CATAWBA VALLEY ASSOCIATION OF REALTORS INC (EIN 561030856) - 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

1972

Legal Domicile

Principal Officer

ELIZABETH HENSLEY

Phone

8283228249

Tax Period

2024-01-01 to 2024-12-31

CATAWBA VALLEY ASSOCIATION OF REALTORS INC, founded in 1972, is a small nonprofit that reported $322K in total revenue in fiscal year 2024. Revenue surged 53% from the prior year, signaling strong growth momentum. Expenses of $296K left a modest 8% surplus.

Mission

REAL ESTATE BOARD OF REALTORS

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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 $253,251

Investment Income $65,412

Other Revenue $3,752

TOTAL REVENUE $322,415

Expense Breakdown

Grants Paid $0

Salaries & Benefits $115,581

Fundraising Expenses $0

Program Expenses $74,864

Other Expenses $180,229

TOTAL EXPENSES $295,810

Year-over-Year Comparison

	2024	2023	Change
Revenue	$322,415	$210,583	+0.5%
Expenses	$295,810	$328,304	-0.1%
Net Income	$26,605	$-117,721	-1.2%

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

N/A

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

$68,500

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
EMILY WOOD	PAST PRESIDENT	0.25	Director	$0	$0	$0
GINA JENKINS	SECRETARY/TREASURER	0.25	Director	$0	$0	$0
NIKA WERNER	DIRECTOR	0.25	Director	$0	$0	$0
KARLETA SMITH	PRESIDENT	0.25	Director	$0	$0	$0
JUDI WEST	DIRECTOR	0.25	Director	$0	$0	$0
DAWN KILBY	PRESIDENT ELECT	0.25	Director	$0	$0	$0
NATALIE ARMSTRONG	DIRECTOR	0.25	Director	$0	$0	$0
LISA STARNES	DIRECTOR	0.25	Director	$0	$0	$0
ELIZABETH HENSLEY	EXECUTIVE DIRECTOR	20.00	Director	$68,500	$0	$68,500
JANELLE GIBBS	DIRECTOR	0.25	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	$322,415	$295,810	$1,866,325	$26,605
2023	$210,583	$328,304	$1,834,473	$-117,721
2022	$245,694	$210,575	$1,833,536	$35,119
2021	$484,527	$349,798	$1,727,375	$134,729
2021	$403,419	$139,434	$2,002,250	$263,985

CATAWBA VALLEY ASSOCIATION OF REALTORS INC