SAGINAW BOARD OF REALTORS

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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

1911

Legal Domicile

Principal Officer

LINDSEY FLYNN

Phone

9897992885

Tax Period

2025-01-01 to 2025-12-31

SAGINAW BOARD OF REALTORS, founded in 1911, is a small nonprofit in the Community Improvement sector that reported $544K in total revenue in fiscal year 2025. Revenue grew 9% year-over-year, indicating healthy expansion. The organization ran a surplus of $117K, a strong 21% operating margin.

Mission

TO PROVIDE MEMBERS WITH TOOLS, KNOWLEDGE AND SUPPORT

Program Service Accomplishments

Program 1

Expenses: $426,937 Revenue: $477,333

PROVIDE MEMBERS WITH TOOLS NECESSARY TO ACCOMPLISH DUTIES

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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 $477,333

Program Service Revenue $0

Investment Income $24,156

Other Revenue $42,302

TOTAL REVENUE $543,791

Expense Breakdown

Grants Paid $0

Salaries & Benefits $134,534

Fundraising Expenses $0

Program Expenses $426,937

Other Expenses $292,403

TOTAL EXPENSES $426,937

Year-over-Year Comparison

	2025	2024	Change
Revenue	$543,791	$499,663	+0.1%
Expenses	$426,937	$396,197	+0.1%
Net Income	$116,854	$103,466	+0.1%

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

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Role	Reportable Comp	Other Comp	Total
LINDSEY FLYNN	PRESIDENT ELECT	Officer	$0	$0	$0
JOE KARPUK	IMMEDIATE PAST PRESIDENT	Officer	$0	$0	$0
DIANE BEARSS	PRESIDENT	Officer	$0	$0	$0
SONNY CHERRY	DIRECTOR	Officer	$0	$0	$0
ABBY ENSZER	DIRECTOR	Officer	$0	$0	$0
DIANA BAY	DIRECTOR	Officer	$0	$0	$0
ASHLEY BAYNHAM	DIRECTOR	Officer	$0	$0	$0
VICKI WHITE	DIRECTOR	Officer	$0	$0	$0
JODIE BOW	DIRECTOR	Officer	$0	$0	$0
ROBB LEONARD	DIRECTOR	Officer	$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	$543,791	$426,937	$1,682,055	$116,854
2024	$499,663	$396,197	$1,567,571	$103,466
2023	$517,796	$361,271	$1,453,112	$156,525
2022	$467,167	$315,846	$1,275,929	$151,321
2021	$442,124	$288,452	$1,120,109	$153,672
2020	$383,909	$259,873	$955,321	$124,036
2019	$373,172	$249,166	$885,147	$124,006
2018	$348,313	$241,518	$769,176	$106,795