OCALAMARION CTY ASSOCIATION OF REALTORS INC (EIN 596159045) - 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

Principal Officer

AMY JO LORD

Phone

3526297077

Tax Period

2025-01-01 to 2025-12-31

OCALAMARION CTY ASSOCIATION OF REALTORS INC is a community nonprofit that reported $1.1M in total revenue in fiscal year 2025. The organization ran a surplus of $405K, a strong 36% operating margin.

Mission

MEMBERSHIP DUES ENABLE THE ORGANIZATION TO FUNCTION AS A GROUP AND TO PROVIDE EDUCATION AND SERVICES TO ITS MEMBERS.

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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 $0

Program Service Revenue $897,921

Investment Income $249,696

Other Revenue $-17,842

TOTAL REVENUE $1,129,775

Expense Breakdown

Grants Paid $0

Salaries & Benefits $274,924

Fundraising Expenses $0

Other Expenses $449,855

TOTAL EXPENSES $724,779

Year-over-Year Comparison

	2025	2024	Change
Revenue	$1,129,775	$1,066,150	+0.1%
Expenses	$724,779	$668,764	+0.1%
Net Income	$404,996	$397,386	+0.0%

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
AMY JO LORD	PRESIDENT	N/A	Officer Director	$0	$0	$0
CARLA LORD	PRESIDENT EL	N/A	Officer Director	$0	$0	$0
GREGORY LORD	DIRECTOR	N/A	Director	$0	$0	$0
JEANNE RITT	VICE PRESIDE	N/A	Officer Director	$0	$0	$0
STEVE RUDNIANYN	DIRECTOR	N/A	Director	$0	$0	$0
ANTHONY WHITE	SECRETARY TR	N/A	Officer 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	$1,129,775	$724,779	$6,708,814	$404,996
2024	$1,066,150	$668,764	$6,220,010	$397,386
2023	$1,047,229	$652,791	$5,768,996	$394,438
2022	$891,502	$618,324	$5,236,729	$273,178
2021	$753,329	$537,193	$5,340,434	$216,136
2020	$510,765	$428,830	$5,123,809	$81,935
2019	$390,154	$253,832	$2,057,445	$136,322
2018	$430,962	$267,541	$1,916,779	$163,421

OCALAMARION CTY ASSOCIATION OF REALTORS INC