CAMDENCHARLTON COUNTY BOARD OF REALTORS (EIN 581875997) - 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

1990

Legal Domicile

Principal Officer

NICOLE READDICK

Phone

9128825806

Tax Period

2023-07-01 to 2024-06-30

CAMDENCHARLTON COUNTY BOARD OF REALTORS, founded in 1990, is a small nonprofit in the Community Improvement sector that reported $151K in total revenue in fiscal year 2023. Revenue surged 23% from the prior year, signaling strong growth momentum. The organization ran a surplus of $46K, a strong 30% operating margin.

Mission

THE CAMDEN/CHARLTON COUNTY BOARD OF REALTORS IS A PROFESSIONAL MEMBER SERVICES ASSOCIATION. THE BOARD WAS ESTABLISHED TO SERVE AS THE REALTORS' ADVOCATE AND SERVE THE COMMUNITY. WE PROMOTE AND MAINTAIN THE HIGH STANARDS OF CONDUCT FOR THE REAL ESTATE PROFESSION AS EXPRESSED IN THE CODE OF ETHICS OF THE NATIONAL AASSOCIATION 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 (2023)

Revenue Breakdown

Contributions & Grants $112,286

Program Service Revenue $8,586

Investment Income $23

Other Revenue $30,146

TOTAL REVENUE $151,041

Expense Breakdown

Grants Paid $0

Salaries & Benefits $30,362

Fundraising Expenses $7,860

Program Expenses $81,330

Other Expenses $75,099

TOTAL EXPENSES $105,461

Year-over-Year Comparison

	2023	2022	Change
Revenue	$151,041	$123,103	+0.2%
Expenses	$105,461	$106,618	0.0%
Net Income	$45,580	$16,485	+1.8%

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

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
NICOLE READDICK	PRESIDENT	1.00	Officer Director	$0	$0	$0
DEBBIE TREY	PRESIDENT-ELECT	1.00	Officer Director	$0	$0	$0
SARAH WOOD	VICE PRESIDENT	1.00	Officer Director	$0	$0	$0
SHANNON ROSE	SECRETARY	1.00	Officer Director	$0	$0	$0
CURTIS RENFROW	TREASURER	1.00	Director	$0	$0	$0
JOY COOPER	STATE DIRECTOR	1.00	Director	$0	$0	$0
JACKIE FRYE	LOCAL DIRECTOR	1.00	Director	$0	$0	$0
VALERIE ELLERS	LOCAL DIRECTOR	1.00	Director	$0	$0	$0
LORI BUTTICH	LOCAL DIRECTOR	1.00	Director	$0	$0	$0
JOSH PROCTOR	LOCAL DIRECTOR	1.00	Director	$0	$0	$0
HAYLEY JOHNSTON	LOCAL 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	$151,041	$105,461	$379,437	$45,580
2023	$123,103	$106,618	$345,744	$16,485
2022	$150,470	$124,931	$326,286	$25,539
2021	$131,012	$106,990	$311,060	$24,022

CAMDENCHARLTON COUNTY BOARD OF REALTORS