MID JERSEY ASSOCIATION OF REALTORS INC (EIN 221831517) - 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

1915

Legal Domicile

Principal Officer

NICOLE BANBOR

Phone

7324423400

Tax Period

2024-01-01 to 2024-12-31

MID JERSEY ASSOCIATION OF REALTORS INC, founded in 1915, is a community nonprofit that reported $1.8M in total revenue in fiscal year 2024. Revenue surged 45% from the prior year, signaling strong growth momentum. Expenses of $1.7M left a modest 4% surplus.

Mission

MID JERSEY ASSN OF REALTORS INC., EXISTS TO SUPPORT ALL SEGMENTS OF ITS

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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 $0

Program Service Revenue $1,428,988

Investment Income $87,030

Other Revenue $241,270

TOTAL REVENUE $1,757,288

Expense Breakdown

Grants Paid $0

Salaries & Benefits $762,168

Fundraising Expenses $0

Program Expenses $1,679,216

Other Expenses $917,048

TOTAL EXPENSES $1,679,216

Year-over-Year Comparison

	2024	2023	Change
Revenue	$1,757,288	$1,210,885	+0.5%
Expenses	$1,679,216	$1,275,270	+0.3%
Net Income	$78,072	$-64,385	-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

$165,385

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
NICOLE BANBOR	CEO	40.00	Officer	$165,385	$0	$165,385
FRANK GLAUSH	PRESIDENT	0.00		$8,400	$0	$8,400
JUDY MORIARTY	IMMEDIATE PAST PRESIDE	0.00	Officer Director	$0	$0	$0
KEVIN S MCPHEETERS	TREASURER	0.00	Officer Director	$0	$0	$0
GENETTE FALK	DIRECTOR	0.00	Officer Director	$0	$0	$0
MICHAEL DEL CIOPPO	DIRECTOR	0.00	Director	$0	$0	$0
TRACEE SCHAEFER	DIRECTOR	0.00	Director	$0	$0	$0
BENJAMIN JAMPEL	DIRECTOR	0.00	Director	$0	$0	$0
FAREEDA STOKES	DIRECTOR	0.00	Director	$0	$0	$0
SUSAN LARUE	DIRECTOR	0.00	Director	$0	$0	$0
ROBERT LOPEZ	DIRECTOR	0.00	Director	$0	$0	$0
JOAN BOSTONIAN	DIRECTOR	0.00	Director	$0	$0	$0
NORA JANE BURROWS	DIRECTOR	0.00	Director	$0	$0	$0
GARETH FARMER	2024 PRESIDENT ELECT	0.00	Director	$0	$0	$0
SUSAN GIACCHI	DIRECTOR	0.00	Director	$0	$0	$0
FELIX GRECO	DIRECTOR	0.00	Director	$0	$0	$0
YA YUAN LIEN	DIRECTOR	0.00	Director	$0	$0	$0
KLAUDIA PIOTROWICZ	DIRECTOR	0.00	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	$1,757,288	$1,679,216	$5,312,500	$78,072
2023	$1,210,885	$1,275,270	$5,236,846	$-64,385
2022	$1,143,788	$1,133,917	$2,147,329	$9,871
2021	$1,326,708	$1,079,228	$2,109,219	$247,480
2020	$888,025	$837,325	$1,746,999	$50,700
2019	$931,858	$914,201	$1,579,717	$17,657

MID JERSEY ASSOCIATION OF REALTORS INC