THREE RIVERS ASSOCIATION OF REALTORS INC (EIN 362812883) - 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

1976

Legal Domicile

Principal Officer

AMANDA BURNS

Phone

8157444520

Tax Period

2024-10-01 to 2025-09-30

THREE RIVERS ASSOCIATION OF REALTORS INC, founded in 1976, is a small nonprofit that reported $711K in total revenue in fiscal year 2024. Revenue surged 38% from the prior year, signaling strong growth momentum. The organization ran a surplus of $214K, a strong 30% operating margin.

Mission

TO UNITE THOSE ENGAGED IN THE RECOGNIZED BRANCHES OF REAL ESTATE IN ORDER TO PROMOTE AND MAINTAIN HIGH STANDARDS OF CONDUCT IN THE REAL ESTATE PROFESSION AND TO FURTHER THE INTEREST OF HOME AND OTHER REAL ESTATE OWNERSHIP.

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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 $0

Program Service Revenue $241,220

Investment Income $280,559

Other Revenue $188,821

TOTAL REVENUE $710,600

Expense Breakdown

Grants Paid $0

Salaries & Benefits $241,138

Fundraising Expenses $0

Other Expenses $255,212

TOTAL EXPENSES $496,350

Year-over-Year Comparison

	2024	2023	Change
Revenue	$710,600	$516,767	+0.4%
Expenses	$496,350	$534,028	-0.1%
Net Income	$214,250	$-17,261	-13.4%

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

$105,500

Total Directors

$2,500

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
AMANDA BURNS	C.E.O	40.00	Officer	$103,000	$0	$103,000
RENEE BILLS	PAST PRESIDE	10.00	Officer Director	$2,500	$0	$2,500
BRIAN BESSLER	DIRECTOR	5.00	Director	$0	$0	$0
LORI BONAREK	DIRECTOR	5.00	Director	$0	$0	$0
JENNIFER CHRISTOPHER	DIRECTOR	5.00	Director	$0	$0	$0
LORI GILMORE	DIRECTOR	5.00	Director	$0	$0	$0
LINDSAY HAZDRA	TREASURER	10.00	Officer Director	$0	$0	$0
ULISES HULTRON	DIRECTOR	5.00	Director	$0	$0	$0
THOMAS MULVEY	DIRECTOR	5.00	Director	$0	$0	$0
MINDY RAMPA	DIRECTOR	5.00	Director	$0	$0	$0
ANN SCHULER	DIRECTOR	5.00	Director	$0	$0	$0
ASHLEY SHULMAN	DIRECTOR	5.00	Director	$0	$0	$0
NANCY VALLEE	PRESIDENT EL	10.00	Officer Director	$0	$0	$0
JENNIFER VIANO	PRESIDENT	15.00	Officer 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	$710,600	$496,350	$690,648	$214,250
2024	$516,767	$534,028	$487,161	$-17,261
2023	$460,114	$447,760	$508,062	$12,354
2022	$551,491	$609,030	$484,020	$-57,539
2021	$482,452	$485,170	$614,208	$-2,718
2020	$423,271	$467,393	$612,074	$-44,122

THREE RIVERS ASSOCIATION OF REALTORS INC