Key West Association of Realtors (EIN 591869382) - 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

1977

Legal Domicile

Principal Officer

Jaime Caballero

Phone

3052968259

Tax Period

2023-01-01 to 2023-12-31

Key West Association of Realtors, founded in 1977, is a small nonprofit that reported $592K in total revenue in fiscal year 2023. Expenses of $702K exceeded revenue, resulting in a 19% operating deficit.

Mission

Service and information to members concerning real estate

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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 $47,822

Program Service Revenue $609,552

Investment Income $890

Other Revenue $-66,179

TOTAL REVENUE $592,085

Expense Breakdown

Grants Paid $38,035

Salaries & Benefits $221,126

Fundraising Expenses $0

Program Expenses $571,708

Other Expenses $443,133

TOTAL EXPENSES $702,294

Year-over-Year Comparison

	2023	2022	Change
Revenue	$592,085	$550,390	+0.1%
Expenses	$702,294	$605,477	+0.2%
Net Income	$-110,209	$-55,087	+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

548

Independent Members

N/A

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
Logan Guevremont	Secretary	5.00	Officer	$0	$0	$0
Miriam Novotny	Treasurer	5.00	Officer	$0	$0	$0
Derek Epperly	President	5.00	Officer	$0	$0	$0
Darrin Smith	President Elect	5.00	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
2024	No data	No data	No data	No data
2023	$592,085	$702,294	$720,571	$-110,209
2022	$550,390	$605,477	$836,912	$-55,087
2021	$625,796	$505,117	$916,692	$120,679
2020	$525,613	$417,955	$802,739	$107,658
2019	$544,025	$488,198	$710,703	$55,827
2018	$478,531	$434,906	$589,762	$43,625

Key West Association of Realtors