ST CHARLES COUNTY ASSOCIATION OF REALTORS (EIN 237084082) - 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

1946

Legal Domicile

Principal Officer

MINDY WEST

Phone

6369464022

Tax Period

2024-01-01 to 2024-12-31

ST CHARLES COUNTY ASSOCIATION OF REALTORS, founded in 1946, is a small nonprofit that reported $856K in total revenue in fiscal year 2024.

Mission

TO ADVOCATE FOR REAL PROPERTY RIGHTS, DELIVER EDUCATIONAL PROGRAMS, AND CONNECT MEMBERS

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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 $2,032

Program Service Revenue $685,486

Investment Income $29,303

Other Revenue $138,781

TOTAL REVENUE $855,602

Expense Breakdown

Grants Paid $0

Salaries & Benefits $452,856

Fundraising Expenses $0

Other Expenses $395,052

TOTAL EXPENSES $847,908

Year-over-Year Comparison

	2024	2023	Change
Revenue	$855,602	$823,277	+0.0%
Expenses	$847,908	$777,390	+0.1%
Net Income	$7,694	$45,887	-0.8%

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

100

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

$120,120

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
MINDY WEST	PRESIDENT	5.00	Officer Director	$0	$0	$0
SARAH BELL	PRESIDENT-ELECT	2.00	Officer Director	$0	$0	$0
REBECCA KLEIN	PAST PRESIDENT	2.00	Officer Director	$0	$0	$0
JUSTIN RADLE	TREASURER	2.00	Officer Director	$0	$0	$0
LISA ADKINS	DIRECTOR	2.00	Director	$0	$0	$0
JUDY BATEMAN	DIRECTOR	2.00	Director	$0	$0	$0
MATT BECKER	DIRECTOR	2.00	Director	$0	$0	$0
MARY CHEGE	DIRECTOR	2.00	Director	$0	$0	$0
JOHN COYNE	DIRECTOR	2.00	Director	$0	$0	$0
CHAD ELLEDGE	DIRECTOR	2.00	Director	$0	$0	$0
WILLIAM FROST	DIRECTOR	2.00	Director	$0	$0	$0
SAMARA MITCHELL	DIRECTOR	2.00	Director	$0	$0	$0
LEAH PETRAS	DIRECTOR	2.00	Director	$0	$0	$0
SAMANTHA RICHARDSON	DIRECTOR	2.00	Director	$0	$0	$0
MICHAEL SWARINGIM	DIRECTOR	2.00	Director	$0	$0	$0
JACLYN WOLVERTON	DIRECTOR	2.00	Director	$0	$0	$0
MICHAEL LAMARTINA	DIRECTOR	2.00	Director	$0	$0	$0
GWEN WALTERS	CEO	40.00	Officer	$120,120	$0	$120,120

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	$855,602	$847,908	$1,806,229	$7,694
2023	$823,277	$777,390	$1,855,471	$45,887
2022	$837,914	$693,505	$1,682,119	$144,409
2021	$775,513	$614,712	$1,325,291	$160,801
2020	$695,860	$634,082	$1,051,961	$61,778
2019	$699,503	$656,595	$978,730	$42,908
2018	$747,174	$628,303	$885,745	$118,871

ST CHARLES COUNTY ASSOCIATION OF REALTORS