CHAUTAUQUA-CATTARAUGUS BOARD OF REALTORS INC (EIN 160818320) - 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

1921

Legal Domicile

Principal Officer

DARCIE MCLACHLAN

Phone

7164849426

Tax Period

2025-01-01 to 2025-12-31

CHAUTAUQUA-CATTARAUGUS BOARD OF REALTORS INC, founded in 1921, is a small nonprofit that reported $434K in total revenue in fiscal year 2025.

Mission

TO PROVIDE ITS MEMBERS WITH THE HIGHEST LEVEL OF EDUCATION AND INFORMATION SERVICES IN ORDER TO ENHANCE PROFESSIONALISM AMONG MEMBERS AS WELL AS PROMOTE HOME OWNERSHIP AND HELP PROTECT PROPERTY RIGHTS.

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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 $371,116

Investment Income $96

Other Revenue $62,961

TOTAL REVENUE $434,173

Expense Breakdown

Grants Paid $12,000

Salaries & Benefits $136,965

Fundraising Expenses $0

Other Expenses $274,733

TOTAL EXPENSES $423,698

Year-over-Year Comparison

	2025	2024	Change
Revenue	$434,173	$423,765	+0.0%
Expenses	$423,698	$432,815	0.0%
Net Income	$10,475	$-9,050	-2.2%

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

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

$68,817

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
DEBBIE ROWE	DIRECTOR	0.50	Director	$0	$0	$0
KENNETH BAILEY	DIRECTOR	0.50	Director	$0	$0	$0
ERIC ANDERSON	DIRECTOR	0.50	Director	$0	$0	$0
STEVE HOLT	PRESIDENT ELECT	0.50	Officer Director	$0	$0	$0
CRAIG GLEASON	DIRECTOR	0.50	Director	$0	$0	$0
TODD VANDYKE	DIRECTOR	0.50	Director	$0	$0	$0
DANIEL TERHUNE	DIRECTOR	0.50	Director	$0	$0	$0
WILLIAM BURLEY	SECRETARY/TREASURER	0.50	Officer Director	$0	$0	$0
KELLY PATRONE	PRESIDENT	0.50	Officer Director	$0	$0	$0
TAMMY HESS-SCHMITT	DIRECTOR	0.50	Director	$0	$0	$0
TAYLOR BENNETT	DIRECTOR	0.50	Director	$0	$0	$0
DARCIE MCLACHLAN	EXECUTIVE DIRECTOR	40.00	Officer	$68,817	$0	$68,817

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	$434,173	$423,698	$389,611	$10,475
2024	$423,765	$432,815	$373,732	$-9,050
2023	$405,089	$392,867	$375,360	$12,222
2022	$353,413	$361,184	$367,345	$-7,771
2021	$335,209	$331,838	$360,185	$3,371
2020	$293,110	$281,430	$375,135	$11,680
2019	$315,048	$302,091	$328,866	$12,957
2018	$290,615	$306,163	$303,918	$-15,548

CHAUTAUQUA-CATTARAUGUS BOARD OF REALTORS INC