HARFORD CO ASSOC OF REALTORS INC (EIN 521009204) - 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

1962

Legal Domicile

Principal Officer

JULIE KING-SCHULTZ

Phone

4105690750

Tax Period

2023-10-01 to 2024-09-30

HARFORD CO ASSOC OF REALTORS INC, founded in 1962, is a community nonprofit that reported $1.1M in total revenue in fiscal year 2023. Revenue decreased 6% compared to the prior year. The organization ran a surplus of $256K, a strong 23% operating margin.

Mission

THE ASSOCIATION FUNCTIONS AS A TRADE ASSOCIATION TO EDUCATE AND INFORM ITS MEMBERS OF ETHICAL AND LEGAL ISSUES OF THE REAL ESTATE PROFESSION.

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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 (2023)

Revenue Breakdown

Contributions & Grants $165,116

Program Service Revenue $497,469

Investment Income $444,810

Other Revenue $2,124

TOTAL REVENUE $1,109,519

Expense Breakdown

Grants Paid $0

Salaries & Benefits $475,621

Fundraising Expenses $0

Program Expenses $640,630

Other Expenses $377,783

TOTAL EXPENSES $853,404

Year-over-Year Comparison

	2023	2022	Change
Revenue	$1,109,519	$1,183,430	-0.1%
Expenses	$853,404	$901,783	-0.1%
Net Income	$256,115	$281,647	-0.1%

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

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
LISA ST CLAIR-KIMMEY	DIRECTOR	1.00	Director	$0	$0	$0
ANN DAVIDSON	EX-OFFICIO D	1.00	Director	$0	$0	$0
JENNIFER HOYT	DIRECTOR	1.00	Director	$0	$0	$0
AMY JAHNIGEN	DIRECTOR	1.00	Director	$0	$0	$0
AZALEA JOHNSON-FOX	SECRETARY/TR	1.00	Director	$0	$0	$0
DENISE KENNEY	EX-OFFICIO D	1.00	Director	$0	$0	$0
TARA KUZMA-NASTEFF	DIRECTOR	1.00	Director	$0	$0	$0
ALTAVIA LITTLE	EX-OFFICIO D	1.00	Director	$0	$0	$0
JOSPEH NORMAN	DIRECTOR	1.00	Director	$0	$0	$0
PAULA DIGGS SMITH	PRESIDENT-EL	2.00	Director	$0	$0	$0
CRAIG STROBEL	DIRECTOR	1.00	Director	$0	$0	$0
CHRIS TRAPANI	VICE PRESIDE	1.00	Director	$0	$0	$0
SANDRA HOPKINS	IMMEDIATE PA	1.00	Officer	$0	$0	$0
JULIE KING-SCHULTZ	PRESIDENT	2.00	Officer	$0	$0	$0
VERONICA ROLOCUT	CHIEF EXEC O	2.00	Officer	$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	No data	No data	No data	No data
2024	$1,109,519	$853,404	$3,469,203	$256,115
2023	$1,183,430	$901,783	$3,219,196	$281,647
2022	$515,423	$774,208	$2,929,493	$-258,785
2021	$893,923	$612,080	$3,191,359	$281,843
2020	$778,962	$585,865	$2,938,449	$193,097
2019	$686,271	$548,309	$2,847,290	$137,962
2018	$755,506	$476,080	$2,599,210	$279,426

HARFORD CO ASSOC OF REALTORS INC