MONTGOMERY AREA ASSOCIATION OF REALTORS INC (EIN 630378536) - Form 990 Financial Analysis & Trantor Score

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Tuckman-Chang Vulnerability Assessment

4 risk indicators measuring financial stability and operational resilience

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Financial Trends

Organization Details

Formation Year

1949

Legal Domicile

Principal Officer

JAMES B OWEN

Phone

3343960256

Tax Period

2025-01-01 to 2025-12-31

MONTGOMERY AREA ASSOCIATION OF REALTORS INC, founded in 1949, is a small nonprofit that reported $662K in total revenue in fiscal year 2018. Revenue surged 31% from the prior year, signaling strong growth momentum. The organization ran a surplus of $205K, a strong 31% operating margin.

Mission

TO PROMOTE THE REAL ESTATE INDUSTRY.

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Trantor Score

Financial Health & Payment Capacity Assessment (FICO Scale: 300–850)

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Liquidity (40%) • Solvency (30%) • Sustainability (20%) • Efficiency (10%)

Financial Overview (2025)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $942,808

Investment Income $250,561

Other Revenue $-275,583

TOTAL REVENUE $917,786

Expense Breakdown

Grants Paid $840

Salaries & Benefits $10,537

Fundraising Expenses $0

Other Expenses $726,269

TOTAL EXPENSES $737,646

Year-over-Year Comparison

	2025	2024	Change
Revenue	$917,786	$902,039	+0.0%
Expenses	$737,646	$726,964	+0.0%
Net Income	$180,140	$175,075	+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

N/A

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

$184,961

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
TERRI ALLISON	DIRECTOR	0.00	Director	$0	$0	$0
CHARLSEY ADKINS-WILLS	DIRECTOR	0.00	Director	$0	$0	$0
GINA BUCK	DIRECTOR	0.00	Director	$0	$0	$0
KAYMARIES BRIDDELL	DIRECTOR	0.00	Director	$0	$0	$0
ANITA CARTER	DIRECTOR	0.00	Director	$0	$0	$0
DARLENE DAY	DIRECTOR	0.00	Director	$0	$0	$0
KATI DOUGLAS	DIRECTOR	0.00	Director	$0	$0	$0
KRISTI FULLER	DIRECTOR	0.00	Director	$0	$0	$0
MCELROY SLADE	DIRECTOR	0.00	Director	$0	$0	$0
JEWELL WILLIAMSON	DIRECTOR	0.00	Director	$0	$0	$0
RYAN BEESLEY	PRESIDENT	0.00	Officer Director	$0	$0	$0
DONNA COX	PRESIDENT ELECT	0.00	Officer Director	$0	$0	$0
EDWARD FARRIOR	SECRETARY	0.00	Officer Director	$0	$0	$0
TIESHA ANDREWS	PAST PRESIDENT	0.00	Officer Director	$0	$0	$0
JAMES B OWEN	EXECUTIVE VICE PRESIDENT	40.00	Officer	$0	$45,074	$184,961

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	$917,786	$737,646	$4,865,529	$180,140
2024	$902,039	$726,964	$4,576,291	$175,075
2023	$804,473	$667,099	$4,197,852	$137,374
2022	$534,982	$611,227	$3,807,662	$-76,245
2021	$856,263	$689,435	$4,209,450	$166,828
2020	$599,104	$390,624	$3,932,836	$208,480
2019	$605,560	$705,296	$3,406,787	$-99,736
2018	$662,164	$457,386	$3,300,931	$204,778

MONTGOMERY AREA ASSOCIATION OF REALTORS INC