EASTERN THUMB ASSOCIATION OF REALTORS (EIN 386108081) - 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

1940

Legal Domicile

Principal Officer

HEATHER MILLS

Phone

8109826889

Tax Period

2025-01-01 to 2025-12-31

EASTERN THUMB ASSOCIATION OF REALTORS, founded in 1940, is a small nonprofit that reported $111K in total revenue in fiscal year 2025. Expenses of $106K left a modest 4% surplus.

Mission

BOARD OF REAL ESTATE PROFESSIONALS IN LOCAL AREA.

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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 $84,032

Program Service Revenue $0

Investment Income $11,791

Other Revenue $14,816

TOTAL REVENUE $110,639

Expense Breakdown

Grants Paid $4,000

Salaries & Benefits $22,346

Fundraising Expenses $0

Program Expenses $105,802

Other Expenses $79,456

TOTAL EXPENSES $105,802

Year-over-Year Comparison

	2025	2024	Change
Revenue	$110,639	$108,609	+0.0%
Expenses	$105,802	$113,526	-0.1%
Net Income	$4,837	$-4,917	-2.0%

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
ROBERT KHABBAZ	DIRECTOR	2.00	Director	$0	$0	$0
CYNTHIA DAVIS	SECRETARY/TREASURER	2.00	Director	$0	$0	$0
HEATHER MILLS	PRESIDENT	2.00	Officer Director	$0	$0	$0
LEIGH GRIMES	PAST PRESIDENT	2.00	Officer Director	$0	$0	$0
DANIELLE BOULIER	VICE PRESIDENT	2.00	Officer Director	$0	$0	$0
DEE PATSALIS	DIRECTOR	2.00	Director	$0	$0	$0
JOE SCHULTE	DIRECTOR	2.00	Director	$0	$0	$0
JAMIE SHERLOCK	DIRECTOR	2.00	Director	$0	$0	$0
DANIEL LOVELL	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	$110,639	$105,802	$359,024	$4,837
2024	$108,609	$113,526	$397,370	$-4,917
2023	$116,248	$123,980	$394,419	$-7,732
2022	$104,372	$96,578	$427,841	$7,794
2021	$93,331	$82,376	$407,194	$10,955
2020	$81,737	$53,159	$368,218	$28,578
2019	$108,082	$92,551	$323,354	$15,531
2018	$131,125	$73,673	$295,434	$57,452

EASTERN THUMB ASSOCIATION OF REALTORS