COASTAL ASSOCIATION OF REALTORS OF MARYL (EIN 526056325) - 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

1957

Legal Domicile

Principal Officer

BERNIE FLAX

Phone

4106414409

Tax Period

2024-01-01 to 2024-12-31

COASTAL ASSOCIATION OF REALTORS OF MARYL, founded in 1957, is a small nonprofit that reported $659K in total revenue in fiscal year 2024. Revenue decreased 10% compared to the prior year. Net assets of $2.7M represent 49 months of operating reserves.

Mission

TO PARTNER WITH ITS MEMBERS TO ENHANCE THEIR PROFESSIONALISM AND SUCCESS IN PROVIDING REAL ESTATE.

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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 $588,988

Investment Income $78,144

Other Revenue $-7,814

TOTAL REVENUE $659,318

Expense Breakdown

Grants Paid $0

Salaries & Benefits $388,211

Fundraising Expenses $56,886

Program Expenses $515,044

Other Expenses $286,547

TOTAL EXPENSES $674,758

Year-over-Year Comparison

	2024	2023	Change
Revenue	$659,318	$731,056	-0.1%
Expenses	$674,758	$606,909	+0.1%
Net Income	$-15,440	$124,147	-1.1%

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

182

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
BRIGIT TAYLOR	PRESIDENT	1.00	Officer Director	$0	$0	$0
LAUREN BUNTING	PRESIDENT - ELECT	1.00	Officer Director	$0	$0	$0
TERRENCE MCGOWAN	VICE PRESIDENT	1.00	Officer Director	$0	$0	$0
STEVE PARSONS	TREASURER	1.00	Officer Director	$0	$0	$0
VERONICA BISHOP	SECRETARY/TREASURER - ELEC	1.00	Officer Director	$0	$0	$0
AUSTIN WHITEHEAD	IMMEDIATE PAST PRESIDENT	1.00	Officer Director	$0	$0	$0
SUMMER FORBES	DIRECTOR	1.00	Director	$0	$0	$0
FRANCES STERLING	DIRECTOR	1.00	Director	$0	$0	$0
SUZANAH CAIN	DIRECTOR	1.00	Director	$0	$0	$0
KATE DECKENBACK	DIRECTOR	1.00	Director	$0	$0	$0
TIM ARNETT	DIRECTOR	1.00	Director	$0	$0	$0
DAVANNA YOUNG	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	No data	No data	No data	No data
2024	$659,318	$674,758	$3,165,018	$-15,440
2023	$731,056	$606,909	$3,089,952	$124,147
2022	$646,897	$512,431	$2,799,368	$134,466
2021	$626,163	$474,198	$2,937,029	$151,965
2020	$703,549	$432,578	$2,738,035	$270,971
2019	$810,393	$577,966	$2,337,750	$232,427
2018	$743,736	$580,528	$1,998,992	$163,208

COASTAL ASSOCIATION OF REALTORS OF MARYL