HUNTSVILLE AREA ASSOCIATION OF REALTORS (EIN 630931474) - 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

1948

Legal Domicile

Principal Officer

REGINA MITCHELL

Phone

2565363334

Tax Period

2025-01-01 to 2025-12-31

HUNTSVILLE AREA ASSOCIATION OF REALTORS, founded in 1948, is a small nonprofit that reported $955K in total revenue in fiscal year 2018. Revenue grew 19% year-over-year, indicating healthy expansion. The organization ran a surplus of $250K, a strong 26% operating margin.

Mission

TO PROVIDE SERVICES, STUDIES, AND EDUCATIONAL OPPORTUNITIES FOR MEMBERS IN 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 $1,361,312

Investment Income $112,570

Other Revenue $374,846

TOTAL REVENUE $1,848,728

Expense Breakdown

Grants Paid $0

Salaries & Benefits $440,666

Fundraising Expenses $0

Program Expenses $1,312,639

Other Expenses $871,973

TOTAL EXPENSES $1,312,639

Year-over-Year Comparison

	2025	2024	Change
Revenue	$1,848,728	$2,054,154	-0.1%
Expenses	$1,312,639	$1,173,768	+0.1%
Net Income	$536,089	$880,386	-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

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

$141,277

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
ZELDA FRIEDMAN	VICE PRESIDENT	1.00	Officer Director	$0	$0	$0
LORE HISLOP	MLS CO CHAIR	1.00	Officer Director	$0	$0	$0
TAMARA FOX	PRESIDENT	1.00	Officer Director	$0	$0	$0
REGINA MITCHELL	PRESIDENT ELECT	1.00	Officer Director	$0	$0	$0
ROD SCHUMANN	DIRECTOR	1.00	Director	$0	$0	$0
KATIE CRWAWFORD	DIRECTOR	1.00	Director	$0	$0	$0
PAMALA BASS	DIRECTOR	1.00	Director	$0	$0	$0
TRACY DEGRAAFF	DIRECTOR	1.00	Director	$0	$0	$0
STEPHANIE SCHRIMSHER	DIRECTOR	1.00	Director	$0	$0	$0
LORAINE CORDULE	TREASURER	1.00	Officer Director	$0	$0	$0
SID PUGH	MLS CHAIR	1.00	Officer Director	$0	$0	$0
KHRISTA DEES	DIRECTOR	1.00	Director	$0	$0	$0
ROBIN GRAHAM	DIRECTOR	1.00	Director	$0	$0	$0
JASON PLETSCH	DIRECTOR	1.00	Director	$0	$0	$0
TIM BROWN	DIRECTOR	1.00	Director	$0	$0	$0
ALLISON CLICK	DIRECTOR	1.00	Director	$0	$0	$0
CHANDA DAVIS	DIRECTOR	1.00	Director	$0	$0	$0
DEBORAH DUCLERC	DIRECTOR	1.00	Director	$0	$0	$0
KURTIS KRUEGER	CEO	20.00	Officer	$0	$6,212	$76,487
JAY JENNINGS	INTERIM CEO	20.00	Officer	$0	$5,227	$64,790

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	$1,848,728	$1,312,639	$4,624,909	$536,089
2024	$2,054,154	$1,173,768	$4,065,357	$880,386
2023	$1,570,571	$1,433,672	$3,276,117	$136,899
2022	$1,390,526	$1,226,121	$3,084,683	$164,405
2021	$1,203,260	$916,761	$2,850,731	$286,499
2020	$1,017,616	$811,410	$2,507,497	$206,206
2019	$1,033,509	$875,533	$2,250,982	$157,976
2018	$955,023	$705,303	$2,047,437	$249,720

HUNTSVILLE AREA ASSOCIATION OF REALTORS