NORTHWEST IOWA REGIONAL BOARD OF REALTOR (EIN 420527669) - 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

1908

Legal Domicile

Principal Officer

DENISE GUTIEREZ

Phone

7122558810

Tax Period

2024-10-01 to 2025-09-30

NORTHWEST IOWA REGIONAL BOARD OF REALTOR, founded in 1908, is a small nonprofit that reported $589K in total revenue in fiscal year 2024. The organization ran a surplus of $97K, a strong 16% operating margin.

Mission

SEE BELOW

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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 $447,282

Investment Income $53,064

Other Revenue $88,365

TOTAL REVENUE $588,711

Expense Breakdown

Grants Paid $0

Salaries & Benefits $154,154

Fundraising Expenses $0

Other Expenses $337,686

TOTAL EXPENSES $491,840

Year-over-Year Comparison

	2024	2023	Change
Revenue	$588,711	$560,389	+0.1%
Expenses	$491,840	$486,208	+0.0%
Net Income	$96,871	$74,181	+0.3%

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

496

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

$68,625

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
MISTY SZCZECH	EX OFFICIO	1.00	Director	$0	$0	$0
CHRISTY CONRAD	PRESIDENT	1.00	Officer Director	$0	$0	$0
JENNIFER JANSEN	DIRECTOR	1.00	Director	$0	$0	$0
KATIE SLATER	DIRECTOR	1.00	Director	$0	$0	$0
MARK VOS	DIRECTOR	1.00	Director	$0	$0	$0
KYLIE PETTY	DIRECTOR	1.00	Director	$0	$0	$0
CHRIS DELFS	VICE PRESIDENT	1.00	Director	$0	$0	$0
JEFF CARLSON	DIRECTOR	1.00	Director	$0	$0	$0
COREY ELGERSMA	DIRECTOR	1.00	Director	$0	$0	$0
JOE KRAGE	DIRECTOR	1.00	Director	$0	$0	$0
ERIC HOAK	DIRECTOR	1.00	Director	$0	$0	$0
DENISE GUTIERREZ	EXECUTIVE DIRECTOR	40.00	Officer	$68,625	$0	$68,625

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	$588,711	$491,840	$1,290,500	$96,871
2024	$560,389	$486,208	$1,159,279	$74,181
2023	$525,649	$492,118	$987,779	$33,531
2022	$454,945	$471,992	$902,363	$-17,047
2021	$475,252	$450,447	$1,046,650	$24,805
2020	$448,465	$421,897	$947,730	$26,568
2019	$425,111	$411,477	$937,096	$13,634
2018	$396,792	$383,015	$934,230	$13,777

NORTHWEST IOWA REGIONAL BOARD OF REALTOR