BUILDERS ASSOCIATION OF NORTH CENTRAL FLORIDA INC (EIN 591444544) - 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

1973

Legal Domicile

Principal Officer

SARA EMMANUEL

Phone

3523725649

Tax Period

2024-01-01 to 2024-12-31

BUILDERS ASSOCIATION OF NORTH CENTRAL FLORIDA INC, founded in 1973, is a small nonprofit that reported $964K in total revenue in fiscal year 2024. Expenses of $887K left a modest 8% surplus.

Mission

THE BUILDERS ASSOCIATION OF NORTH CENTRAL FLORIDA (BANCF) REPRESENTS THE RESIDENTIAL AND COMMERCIAL BUILDING INDUSTRY, PROVIDES SERVICES FOR ALL MEMBERS, AND SUPPORTS THE FREEDOM TO OPERATE AS ENTREPRENEURS IN AN OPEN AND COMPETITIVE ENVIRONMENT. BANCF IS COMMITTED TO MAINTAINING THE HIGHEST STANDARDS OF QUALITY, INTEGRITY, AND PROFESSIONALISM WITHIN THE BUILDING INDUSTRY, WHILE PROMOTING THE CREATION OF DESIRABLE COMMUNITIES AND THE AMERICAN DREAM OF HOME OWNERSHIP.

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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 $3,085

Program Service Revenue $803,563

Investment Income $5,245

Other Revenue $151,782

TOTAL REVENUE $963,675

Expense Breakdown

Grants Paid $0

Salaries & Benefits $408,997

Fundraising Expenses $0

Other Expenses $477,742

TOTAL EXPENSES $886,739

Year-over-Year Comparison

	2024	2023	Change
Revenue	$963,675	$905,727	+0.1%
Expenses	$886,739	$835,935	+0.1%
Net Income	$76,936	$69,792	+0.1%

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

$103,036

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
JOHN JONES	IMMEDIATE PAST PRES	1.00	Director	$0	$0	$0
DON KELLOGG	PRESIDENT	3.00	Officer Director	$0	$0	$0
BRAD STUMPFF	PAST ASSOC VICE PRES	1.00	Director	$0	$0	$0
JASON CASON	ASSOCIATE VICE PRES	3.00	Officer Director	$0	$0	$0
FRED LESPERANCE	PRESIDENT ELECT	3.00	Officer Director	$0	$0	$0
SUSAN FISHER	ASSOCIATE VICE PRES ELECT	3.00	Officer Director	$0	$0	$0
MATT MARINO	2ND IMMEDIATE PAST PRES	1.00	Director	$0	$0	$0
STEVE BURROUGHS	DIRECTOR	1.00	Director	$0	$0	$0
KARA BOLTON	DIRECTOR	1.00	Director	$0	$0	$0
LISA RUTENBERG	DIRECTOR	1.00	Director	$0	$0	$0
JOE BURNS	DIRECTOR	1.00	Director	$0	$0	$0
IRA JUDDY CARTER	DIRECTOR	1.00	Director	$0	$0	$0
ROB EDMUNDS	DIRECTOR	1.00	Director	$0	$0	$0
WESLEY EMMANUEL	DIRECTOR	1.00	Director	$0	$0	$0
RYAN MCGRIFF	DIRECTOR	1.00	Director	$0	$0	$0
JAKE PLEIN	DIRECTOR	1.00	Director	$0	$0	$0
CHRIS TROWELL	DIRECTOR	1.00	Director	$0	$0	$0
SHELLEY VICKERS	DIRECTOR	1.00	Director	$0	$0	$0
CARLY WATERS	DIRECTOR	1.00	Director	$0	$0	$0
ERIK ANDERSON	DIRECTOR	1.00	Director	$0	$0	$0
AMBER BECKHAM	DIRECTOR	1.00	Director	$0	$0	$0
CRAIG BRASHIER	DIRECTOR	1.00	Director	$0	$0	$0
KEVIN BROWN	SECRETARY	3.00	Officer Director	$0	$0	$0
ANDREANA GRAHAM	DIRECTOR	1.00	Director	$0	$0	$0
LARRY HARTFIELD	DIRECTOR	1.00	Director	$0	$0	$0
MARK HURM	DIRECTOR	1.00	Director	$0	$0	$0
CHANCEY PADGETT	DIRECTOR	1.00	Director	$0	$0	$0
MARGARITA PURVIS	DIRECTOR	1.00	Director	$0	$0	$0
DJ SAMPLES	DIRECTOR	1.00	Director	$0	$0	$0
KIM WOLFMEYER	DIRECTOR	1.00	Director	$0	$0	$0
LUIS DIAZ	DIRECTOR	1.00	Director	$0	$0	$0
DAVID HILMAN	TREASURER	3.00	Officer Director	$0	$0	$0
DEBBY KNOPF	DIRECTOR	1.00	Director	$0	$0	$0
KEITH PERRY	DIRECTOR	1.00	Director	$0	$0	$0
JAY BROWN	DIRECTOR	1.00	Director	$0	$0	$0
ROB LASH	DIRECTOR	1.00	Director	$0	$0	$0
JOHN ROSCOW IV	BANCF ATTORNEY	1.00	Director	$0	$0	$0
BARRY RUTENBERG	DIRECTOR	1.00	Director	$0	$0	$0
ARLENE STEWART	DIRECTOR	1.00	Director	$0	$0	$0
BRYCE HARTLEY	DIRECTOR	1.00	Director	$0	$0	$0
CHRIS DECKER	DIRECTOR	1.00	Director	$0	$0	$0
IAN BROWN	DIRECTOR	1.00	Director	$0	$0	$0
JASON ROBINSON	DIRECTOR	1.00	Director	$0	$0	$0
MADI JOYNER	DIRECTOR	1.00	Director	$0	$0	$0
STEPHANIE SUTTON	DIRECTOR	1.00	Director	$0	$0	$0
TONEY SULLIVAN	DIRECTOR	1.00	Director	$0	$0	$0
SARA EMMANUEL	EXECUTIVE VICE PRES	40.00	Officer	$92,400	$10,636	$103,036

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	$963,675	$886,739	$885,318	$76,936
2023	$905,727	$835,935	$769,003	$69,792
2022	$810,902	$750,801	$705,716	$60,101
2021	$863,041	$722,493	$632,516	$140,548
2020	$707,302	$784,122	$517,497	$-76,820
2019	$854,745	$817,016	$600,316	$37,729
2018	$826,310	$793,160	$561,716	$33,150

BUILDERS ASSOCIATION OF NORTH CENTRAL FLORIDA INC