CROSSROADS ASSOCIATION OF REALTORS INC (EIN 351177924) - 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

BEVERLY ROBERTS

Phone

8123411094

Tax Period

2025-01-01 to 2025-12-31

CROSSROADS ASSOCIATION OF REALTORS INC, founded in 1970, is a small nonprofit that reported $190K in total revenue in fiscal year 2025. Revenue grew 9% year-over-year, indicating healthy expansion. Expenses of $181K left a modest 5% surplus.

Mission

ASSOCIATION OF REALTORS

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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 (2025)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $177,229

Investment Income $11,946

Other Revenue $1,200

TOTAL REVENUE $190,375

Expense Breakdown

Grants Paid $0

Salaries & Benefits $57,937

Fundraising Expenses $0

Other Expenses $123,420

TOTAL EXPENSES $181,357

Year-over-Year Comparison

	2025	2024	Change
Revenue	$190,375	$175,285	+0.1%
Expenses	$181,357	$193,885	-0.1%
Net Income	$9,018	$-18,600	-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

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

$56,437

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
JAYNE HEGE	ASSOCIATION	40.00	Officer	$40,477	$0	$40,477
LONI BRYANT	ASSOCIATION	40.00	Officer	$15,960	$0	$15,960
KERRI BENNETT	DIRECTOR	2.00	Director	$0	$0	$0
DANA CARSON	DIRECTOR	2.00	Director	$0	$0	$0
SARAH HAGER	PRESIDENT EL	5.00	Officer Director	$0	$0	$0
JENNIFER HILTON	TREASURER	5.00	Officer Director	$0	$0	$0
JEFF JEWETT	PRESIDENT	5.00	Officer Director	$0	$0	$0
JASON KAIN	DIRECTOR	2.00	Director	$0	$0	$0
CLARK OWENS	DIRECTOR	2.00	Director	$0	$0	$0
JESSCIA RISACHER	PAST PRESIDE	5.00	Director	$0	$0	$0
BEVERLY ROBERTS	SECRETARY	5.00	Director	$0	$0	$0
BETHANY RUST	DIRECTOR	2.00	Director	$0	$0	$0
JON SCHEIDT	DIRECTOR	2.00	Director	$0	$0	$0
TYLER STOCK	DIRECTOR	2.00	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
2025	$190,375	$181,357	$365,010	$9,018
2024	$175,285	$193,885	$349,460	$-18,600
2023	$191,531	$176,950	$371,918	$14,581
2022	$143,856	$131,609	$334,110	$12,247
2021	$146,267	$156,427	$299,179	$-10,160
2020	$150,597	$129,111	$341,520	$21,486
2019	$110,062	$153,852	$317,485	$-43,790

CROSSROADS ASSOCIATION OF REALTORS INC