CENTRAL SUSQUEHANNA VALLEY BOARD OF REALTORS (EIN 232568890) - 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

1987

Legal Domicile

Principal Officer

PAMELA WHITENIGHT

Phone

5702757818

Tax Period

2025-01-01 to 2025-12-31

CENTRAL SUSQUEHANNA VALLEY BOARD OF REALTORS, founded in 1987, is a small nonprofit that reported $116K in total revenue in fiscal year 2025. Revenue grew 11% year-over-year, indicating healthy expansion.

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 $5,422

Program Service Revenue $102,969

Investment Income $1,359

Other Revenue $6,312

TOTAL REVENUE $116,062

Expense Breakdown

Grants Paid $0

Salaries & Benefits $49,686

Fundraising Expenses $0

Other Expenses $77,565

TOTAL EXPENSES $127,251

Year-over-Year Comparison

	2025	2024	Change
Revenue	$116,062	$104,312	+0.1%
Expenses	$127,251	$120,334	+0.1%
Net Income	$-11,189	$-16,022	-0.3%

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
PAMELA WHITENIGHT	PRESIDENT	2.00	Officer Director	$0	$0	$0
STEPHANIE DIDOMENICO	PRESIDENT EL	2.00	Officer Director	$0	$0	$0
ANGELA YOUNG	VICE PRESIDE	2.00	Officer Director	$0	$0	$0
MARK MORROW	SECRETARY/TR	2.00	Officer Director	$0	$0	$0
LINA MELARAGNI	DIRECTOR	1.00	Director	$0	$0	$0
PATSY BOWERS	DIRECTOR	1.00	Director	$0	$0	$0
DAWN COULTER	DIRECTOR	1.00	Director	$0	$0	$0
CAREY SMITH	DIRECTOR	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	$116,062	$127,251	$189,503	$-11,189
2024	$104,312	$120,334	$226,645	$-16,022
2023	$96,454	$112,515	$250,869	$-16,061
2022	$120,522	$112,563	$310,105	$7,959
2021	$129,123	$103,296	$333,514	$25,827
2020	$99,538	$93,501	$293,154	$6,037
2019	$96,593	$126,514	$313,945	$-29,921
2018	$91,908	$126,445	$328,525	$-34,537

CENTRAL SUSQUEHANNA VALLEY BOARD OF REALTORS