ST CLOUD AREA ASSOCIATION OF REALTORS INC (EIN 416040678) - 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

1958

Legal Domicile

Principal Officer

KELLY TRAVIS

Phone

3202537149

Tax Period

2024-01-01 to 2024-12-31

ST CLOUD AREA ASSOCIATION OF REALTORS INC, founded in 1958, is a small nonprofit that reported $191K in total revenue in fiscal year 2024. Revenue fell 21% from the prior year — a significant decline worth monitoring. Expenses of $183K left a modest 4% surplus.

Mission

TO SUPPORT MEMBERS BY BEING A LOCAL ADVOCATE FOR REALTORS AND STRENGTHENING REALTOR IMAGE IN THE COMMUNITY.

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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 $148,983

Investment Income $24,769

Other Revenue $17,143

TOTAL REVENUE $190,895

Expense Breakdown

Grants Paid $0

Salaries & Benefits $70,055

Fundraising Expenses $0

Program Expenses $180,370

Other Expenses $112,531

TOTAL EXPENSES $182,586

Year-over-Year Comparison

	2024	2023	Change
Revenue	$190,895	$240,930	-0.2%
Expenses	$182,586	$179,433	+0.0%
Net Income	$8,309	$61,497	-0.9%

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

$31,813

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
KELLY TRAVIS	EXECUTIVE DI	20.00	Director	$31,813	$0	$31,813
CHRISTINA CLIFTON	DIRECTOR 2	1.00	Director	$0	$0	$0
JANICE COOK	PRESIDENT	1.00	Officer Director	$0	$0	$0
JON DOLD	DIRECTOR 3	1.00	Director	$0	$0	$0
CARLA EIYNK	SECRETARY/TR	1.00	Officer Director	$0	$0	$0
KYLE HALLER	MLS PRESIDEN	1.00	Director	$0	$0	$0
MELISSA KOUBSKY	DIRECTOR 1	1.00	Director	$0	$0	$0
JASON MILLER	MNAR DIRECTO	1.00	Director	$0	$0	$0
SARAH NEU	DIRECTOR 4	1.00	Director	$0	$0	$0
DEBBIE NIEMEYER	PRESIDENT -E	1.00	Officer Director	$0	$0	$0
JACKIE PORORSKI	MNAR DIRECTO	1.00	Director	$0	$0	$0
MARY ELLEN RICHTER	IMMEDIATE PA	1.00	Officer Director	$0	$0	$0
JEREMY WESTHOFF	DIRECTOR 5	1.00	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
2024	$190,895	$182,586	$1,093,384	$8,309
2023	$240,930	$179,433	$1,094,696	$61,497
2022	$102,785	$196,701	$1,045,029	$-93,916
2021	$232,230	$167,533	$1,116,863	$64,697
2020	$200,468	$121,126	$1,021,622	$79,342
2019	$227,182	$147,423	$925,226	$79,759
2018	$140,928	$138,812	$873,739	$2,116

ST CLOUD AREA ASSOCIATION OF REALTORS INC