CENTRAL CAROLINA ASSOCIATION OF REALTORS INC (EIN 561353591) - 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

1970

Legal Domicile

Principal Officer

MORGAN HARPER

Phone

7047865512

Tax Period

2025-01-01 to 2025-12-31

CENTRAL CAROLINA ASSOCIATION OF REALTORS INC, founded in 1970, is a small nonprofit that reported $347K in total revenue in fiscal year 2025. The organization ran a surplus of $75K, a strong 22% operating margin.

Mission

EDUCATION OF REALTORS AND SUPPORT THEIR ACTIVITIES IN AND AROUND CABARRUS COUNTY, NC

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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 (2025)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $341,040

Investment Income $5,485

Other Revenue $0

TOTAL REVENUE $346,525

Expense Breakdown

Grants Paid $11,490

Salaries & Benefits $140,885

Fundraising Expenses $0

Other Expenses $118,946

TOTAL EXPENSES $271,321

Year-over-Year Comparison

	2025	2024	Change
Revenue	$346,525	$329,614	+0.1%
Expenses	$271,321	$300,532	-0.1%
Net Income	$75,204	$29,082	+1.6%

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
TONEY BLACK	DIRECTOR	N/A	Director	$0	$0	$0
MORGAN HARPER	EXECUTIVE DI	N/A	Director	$0	$0	$0
CRYSTAL KING	DIRECTOR	N/A	Director	$0	$0	$0
STEPHEN KNORR	DIRECTOR	N/A	Director	$0	$0	$0
CINDY LATON	DIRECTOR	N/A	Director	$0	$0	$0
MICHELLE RICHARDSON	DIRECTOR	N/A	Director	$0	$0	$0
MATT CHILTON	PRESIDENT EL	N/A	Officer	$0	$0	$0
CHRISTI GALLAHER	PRESIDENT	N/A	Officer	$0	$0	$0
KIM GANDY	SECRETARY	N/A	Officer	$0	$0	$0
DEANNE HANEY	PAST PRESIDE	N/A	Officer	$0	$0	$0
CINDY RYAN	TREASURER	N/A	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	$346,525	$271,321	$710,796	$75,204
2024	$329,614	$300,532	$635,510	$29,082
2023	$304,374	$276,302	$606,453	$28,072
2022	$242,926	$257,231	$578,373	$-14,305
2021	$304,363	$227,568	$592,656	$76,795
2020	$314,287	$213,271	$515,964	$101,016
2019	$338,869	$260,121	$417,197	$78,748
2018	$324,147	$265,922	$357,760	$58,225

CENTRAL CAROLINA ASSOCIATION OF REALTORS INC