	2024	Change
Revenue	$232,387	$257,791	-0.1%
Expenses	$284,792	$300,048	-0.1%
Net Income	$-52,405	$-42,257	+0.2%

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

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

$71,906

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Molly DeVaux	CEO	40.00	Officer	$42,269	$0	$42,269
Misty Miller	Past CEO	40.00	Officer	$27,874	$1,763	$29,637
Lisa Grassi-Bender	Director	1.00	Director	$0	$0	$0
Lynn Wadleigh	Treasurer Elect	1.00	Officer Director	$0	$0	$0
Saraha Millington	President Elect	1.00	Officer Director	$0	$0	$0
Angie Mead	Director	1.00	Director	$0	$0	$0
Scott Cross	President	1.00	Officer Director	$0	$0	$0
Dan Wade	Director	1.00	Director	$0	$0	$0
Lisa Ostrander	Treasurer	1.00	Officer Director	$0	$0	$0
Conni Tucker	Director	1.00	Director	$0	$0	$0
Travis Scarincio	Director	1.00	Director	$0	$0	$0
Brad Goertzen	Secretary	1.00	Officer Director	$0	$0	$0
Joanne Davidson	Director	1.00	Director	$0	$0	$0
Jessica Sherry	Past President	1.00	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
2025	$232,387	$284,792	$986,104	$-52,405
2024	$257,791	$300,048	$979,826	$-42,257
2023	$216,870	$242,347	$960,436	$-25,477
2022	$235,959	$240,017	$1,009,051	$-4,058
2021	$179,679	$192,442	$848,890	$-12,763
2020	$185,569	$187,635	$787,672	$-2,066
2019	$212,780	$174,177	$747,498	$38,603
2018	$250,034	$148,825	$704,410	$101,209