UPPER PENINSULA ASSOC OF REALTORS INC (EIN 382377126) - 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

1946

Legal Domicile

Principal Officer

CARRIE TORETTA-PARTELLO

Phone

9062284870

Tax Period

2023-01-01 to 2023-12-31

UPPER PENINSULA ASSOC OF REALTORS INC, founded in 1946, is a small nonprofit in the Community Improvement sector that reported $634K in total revenue in fiscal year 2023. Expenses of $597K left a modest 6% surplus.

Mission

UNTIE THOSE ENGAGED IN THE RECOGNIZED BRANCHES OF THE REAL ESTATE PROFESSION.

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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 (2023)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $616,684

Investment Income $9,727

Other Revenue $7,883

TOTAL REVENUE $634,294

Expense Breakdown

Grants Paid $0

Salaries & Benefits $228,884

Fundraising Expenses $0

Program Expenses $537,184

Other Expenses $368,490

TOTAL EXPENSES $597,374

Year-over-Year Comparison

	2023	2022	Change
Revenue	$634,294	$613,690	+0.0%
Expenses	$597,374	$519,377	+0.2%
Net Income	$36,920	$94,313	-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

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	Hours/Week	Role	Reportable Comp	Other Comp	Total
CYNTHIA SPAFFORD	EXECUTIVE DIRECTOR	040.00	Highest	$110,973	$4,787	$115,760
CHRISTOPHER GERMAIN	PAST PRESIDENT	001.00	Director	$0	$0	$0
BRADLEY ARGALL	DIRECTOR	001.00	Director	$0	$0	$0
ANDREA COUVILLION	DIRECTOR	001.00	Director	$0	$0	$0
N/A	DIRECTOR	001.00	Director	$0	$0	$0
NICOLLETTE HANSON	DIRECTOR	001.00	Director	$0	$0	$0
FAITH NEWBERRY	DIRECTOR	001.00	Director	$0	$0	$0
BETSY SAWICKY	DIRECTOR	001.00	Director	$0	$0	$0
CARRIE TORETTA-PARTELLO	PRESIDENT	001.00	Officer	$0	$0	$0
BEN ARGALL	PRESIDENT ELECT	001.00	Officer	$0	$0	$0
STEPHANIE JONES	SECRETARY/TREASURER	001.00	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	No data	No data	No data	No data
2023	$634,294	$597,374	$863,282	$36,920
2022	$613,690	$519,377	$812,232	$94,313
2021	$611,820	$518,815	$739,672	$93,005
2020	$547,788	$506,885	$816,352	$40,903
2019	$550,125	$485,159	$765,448	$64,966
2018	$627,982	$504,405	$685,714	$123,577

UPPER PENINSULA ASSOC OF REALTORS INC