Ashland Area Board of Realtors (EIN 610981536) - 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

1925

Legal Domicile

Phone

6063292163

Tax Period

2024-01-01 to 2024-12-31

Ashland Area Board of Realtors, founded in 1925, is a small nonprofit that reported $148K in total revenue in fiscal year 2024. Revenue grew 15% year-over-year, indicating healthy expansion.

Mission

Provide Multiple Listing Service for members, educational opportunites to REALTOR members, and work with our local community to protectand promote homeownership and property investment.

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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 $15,000

Program Service Revenue $125,468

Investment Income $5,921

Other Revenue $1,920

TOTAL REVENUE $148,309

Expense Breakdown

Grants Paid $0

Salaries & Benefits $64,804

Fundraising Expenses $0

Other Expenses $84,403

TOTAL EXPENSES $149,207

Year-over-Year Comparison

	2024	2023	Change
Revenue	$148,309	$128,560	+0.2%
Expenses	$149,207	$152,581	0.0%
Net Income	$-898	$-24,021	-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

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
Heather Hensley	Director	5.00	Director	$0	$0	$0
Ervena Kiser	Director	5.00	Director	$0	$0	$0
David Floyd	Director	5.00	Director	$0	$0	$0
Amber Young	Director	5.00	Director	$0	$0	$0
Diana Ruley	Director	5.00	Director	$0	$0	$0
Mark Breeding	Director	5.00	Director	$0	$0	$0
Hannah Porter	Director	5.00	Director	$0	$0	$0
Stephani Branham	Director	5.00	Director	$0	$0	$0
Tobie Moore	Director	5.00	Director	$0	$0	$0
Carleen Applegate Lutz	Secretary	5.00	Officer	$0	$0	$0
Christie S Addington	President Elect	5.00	Officer	$0	$0	$0
Tracy Edwards	Treasurer	5.00	Officer	$0	$0	$0
Scott Duvall	Past President	5.00	Officer	$0	$0	$0
Jody Goats	President	10.00	Officer	$0	$0	$0
Elaine Mullins	Account Executive	35.00	Key Emp	$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	$148,309	$149,207	$242,171	$-898
2023	$128,560	$152,581	$266,559	$-24,021
2022	$103,357	$133,622	$264,860	$-30,265
2021	$96,263	$92,956	$286,439	$3,307
2020	$107,449	$82,798	$223,644	$24,651
2019	$96,227	$81,720	$253,224	$14,507
2018	$95,626	$83,556	$232,308	$12,070

Ashland Area Board of Realtors