CUMBERLAND BOARD OF REALTORS (EIN 237361276) - 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

1925

Legal Domicile

Principal Officer

NICK BORRERO

Phone

8566921118

Tax Period

2023-01-01 to 2023-12-31

CUMBERLAND BOARD OF REALTORS, founded in 1925, is a small nonprofit that reported $252K in total revenue in fiscal year 2023. Revenue grew 9% year-over-year, indicating healthy expansion. Expenses of $240K left a modest 5% surplus.

Mission

UNITE REAL ESTATE BUSINESSES

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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 (2023)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $193,076

Investment Income $30,772

Other Revenue $28,056

TOTAL REVENUE $251,904

Expense Breakdown

Grants Paid $0

Salaries & Benefits $97,623

Fundraising Expenses $0

Program Expenses $98,826

Other Expenses $142,716

TOTAL EXPENSES $240,339

Year-over-Year Comparison

	2023	2022	Change
Revenue	$251,904	$231,430	+0.1%
Expenses	$240,339	$253,210	-0.1%
Net Income	$11,565	$-21,780	-1.5%

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

N/A

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

$6,000

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
NICK BORRERO	PRESIDENT	1.00	Director	$6,000	$0	$6,000
BRIAN COLLINI	PRESIDENT-EL	N/A	Director	$0	$0	$0
MICHELLE URGO	VICE PRESIDE	N/A	Director	$0	$0	$0
TINA SWINK	TREASURER	N/A	Director	$0	$0	$0
JAN ELWELL	SECRETARY	N/A	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	No data	No data	No data	No data
2023	$251,904	$240,339	$632,736	$11,565
2022	$231,430	$253,210	$619,948	$-21,780
2021	$256,446	$204,797	$641,279	$51,649
2020	$242,690	$201,462	$589,740	$41,228
2019	$295,737	$243,723	$548,452	$52,014
2018	$244,185	$256,529	$496,404	$-12,344

CUMBERLAND BOARD OF REALTORS