WEST BRANCH VALLEY ASSOCIATION OF REALTORS INC (EIN 232035135) - 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

1977

Legal Domicile

Principal Officer

MISSY MAGARGLE

Phone

5703265465

Tax Period

2025-01-01 to 2025-12-31

WEST BRANCH VALLEY ASSOCIATION OF REALTORS INC, founded in 1977, is a small nonprofit that reported $336K in total revenue in fiscal year 2025. Expenses of $401K exceeded revenue, resulting in a 19% operating deficit.

Mission

REAL ESTATE BOARD

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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 $314,826

Investment Income $16,883

Other Revenue $4,639

TOTAL REVENUE $336,348

Expense Breakdown

Grants Paid $0

Salaries & Benefits $104,149

Fundraising Expenses $0

Other Expenses $296,805

TOTAL EXPENSES $400,954

Year-over-Year Comparison

	2025	2024	Change
Revenue	$336,348	$336,550	0.0%
Expenses	$400,954	$345,290	+0.2%
Net Income	$-64,606	$-8,740	+6.4%

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

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
DREW DIGERONIMO	PRES ELECT	0.50	Officer Director	$0	$0	$0
MISSY MAGARGLE	PRESIDENT/DI	1.00	Officer Director	$0	$0	$0
AMIE PENFIELD	DIRECTOR	0.50	Director	$0	$0	$0
JUSTIN REIS	TREASURER/DI	0.50	Officer Director	$0	$0	$0
BETH RICCARDO	DIRECTOR	0.50	Director	$0	$0	$0
TINA RICHLIN	PAST PRES/DI	0.50	Director	$0	$0	$0
MARK WETHERHOLD	DIRECTOR	0.50	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	$336,348	$400,954	$599,552	$-64,606
2024	$336,550	$345,290	$633,788	$-8,740
2023	$311,764	$324,971	$665,012	$-13,207
2022	$372,819	$360,529	$720,346	$12,290
2021	$344,479	$313,483	$730,979	$30,996
2020	$338,891	$305,406	$678,455	$33,485
2019	$351,140	$315,506	$667,466	$35,634
2018	$343,453	$305,052	$625,700	$38,401

WEST BRANCH VALLEY ASSOCIATION OF REALTORS INC