WEST VIRGINIA REALTORS RELIEF FUND INC (EIN 320237590) - 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

2007

Legal Domicile

Principal Officer

RAYMOND JOSEPH

Phone

3046427600

Tax Period

2024-01-01 to 2024-12-31

WEST VIRGINIA REALTORS RELIEF FUND INC, founded in 2007, is a micro nonprofit in the Human Services sector that reported $37K in total revenue in fiscal year 2024. Revenue fell 23% from the prior year — a significant decline worth monitoring. The organization ran a surplus of $13K, a strong 33% operating margin.

Mission

THE ORGANIZATION'S PURPOSE IS DEDICATED TO RELIEVING THE SUFFERING DUE TO UNFORESEEN HARDSHIPS OF THE MEMBERS, INCLUDING DISASTER RELIEF, URGENT HEALTH AND SHELTER NEEDS, FUNERAL EXPENSES, UNFORSEEN FAMILY EMERGENCIES, AND EDUCATIONAL SCHOLARSHIPS.

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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 $37,461

Program Service Revenue $0

Investment Income $0

Other Revenue $0

TOTAL REVENUE $37,461

Expense Breakdown

Grants Paid $21,500

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $24,928

Other Expenses $3,428

TOTAL EXPENSES $24,928

Year-over-Year Comparison

	2024	2023	Change
Revenue	$37,461	$48,426	-0.2%
Expenses	$24,928	$19,676	+0.3%
Net Income	$12,533	$28,750	-0.6%

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

N/A

Volunteers

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

$220,602

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
PAIGE POWERS	DIRECTOR	1.00	Director	$0	$0	$0
DELILAH KENNEN	DIRECTOR	1.00	Director	$0	$0	$0
GLENNA SWIGER	DIRECTOR	1.00	Director	$0	$0	$0
ALISA JACKSON	DIRECTOR	1.00	Director	$0	$0	$0
CHRISTA VANCE	DIRECTOR	1.00	Director	$0	$0	$0
JILL ALLMAN	DIRECTOR	1.00	Director	$0	$0	$0
RAYMOND JOSEPH	CEO	1.00	Officer	$0	$0	$220,602

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	$37,461	$24,928	$181,879	$12,533
2023	$48,426	$19,676	$153,486	$28,750
2022	$54,794	$25,855	$128,186	$28,939
2021	$69,030	$14,271	$108,217	$54,759
2020	$8,534	$18,201	$46,203	$-9,667
2019	$10,758	$8,148	$51,980	$2,610
2018	$4,347	$6,993	$48,095	$-2,646

WEST VIRGINIA REALTORS RELIEF FUND INC