BUCKS COUNTY ASSOCIATION OF REALTOR (EIN 237025859) - 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

1970

Legal Domicile

Principal Officer

STEPHANIE GARAMON

Phone

2159569176

Tax Period

2024-01-01 to 2024-12-31

BUCKS COUNTY ASSOCIATION OF REALTOR, founded in 1970, is a community nonprofit that reported $1.1M in total revenue in fiscal year 2024. Expenses of $1.2M exceeded revenue, resulting in a 11% operating deficit.

Mission

UNITING AND SERVING REAL ESTATE PROFESSIONALS

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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 $9,650

Program Service Revenue $926,108

Investment Income $105,825

Other Revenue $18,403

TOTAL REVENUE $1,059,986

Expense Breakdown

Grants Paid $3,090

Salaries & Benefits $641,702

Fundraising Expenses $0

Other Expenses $536,239

TOTAL EXPENSES $1,181,031

Year-over-Year Comparison

	2024	2023	Change
Revenue	$1,059,986	$1,092,261	0.0%
Expenses	$1,181,031	$1,172,816	+0.0%
Net Income	$-121,045	$-80,555	+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

363

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

$185,099

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
PAMELA A CROKE	CHIEF EXECUT	40.00	Officer	$175,598	$9,501	$185,099
STEPHANIE GARAMON	PRESIDENT	4.00	Officer Director	$0	$0	$0
BARB MATYSZCZAK	VICE PRESIDE	2.00	Officer Director	$0	$0	$0
JOHN IANNARELLI	TREASURER	2.00	Officer Director	$0	$0	$0
FRANK BLUMENTHAL	PRESIDENT-EL	3.00	Officer Director	$0	$0	$0
DOUGLAS C KRAUTHEIM	PAST PRESIDE	1.00	Officer Director	$0	$0	$0
RALPH CIRINO	AFF. DIRECTO	1.00	Director	$0	$0	$0
RYAN GALLAGHER	DIRECTOR	1.00	Director	$0	$0	$0
KAREN GAUL-PARRY	DIRECTOR	1.00	Director	$0	$0	$0
MARSHA L HICK	DIRECTOR	1.00	Director	$0	$0	$0
JERRY HILL	DIRECTOR	1.00	Director	$0	$0	$0
CHRISTY MANETTA	DIRECTOR	1.00	Director	$0	$0	$0
DAVE MARCOLLA	DIRECTOR	1.00	Director	$0	$0	$0
TODD MCCARTY	DIRECTOR	1.00	Director	$0	$0	$0
DARLENE MEEKINS	DIRECTOR	1.00	Director	$0	$0	$0
JAVIER NICHOLS	DIRECTOR	1.00	Director	$0	$0	$0
MARYELLEN O'BRIEN	NAR DIRECTOR	1.00	Director	$0	$0	$0
KIM PORTER	DIRECTOR	1.00	Director	$0	$0	$0
BRANDI SHAW	DIRECTOR	1.00	Director	$0	$0	$0
ALEX SHNAYDER	NAR 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
2024	$1,059,986	$1,181,031	$827,139	$-121,045
2023	$1,092,261	$1,172,816	$909,626	$-80,555
2022	$1,079,507	$1,121,341	$1,022,620	$-41,834
2021	$1,086,466	$944,435	$995,326	$142,031
2020	$870,749	$905,899	$827,823	$-35,150
2019	$797,694	$921,698	$915,891	$-124,004
2018	$798,643	$896,516	$982,136	$-97,873

BUCKS COUNTY ASSOCIATION OF REALTOR