MARATHON AND LOWER KEYS ASSOCIATION OF REALTORS INC (EIN 592043579) - 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

STEPHANY DUVALL

Phone

3057432485

Tax Period

2024-01-01 to 2024-12-31

MARATHON AND LOWER KEYS ASSOCIATION OF REALTORS INC, founded in 1977, is a small nonprofit in the Community Improvement sector that reported $497K in total revenue in fiscal year 2024. Revenue decreased 18% compared to the prior year.

Mission

TO PROVIDE MULTIPLE LISTING SERVICE ACCESS, EDUCATION AND RESOURCE OPPORTUNITIES, AND CHARITABLE OUTREACH GIVING ITS MEMBERS A VOICE FOR PROTECTING PROPERTY RIGHTS AND HOMEOWNERSHIP FOR ALL.

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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 $123,014

Program Service Revenue $331,932

Investment Income $42,239

Other Revenue $0

TOTAL REVENUE $497,185

Expense Breakdown

Grants Paid $0

Salaries & Benefits $210,027

Fundraising Expenses $0

Other Expenses $299,505

TOTAL EXPENSES $509,532

Year-over-Year Comparison

	2024	2023	Change
Revenue	$497,185	$603,666	-0.2%
Expenses	$509,532	$583,227	-0.1%
Net Income	$-12,347	$20,439	-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
STEPHANY DUVALL	TREASURER	N/A	Officer	$0	$0	$0
CRYSTAL GUTIERREZ	PRESIDENT-EL	N/A	Officer	$0	$0	$0
MILLY PEREZ	SECRETARY	N/A	Officer	$0	$0	$0
LYNNY THOMPSON	PRESIDENT	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
2024	$497,185	$509,532	$628,601	$-12,347
2024	No data	No data	No data	No data
2023	$535,136	$583,227	$662,119	$-48,091
2023	$603,666	$583,227	$730,643	$20,439
2022	$463,447	$488,786	$738,922	$-25,339
2022	$71,316	$4,375	$814,595	$66,941
2021	$612,684	$543,047	$743,082	$69,637
2020	$403,693	$360,097	$658,686	$43,596
2019	$526,133	$438,853	$619,445	$87,280

MARATHON AND LOWER KEYS ASSOCIATION OF REALTORS INC