RIVER COUNTIES ASSN OF REALTORS

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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

RADLEY LOCKMILLER

Phone

4234765912

Tax Period

2025-01-01 to 2025-12-31

RIVER COUNTIES ASSN OF REALTORS, founded in 1977, is a small nonprofit that reported $304K in total revenue in fiscal year 2025. Net assets of $799K represent 32 months of operating reserves.

Mission

TO UNITE THOSE ENGAGED IN THE RECOGNIZED UPON THE PROFESSION AND RELATED INTEREST; TO PROMOTE AND MAINTAIN HIGH STANDARDS OR CONDUCT IN THE REAL ESTATE PROFESSION.

Program Service Accomplishments

Program 1

TO UNITE THOSE ENGAGED IN THE RECOGNIZED UPON THE PROFESSION AND RELATED INTEREST; TO PROMOTE AND MAINTAIN HIGH STANDARDS OR CONDUCT IN THE REAL ESTATE PROFESSION. PROVIDE SERVICES TO REALTOR MEMBER...

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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 $231,964

Program Service Revenue $54,003

Investment Income $17,678

Other Revenue $0

TOTAL REVENUE $303,645

Expense Breakdown

Grants Paid $0

Salaries & Benefits $176,171

Fundraising Expenses $0

Other Expenses $153,068

TOTAL EXPENSES $329,239

Year-over-Year Comparison

	2025	2024	Change
Revenue	$303,645	$304,766	0.0%
Expenses	$329,239	$277,497	+0.2%
Net Income	$-25,594	$27,269	-1.9%

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
JAMES ALDERMAN	DIRECTOR	2.00	Director	$0	$0	$0
ROBERT BRADNEY	DIRECTOR	2.00	Director	$0	$0	$0
LINDA JONES	DIRECTOR	2.00	Director	$0	$0	$0
MARGIE KELLER	PRESIDENT EL	2.00	Officer Director	$0	$0	$0
ROGELIO LANTIGUA	DIRECTOR	2.00	Director	$0	$0	$0
TINA LEDFORD	VICE PRESIDE	2.00	Officer Director	$0	$0	$0
RADLEY LOCKMILLER	PRESIDENT	2.00	Officer Director	$0	$0	$0
MISTY NEWSOME	DIRECTOR	2.00	Director	$0	$0	$0
KELLI PAUL	DIRECTOR	2.00	Director	$0	$0	$0
ADAM PETTY	TREASURER	2.00	Officer Director	$0	$0	$0
WHITNEY PROCTOR	DIRECTOR	2.00	Director	$0	$0	$0
MELISSA SHERLIN	DIRECTOR	2.00	Director	$0	$0	$0
BRIAN WORKMAN	SECRETARY	2.00	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	$303,645	$329,239	$815,450	$-25,594
2024	$304,766	$277,497	$843,505	$27,269
2023	$244,630	$324,206	$798,016	$-79,576
2022	$247,938	$241,993	$887,976	$5,945
2021	$204,891	$202,874	$896,815	$2,017
2020	$301,039	$111,557	$929,439	$189,482
2019	$229,742	$225,680	$857,761	$4,062
2018	$222,254	$201,572	$942,113	$20,682