EASTERN MIDDLE TENNESSEE ASSOC OF REALTORS INC (EIN 621354871) - 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

1983

Legal Domicile

Principal Officer

STEVE STEELE

Phone

6157589851

Tax Period

2024-01-01 to 2024-12-31

EASTERN MIDDLE TENNESSEE ASSOC OF REALTORS INC, founded in 1983, is a small nonprofit that reported $572K in total revenue in fiscal year 2024. Revenue grew 19% year-over-year, indicating healthy expansion. The organization ran a surplus of $103K, a strong 18% operating margin.

Mission

PROGRAM SERVICES FOR REALTORS

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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 $382,827

Program Service Revenue $0

Investment Income $189,003

Other Revenue $0

TOTAL REVENUE $571,830

Expense Breakdown

Grants Paid $0

Salaries & Benefits $239,805

Fundraising Expenses $0

Other Expenses $229,201

TOTAL EXPENSES $469,006

Year-over-Year Comparison

	2024	2023	Change
Revenue	$571,830	$480,183	+0.2%
Expenses	$469,006	$419,996	+0.1%
Net Income	$102,824	$60,187	+0.7%

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

1352

Independent Members

1352

Employees

Volunteers

120

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

$142,161

Total Directors

$142,161

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
STEVE STEELE	EXECUTIVE DI	40.00	Officer Director	$142,161	$0	$142,161
TRACI JOHNSON ARDOVINO	DIRECTOR	0.50	Director	$0	$0	$0
STEPHANIE BENTLEY-WRIGHT	PRESIDENT EL	0.50	Director	$0	$0	$0
JON BROWN	DIRECTOR	0.50	Director	$0	$0	$0
KALEIGH DUNN	DIRECTOR	0.50	Director	$0	$0	$0
MICHAEL EZSOL	PRESIDENT EL	2.00	Officer Director	$0	$0	$0
RACHEL MULLINS HARRELL	DIRECTOR	0.50	Director	$0	$0	$0
MEDANA HEMONTOLOR	DIRECTOR	0.50	Director	$0	$0	$0
SAMANTHA HICKEY	DIRECTOR	0.50	Director	$0	$0	$0
ANGELA KNEE	DIRECTOR	0.50	Director	$0	$0	$0
LAUREN LAFEVERS-FLATT	DIRECTOR	0.50	Director	$0	$0	$0
CHRIS LONG	DIRECTOR	0.50	Director	$0	$0	$0
JANET MEDLIN	DIRECTOR	N/A	Director	$0	$0	$0
EDDIE ROCKENSOCK	IMMEDIATE PA	0.50	Director	$0	$0	$0
GINA WATERS	PRESIDENT	2.00	Officer Director	$0	$0	$0
SIGRUN WATSON	DIRECTOR	0.50	Director	$0	$0	$0
PHYLLIS WEBB	FIRST VICE P	2.00	Officer Director	$0	$0	$0
MICHAEL WOODARD	DIRECTOR	0.50	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
2024	$571,830	$469,006	$1,527,058	$102,824
2023	$480,183	$419,996	$1,376,491	$60,187
2022	$480,854	$396,912	$1,376,341	$83,942
2021	$458,463	$325,114	$1,325,286	$133,349
2020	$216,503	$371,711	$1,146,064	$-155,208
2019	$445,863	$384,361	$1,076,391	$61,502
2018	$452,087	$434,488	$1,012,249	$17,599

EASTERN MIDDLE TENNESSEE ASSOC OF REALTORS INC