MASSANUTTEN ASSOCIATION OF REALTORS INC (EIN 541255935) - Form 990 Financial Analysis & Trantor Score

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Tuckman-Chang Vulnerability Assessment

4 risk indicators measuring financial stability and operational resilience

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Financial Trends

Organization Details

Formation Year

1977

Legal Domicile

Phone

5404592937

Tax Period

2024-01-01 to 2024-12-31

MASSANUTTEN ASSOCIATION OF REALTORS INC, founded in 1977, is a small nonprofit that reported $109K in total revenue in fiscal year 2018. Revenue fell 58% from the prior year — a significant decline worth monitoring. Expenses of $153K exceeded revenue, resulting in a 40% operating deficit.

Mission

PROVIDE ORGANIZATION SUPPORT AND ADVERTISING FOR LOCAL REAL ESTATE AGENTS AND BROKERS.

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Trantor Score

Financial Health & Payment Capacity Assessment (FICO Scale: 300–850)

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Liquidity (40%) • Solvency (30%) • Sustainability (20%) • Efficiency (10%)

Financial Overview (2024)

Revenue Breakdown

Contributions & Grants $93,881

Program Service Revenue $92,634

Investment Income $9,402

Other Revenue $-1,391

TOTAL REVENUE $194,526

Expense Breakdown

Grants Paid $0

Salaries & Benefits $45,442

Fundraising Expenses $0

Other Expenses $124,781

TOTAL EXPENSES $170,223

Year-over-Year Comparison

	2024	2023	Change
Revenue	$194,526	$140,762	+0.4%
Expenses	$170,223	$130,645	+0.3%
Net Income	$24,303	$10,117	+1.4%

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
AMBER FLECK	PRESIDENT	000.50	Officer Director	$0	$0	$0
KELLI WALKER	PAST PRESIDENT	001.00	Officer Director	$0	$0	$0
SHEILA HALL	TREASURER	001.00	Officer Director	$0	$0	$0
SHEILA HALL	SECRETARY	000.50	Officer Director	$0	$0	$0
BRENDA STAMAND	1 YR DIRECTOR	000.50	Director	$0	$0	$0
MICHELLE JEWEL	EXEC OFFICER	002.00	Director Key Emp Highest	$0	$0	$0
CAMRYN JEREMIAH SANTMYERS	PRESIDENT ELECT	000.50	Officer Director	$0	$0	$0
GRACE HITT	3 YR DIRECTOR	000.50	Director	$0	$0	$0
CHADWICK KIMBLE	2 YR DIRECTOR	000.50	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
2024	$194,526	$170,223	$387,889	$24,303
2023	$140,762	$130,645	$296,181	$10,117
2022	$159,680	$123,041	$320,797	$36,639
2021	$120,103	$107,778	$308,049	$12,325
2020	$111,850	$123,580	$285,399	$-11,730
2019	$130,062	$144,246	$312,182	$-14,184
2018	$109,434	$153,206	$330,403	$-43,772

MASSANUTTEN ASSOCIATION OF REALTORS INC