LIBERTY BOARD OF REALTORS

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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

ALIDA VASQUEZ

Phone

2018674415

Tax Period

2025-01-01 to 2025-12-31

LIBERTY BOARD OF REALTORS is a community nonprofit that reported $2.5M in total revenue in fiscal year 2025. Expenses of $2.2M left a modest 10% surplus.

Mission

TO PROVIDE INFORMATION AND GUIDANCE FOR THE REALTORS OF NEW JERSEY IN ORDER TO ASSIST THEM TO REMAIN WITHIN THE GUIDELINES OF THE INDUSTRY'S LAWS

Program Service Accomplishments

Program 1

KEEP MEMBERS WITH UP TO DATE INFORMATION SO AS TO REMAIN AND OPERATE WITHIN THE GUIDELINES OF THE REAL ESTATE INDUSTRY.

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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 $2,472,079

Investment Income $12,646

Other Revenue $98

TOTAL REVENUE $2,484,823

Expense Breakdown

Grants Paid $0

Salaries & Benefits $75,691

Fundraising Expenses $0

Program Expenses $2,246,558

Other Expenses $2,170,867

TOTAL EXPENSES $2,246,558

Year-over-Year Comparison

	2025	2024	Change
Revenue	$2,484,823	$2,470,209	+0.0%
Expenses	$2,246,558	$2,311,852	0.0%
Net Income	$238,265	$158,357	+0.5%

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
MARGARET JAGER-WATSON	DIRECTOR	N/A	Director	$0	$0	$0
ANNETTE RUBIN	DIRECTOR	N/A	Director	$0	$0	$0
GINGER SHUKRUN	DIRECTOR	N/A	Director	$0	$0	$0
KATHERINE SILVER	DIRECTOR	N/A	Director	$0	$0	$0
LAURA SKOLAR-GAMARELLO	DIRECTOR	N/A	Director	$0	$0	$0
ALIDA VASQUEZ	EXEC.V.P.	N/A	Officer	$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	$2,484,823	$2,246,558	$4,050,052	$238,265
2024	$2,470,209	$2,311,852	$3,811,787	$158,357
2023	$2,520,936	$2,522,355	$3,653,430	$-1,419
2022	$2,742,218	$2,492,741	$3,654,850	$249,477
2021	$2,773,555	$2,391,006	$3,458,878	$382,549
2020	$2,544,498	$2,495,585	$3,076,659	$48,913