CHEROKEE ASSOCIATION OF REALTORS INC (EIN 581446278) - 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

1980

Legal Domicile

Principal Officer

KAREN CUNNINGHAM

Tax Period

2025-01-01 to 2025-12-31

CHEROKEE ASSOCIATION OF REALTORS INC, founded in 1980, is a small nonprofit that reported $445K in total revenue in fiscal year 2025. Revenue fell 47% from the prior year — a significant decline worth monitoring. Net assets of $977K represent 26 months of operating reserves.

Mission

WE ARE THE REALTORS OF CHEROKEE COUNTY. AS LEADERS, EDUCATORS AND ADVOCATES, CAOR MEMBERS SERVE OUR COMMUNITIES, PROTECT PRIVATE PROPERTY RIGHTS, AND ELEVATE OUR PROFESSION.

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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 $305,359

Program Service Revenue $97,752

Investment Income $41,277

Other Revenue $661

TOTAL REVENUE $445,049

Expense Breakdown

Grants Paid $21,751

Salaries & Benefits $187,931

Fundraising Expenses $0

Program Expenses $353,724

Other Expenses $243,724

TOTAL EXPENSES $453,406

Year-over-Year Comparison

	2025	2024	Change
Revenue	$445,049	$836,530	-0.5%
Expenses	$453,406	$448,847	+0.0%
Net Income	$-8,357	$387,683	-1.0%

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
MIKE STOTT	IMMEDIATE PAST PRES	005.00	Officer Director	$0	$0	$0
CAMMIE STRICKLAND	PRESIDENT ELECT	003.00	Officer Director	$0	$0	$0
DIANNA HORNES	PRESIDENT	005.00	Officer Director	$0	$0	$0
JENN KANDT	TREASURER	003.00	Officer Director	$0	$0	$0
CLINT SETSER	VP MEMBER SERVICES	003.00	Officer Director	$0	$0	$0
JIMMY PAYNE	VP GOVT SERVICES	003.00	Officer Director	$0	$0	$0
ANDRA TURNER	DIRECTOR	001.00	Director	$0	$0	$0
PAIGE BLAND-THOMPSON	DIRECTOR	001.00	Director	$0	$0	$0
JENNIFER BOHRER	DIRECTOR	001.00	Director	$0	$0	$0
CAMILLE GARD	DIRECTOR	001.00	Director	$0	$0	$0
ELIZABETH MARTIN	DIRECTOR	001.00	Director	$0	$0	$0
YESSICA ETCHEBARNE-FLORES	DIRECTOR	001.00	Director	$0	$0	$0
KAREN LANCE	DIRECTOR	001.00	Director	$0	$0	$0
NATALIA HUNTER	DIRECTOR	001.00	Director	$0	$0	$0
MIKE PENNINGTON	DIRECTOR	001.00	Director	$0	$0	$0
JULIE LILLQUIST	DIRECTOR	001.00	Director	$0	$0	$0
SHAWNA BENOIT	DIRECTOR	001.00	Director	$0	$0	$0
SUSI O'CONNER	DIRECTOR	001.00	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	$445,049	$453,406	$1,210,606	$-8,357
2024	$836,530	$448,847	$1,223,623	$387,683
2023	$373,505	$371,117	$838,728	$2,388
2022	$372,519	$374,705	$773,402	$-2,186
2021	$443,516	$311,878	$873,226	$131,638
2020	$334,653	$298,880	$959,903	$35,773
2019	$387,225	$330,241	$980,237	$56,984
2018	$355,013	$316,803	$941,872	$38,210

CHEROKEE ASSOCIATION OF REALTORS INC