SOUTHERN MIDDLE TN BD OF REALT

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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

DELLA BEYER

Phone

9313815556

Tax Period

2025-01-01 to 2025-12-31

SOUTHERN MIDDLE TN BD OF REALT is a small nonprofit in the Community Improvement sector that reported $327K in total revenue in fiscal year 2025. Revenue decreased 12% compared to the prior year. The organization ran a surplus of $76K, a strong 23% operating margin.

Mission

PROMOTE EQUAL OPPORTUNITY AND FAIR HOUSING STANDARDS, PURCHASE MULTIPLE LISTING BOOKS FOR REFERENCE AND OPERATE COMPUTER SERVICES SO MEMBERS HAVE QUICK ACCESS TO NEW LISTINGS AND PROPERTIES SOLD

Program Service Accomplishments

Program 1

BUSINESS ORGANIZATION OF REALTORS, STRESSES FAIR AND EQUAL OPPORTUNITY

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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 $313,410

Program Service Revenue $0

Investment Income $13,878

Other Revenue $0

TOTAL REVENUE $327,288

Expense Breakdown

Grants Paid $0

Salaries & Benefits $149,482

Fundraising Expenses $0

Other Expenses $101,988

TOTAL EXPENSES $251,470

Year-over-Year Comparison

	2025	2024	Change
Revenue	$327,288	$370,590	-0.1%
Expenses	$251,470	$251,496	0.0%
Net Income	$75,818	$119,094	-0.4%

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

750

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
LINDA WALKER	PRESIDENT	2	Officer Director	$0	$0	$0
K EMDERGRAFT	PRES/ELECT	1	Officer Director	$0	$0	$0
JILL ELKINS	SEC TREAS	1	Officer Director	$0	$0	$0
DELLA BEYER	PAST PRESIDENT	1	Director	$0	$0	$0
ALICE EWALD	DIRECTOR	1	Director	$0	$0	$0
DANIEL HANEY	DIRECTOR	1	Director	$0	$0	$0
STEVE HILL	DIRECTOR	1	Director	$0	$0	$0
PAT FORD	DIRECTOR	1	Director	$0	$0	$0
J RICHARDSON	DIRECTOR	1	Director	$0	$0	$0
MATT COLLINS	MLS DIRECTOR	1	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	$327,288	$251,470	$1,125,048	$75,818
2024	No data	No data	No data	No data
2023	$310,361	$221,874	$924,334	$88,487
2022	$270,666	$244,465	$863,122	$26,201
2021	$327,802	$250,090	$834,763	$77,712
2020	$283,055	$219,287	$735,140	$63,768