East Central Iowa Association of Realtors (EIN 420886657) - 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

1967

Legal Domicile

Principal Officer

TRACY DEMMER

Phone

5635565721

Tax Period

2025-01-01 to 2025-12-31

East Central Iowa Association of Realtors, founded in 1967, is a small nonprofit that reported $312K in total revenue in fiscal year 2025. Expenses of $275K left a modest 12% surplus.

Mission

PROVIDE UNIFIED MEDIUM FOR THOSE IN REAL ESTATE BUSINESS.

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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 $275,821

Program Service Revenue $0

Investment Income $12,923

Other Revenue $23,700

TOTAL REVENUE $312,444

Expense Breakdown

Grants Paid $0

Salaries & Benefits $114,883

Fundraising Expenses $0

Program Expenses $254,768

Other Expenses $160,349

TOTAL EXPENSES $275,232

Year-over-Year Comparison

	2025	2024	Change
Revenue	$312,444	$322,966	0.0%
Expenses	$275,232	$271,727	+0.0%
Net Income	$37,212	$51,239	-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

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
MELISSA GROTH	CEO	20.00		$91,466	$0	$91,466
TRACY DEMMER	President	1.00	Director	$0	$0	$0
KELLY KOHLHAAS	Treasurer	1.00	Director	$0	$0	$0
JAMIE BLAKE	Director	1.00	Director	$0	$0	$0
SHARON GAUL	Director	1.00	Director	$0	$0	$0
KIM ROUSH	Director	1.00	Director	$0	$0	$0
STEVE DAVIS	Director	1.00	Director	$0	$0	$0
ASHLEY COSSELMAN	Director	1.00	Director	$0	$0	$0
TINA PERRY	Director	1.00	Director	$0	$0	$0
TROY TIMMERMAN	Vice President	1.00	Director	$0	$0	$0
JARED LEVY	Director	1.00	Director	$0	$0	$0
TERRY MOZENA	Director	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
2025	$312,444	$275,232	$691,189	$37,212
2024	$322,966	$271,727	$606,605	$51,239
2023	$315,203	$262,481	$532,263	$52,722
2022	$299,951	$249,992	$471,355	$49,959
2021	$302,856	$229,224	$461,712	$73,632
2020	$252,599	$231,216	$388,007	$21,383
2019	$299,448	$261,892	$366,582	$37,556
2018	$228,042	$235,659	$330,677	$-7,617

East Central Iowa Association of Realtors