SAGINAW BOARD OF REALTORS (EIN 380995944) - Form 990 Financial Analysis & Trantor Score

🔒

Financial Vulnerability Assessment (Tuckman-Chang)

4 risk indicators measuring financial stability and operational resilience

Sign in with your work email to view Tuckman-Chang indicators

Financial Trends

Organization Details

Formation Year

1911

Legal Domicile

Principal Officer

DIANE BEARSS

Phone

9897992885

Tax Period

2024-01-01 to 2024-12-31

SAGINAW BOARD OF REALTORS, founded in 1911, is a small nonprofit in the Community Improvement sector that reported $500K in total revenue in fiscal year 2024. The organization ran a surplus of $103K, a strong 21% operating margin.

Mission

TO PROVIDE MEMBERS WITH TOOLS, KNOWLEDGE AND SUPPORT

🔒

Trantor Score

Financial Health Score (300–850) · Liquidity · Solvency · Sustainability · Efficiency

Sign in to view Trantor Score and financial metrics

Liquidity (40%) • Solvency (30%) • Sustainability (20%) • Efficiency (10%)

Financial Overview (2024)

Revenue Breakdown

Contributions & Grants $459,773

Program Service Revenue $0

Investment Income $9,939

Other Revenue $29,951

TOTAL REVENUE $499,663

Expense Breakdown

Grants Paid $0

Salaries & Benefits $133,459

Fundraising Expenses $0

Program Expenses $396,197

Other Expenses $262,738

TOTAL EXPENSES $396,197

Year-over-Year Comparison

	2024	2023	Change
Revenue	$499,663	$517,796	0.0%
Expenses	$396,197	$361,271	+0.1%
Net Income	$103,466	$156,525	-0.3%

Key Indicators

✗ Grants to Organizations ✗ Grants to Individuals ✗ Lobbying ✗ Political Activity ✗ Foreign Activities ✗ Donor Advised Fund ✗ Schedule B Required

🔒

Financial Health Indicators

Comprehensive financial analysis: Altman Z-Score, liquidity, solvency, sustainability, efficiency, and growth metrics

Financial Distress Indicator

Liquidity & Cash Position

Sign in to view all financial metrics

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
DIANE BEARSS	PRESIDENT ELECT	Officer	$0	$0	$0
CONNIE REPPUHN	IMMEDIATE PAST PRESIDENT	Officer	$0	$0	$0
JOE KARPUK	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
LYNN MOORE	DIRECTOR	Officer	$0	$0	$0
DAN PARTLOW	AFFILIATE DIRECTOR	Officer	$0	$0	$0
LINDSEY NORTH	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
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

SAGINAW BOARD OF REALTORS