EMERALD COAST ASSOCIATION OF REALT… - Form 990 Financial Data

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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

1964

Legal Domicile

Principal Officer

TERRY PILCHER

Phone

8502436145

Tax Period

2023-01-01 to 2023-12-31

EMERALD COAST ASSOCIATION OF REALTORS INC, founded in 1964, is a community nonprofit that reported $4.6M in total revenue in fiscal year 2023. Expenses of $4.1M left a modest 10% surplus.

Mission

TO PROVIDE MEMBERS WITH RESOURCES TO ACHIEVE AN EXEMPLARY LEVEL OF PROFESSIONALISM, INTEGRITY, AND ETHICAL BUSINESS PRACTICE, WHILE ENRICHING THE QUALITY OF LIFE IN THE COMMUNITY.

Program Service Accomplishments

Program 1

Expenses: $3,481,386 Revenue: $4,588,891

MLS, EDUCATION, OTHER MEMBER SERVICES

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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 $4,494,852

Investment Income $94,039

Other Revenue $7,084

TOTAL REVENUE $4,595,975

Expense Breakdown

Grants Paid $0

Salaries & Benefits $1,625,297

Fundraising Expenses $0

Program Expenses $3,481,386

Other Expenses $2,503,971

TOTAL EXPENSES $4,129,268

Year-over-Year Comparison

	2023	2022	Change
Revenue	$4,595,975	$4,349,627	+0.1%
Expenses	$4,129,268	$3,442,697	+0.2%
Net Income	$466,707	$906,930	-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

350

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

$334,611

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
JOE CAPELOTTI	PRESIDENT	4.00	Officer Director	$0	$0	$0
KEITH WOOD	PRESIDENT-ELECT	2.00	Officer Director	$0	$0	$0
MARIA DUDLEY HOWELL	VICE PRESIDENT	2.00	Officer Director	$0	$0	$0
MICHELE BAILEY	IMMEDIATE PAST PRESIDENT	1.00	Officer Director	$0	$0	$0
DAWN JOHNSON	TREASURER	2.00	Officer Director	$0	$0	$0
MELINDA VAZQUEZ	ASSISTANT TREASURER	1.00	Officer Director	$0	$0	$0
MELISSA SKONIECKI	BOARD MEMBER	1.00	Director	$0	$0	$0
ROB BROOKS	BOARD MEMBER	1.00	Director	$0	$0	$0
BRANDY BROWN	BOARD MEMBER	1.00	Director	$0	$0	$0
THOMAS CANADA	BOARD MEMBER	1.00	Director	$0	$0	$0
KIMBERLIE GRIGGS	BOARD MEMBER	1.00	Director	$0	$0	$0
HANA HAWKINS	BOARD MEMBER	1.00	Director	$0	$0	$0
RACHEL SIMERLY	BOARD MEMBER	1.00	Director	$0	$0	$0
TAMMY SUMMERS	BOARD MEMBER	1.00	Director	$0	$0	$0
TULA TUCKER	BOARD MEMBER	1.00	Director	$0	$0	$0
CHRIS WOOTEN	BOARD MEMBER	1.00	Director	$0	$0	$0
MELVIN PONDER	ASSOCIATION EXECUTIVE	50.00	Officer	$197,816	$6,708	$204,524
CHRIS PEAVY	CHIEF OPERATING OFFICER	50.00	Officer	$111,923	$18,164	$130,087

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	$4,595,975	$4,129,268	$9,289,676	$466,707
2022	$4,349,627	$3,442,697	$7,129,126	$906,930
2021	$4,007,823	$3,172,145	$6,134,471	$835,678
2020	$3,625,515	$2,938,462	$5,123,121	$687,053
2019	$3,141,615	$2,935,306	$4,469,018	$206,309
2018	$2,701,991	$2,916,165	$4,050,164	$-214,174

EMERALD COAST ASSOCIATION OF REALTORS INC