BAY AREA ASSOCIATION OF REALTORS INC (EIN 521255930) - 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

1992

Legal Domicile

Principal Officer

KEVIN WATERMAN

Phone

4432493442

Tax Period

2024-11-01 to 2025-10-31

BAY AREA ASSOCIATION OF REALTORS INC, founded in 1992, is a small nonprofit that reported $184K in total revenue in fiscal year 2024. Revenue decreased 6% compared to the prior year. Expenses of $222K exceeded revenue, resulting in a 21% operating deficit.

Mission

ORGANIZATION PROVIDES CONTINUING EDUCATION AND REQUIRES ADHERENCE TO INDUSTRY STANDARDS FOR THE PURPOSE OF INFORMING AND SERVICING REAL ESTATE BUYERS IN THE BEST POSSIBLE MANNER

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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 $109,354

Program Service Revenue $60,821

Investment Income $1,241

Other Revenue $12,684

TOTAL REVENUE $184,100

Expense Breakdown

Grants Paid $0

Salaries & Benefits $95,076

Fundraising Expenses $0

Other Expenses $127,189

TOTAL EXPENSES $222,265

Year-over-Year Comparison

	2024	2023	Change
Revenue	$184,100	$194,996	-0.1%
Expenses	$222,265	$172,261	+0.3%
Net Income	$-38,165	$22,735	-2.7%

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
KEVIN WATERMAN	PRESIDENT	6.00	Officer Director	$0	$0	$0
LINDA AUSTIN	PAST PRESIDE	6.00	Officer Director	$0	$0	$0
KEN RODERICK	VICE-PRESIDE	6.00	Officer Director	$0	$0	$0
MATT HOGANS	TREASURER	6.00	Officer Director	$0	$0	$0
BIANA ARENTZ	DIRECTOR	2.00	Director	$0	$0	$0
AMY LARRAURI	DIRECTOR	2.00	Director	$0	$0	$0
SUSAN HITT	DIRECTOR	2.00	Director	$0	$0	$0
JILL RUDIGER	DIRECTOR	2.00	Director	$0	$0	$0
CHERLY HURT	DIRECTOR	2.00	Director	$0	$0	$0
CECIL REIHL	DIRECTOR	2.00	Director	$0	$0	$0
THOMAS RICHARDSON	DIRECTOR	2.00	Director	$0	$0	$0
CHESSIE KNAPP	DIRECTOR	2.00	Director	$0	$0	$0
BARBARA WHALEY	DIRECTOR	2.00	Director	$0	$0	$0
MARY JAMESON	DIRECTOR	2.00	Director	$0	$0	$0
KATHLEEN HIGGINBOTHAM	DIRECTOR	2.00	Director	$0	$0	$0
TRICIA WILSON	DIRECTOR	2.00	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	$184,100	$222,265	$1,166,782	$-38,165
2024	$194,996	$172,261	$1,213,740	$22,735
2023	$129,240	$177,025	$1,209,702	$-47,785
2022	$291,834	$132,828	$1,270,874	$159,006
2021	$128,691	$60,934	$1,154,819	$67,757
2019	$214,945	$192,735	$1,077,177	$22,210
2018	$218,077	$283,654	$631,661	$-65,577

BAY AREA ASSOCIATION OF REALTORS INC