NORTH BAY ASSOCIATION OF REALTORS (EIN 680370006) - 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

1995

Legal Domicile

Principal Officer

LISA BADENFORT

Phone

7075421579

Tax Period

2024-01-01 to 2024-12-31

NORTH BAY ASSOCIATION OF REALTORS, founded in 1995, is a community nonprofit that reported $1.6M in total revenue in fiscal year 2024. Revenue grew 15% year-over-year, indicating healthy expansion.

Mission

REAL ESTATE TRADE ASSOCIATION

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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 $1,500,467

Program Service Revenue $30,568

Investment Income $49,657

Other Revenue $2,636

TOTAL REVENUE $1,583,328

Expense Breakdown

Grants Paid $7,200

Salaries & Benefits $827,832

Fundraising Expenses $0

Program Expenses $814,373

Other Expenses $705,959

TOTAL EXPENSES $1,540,991

Year-over-Year Comparison

	2024	2023	Change
Revenue	$1,583,328	$1,373,855	+0.2%
Expenses	$1,540,991	$1,564,390	0.0%
Net Income	$42,337	$-190,535	-1.2%

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

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

$353,926

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
DEAN CASTELLI	DIRECTOR	1.00	Director	$0	$0	$0
CARMEN CERVANTES	DIRECTOR	1.00	Director	$0	$0	$0
DIANA GORSISKI	TREASURER	1.00	Director	$0	$0	$0
CARLA GRIFFIN	DIRECTOR	1.00	Director	$0	$0	$0
KAREN GROTTE	PAST PRESIDENT	1.00	Director	$0	$0	$0
GEORGE LAGOYDA	DIRECTOR, TREASURER	1.00	Director	$0	$0	$0
JAN LOEWEN	AFFILIATE DIRECTOR	1.00	Director	$0	$0	$0
JUAN NIETO	DIRECTOR	1.00	Director	$0	$0	$0
LORI SACCO	DIRECTOR	1.00	Director	$0	$0	$0
RICHARD SELZER	PRESIDENT-ELECT	1.00	Director	$0	$0	$0
KATE SPADAROTTO	PRESIDENT	1.00	Director	$0	$0	$0
HEATHER THURBER	VICE PRESIDENT	1.00	Director	$0	$0	$0
LISA BADENFORT	CHIEF EXECUTIVE OFFICER	40.00	Key Emp	$205,860	$11,312	$217,172
TERESA BIONDI	FINANCE DIRECTOR	40.00	Key Emp	$123,462	$13,292	$136,754

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	$1,583,328	$1,540,991	$1,492,170	$42,337
2023	$1,373,855	$1,564,390	$1,753,658	$-190,535
2022	$1,298,477	$1,486,466	$1,759,059	$-187,989
2021	$1,375,618	$1,359,535	$1,865,459	$16,083
2020	$1,308,552	$1,447,639	$1,624,069	$-139,087
2019	$1,378,531	$1,619,371	$2,281,994	$-240,840
2018	$1,374,238	$1,426,510	$2,001,397	$-52,272

NORTH BAY ASSOCIATION OF REALTORS