Whatcom County Association of Realtors (EIN 510140441) - 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

1980

Legal Domicile

Principal Officer

NICOLE TINGVALL

Phone

3606175477

Tax Period

2025-01-01 to 2025-12-31

Whatcom County Association of Realtors, founded in 1980, is a small nonprofit that reported $300K in total revenue in fiscal year 2025. Revenue fell 50% from the prior year — a significant decline worth monitoring. Net assets of $833K represent 33 months of operating reserves.

Mission

THE ASSOCIATION WAS ESTABLISHED TO SERVE ITS MEMBERS THROUGH CONTINUING EDUCATION PROGRAMS.

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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 $209,160

Program Service Revenue $0

Investment Income $1,864

Other Revenue $88,912

TOTAL REVENUE $299,936

Expense Breakdown

Grants Paid $18,250

Salaries & Benefits $187,725

Fundraising Expenses $0

Other Expenses $99,801

TOTAL EXPENSES $305,776

Year-over-Year Comparison

	2025	2024	Change
Revenue	$299,936	$601,708	-0.5%
Expenses	$305,776	$357,243	-0.1%
Net Income	$-5,840	$244,465	-1.0%

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
CHARLY MYERS	Director	1.00	Director	$0	$0	$0
JOELL BYRNES	Director	1.00	Director	$0	$0	$0
PAUL BALZOTTI	Director	1.00	Director	$0	$0	$0
PATRICK BYRNES	Director	1.00	Director	$0	$0	$0
RENATA MASON	Secretary	1.00	Officer Director	$0	$0	$0
NICOLE TINGVALL	President	1.00	Officer Director	$0	$0	$0
BECKY FARRAR	Treasurer	1.00	Officer Director	$0	$0	$0
NICK BERARD	Director	1.00	Director	$0	$0	$0
ANDI DYER	Director	1.00	Director	$0	$0	$0
MARY KAY ROBINSON	Director	1.00	Director	$0	$0	$0
LYNDSEY REIMER	Director	1.00	Director	$0	$0	$0
GABRIELLE BALOLIA	Director	1.00	Director	$0	$0	$0
R PERRY ESKRIDGE	Director	1.00	Director	$0	$0	$0
NICOLE ALLEN	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	$299,936	$305,776	$1,172,054	$-5,840
2024	$601,708	$357,243	$1,182,638	$244,465
2023	$315,137	$493,275	$777,220	$-178,138
2022	$322,599	$305,533	$891,675	$17,066
2021	$290,155	$219,561	$921,130	$70,594
2020	$356,601	$252,371	$794,602	$104,230
2019	$350,861	$293,469	$638,737	$57,392
2018	$355,368	$292,548	$588,654	$62,820

Whatcom County Association of Realtors