SOUTHWEST MONTANA REALTORS

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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

1970

Legal Domicile

Principal Officer

BRIAN TUDOR

Phone

4065850033

Tax Period

2023-10-01 to 2024-09-30

SOUTHWEST MONTANA REALTORS, founded in 1970, is a community nonprofit that reported $1.1M in total revenue in fiscal year 2023. Revenue grew 19% year-over-year, indicating healthy expansion. Expenses of $1.0M left a modest 3% surplus.

Mission

EMPOWER MEMBERS IN AN EVER-EVOLVING INDUSTRY BY FOSTERING EXCELLENCE AND INNOVATION TO BUILD VIBRANT COMMUNITIES THROUGH THE POWER OF REAL ESTATE.

Program Service Accomplishments

Program 1

THE SOUTHWEST MONTANA REALTORS HAS A TOTAL OF 1,316 REALTOR, APPRAISER, AND AFFILIATE MEMBERS.

Program 2

THE ASSOCIATION MONITORS AND ENGAGES IN LOCAL GOVERNMENT ISSUES ASSOCIATED WITH REAL ESTATE, PROPERTY RIGHTS, AND HOUSING POLICIES. THE ASSOCIATION PRODUCES A WEEKLY E-NEWSLETTER, BI-MONTHLY...

THE ASSOCIATION MONITORS AND ENGAGES IN LOCAL GOVERNMENT ISSUES ASSOCIATED WITH REAL ESTATE, PROPERTY RIGHTS, AND HOUSING POLICIES. THE ASSOCIATION PRODUCES A WEEKLY E-NEWSLETTER, BI-MONTHLY E-MAGAZINE, DEDICATED EMAILS, ONLINE PLATFORMS, A MEMBER PORTAL, NETWORKING OPPORTUNITIES, RECOGNITION PROGRAMS, LEADERSHIP DEVELOPMENT, AND CUSTOMER SUPPORT TO PROVIDE EDUCATIONAL INFORMATION, EDUCATION COURSES, AND TO KEEP MEMBERS INFORMED OF REGULATORY ISSUES AND INDUSTRY STANDARDS TO HELP ENSURE COMPLIANCE AND INVOLVEMENT AT THE COMMUNITY LEVEL. THE ASSOCIATION ENFORCES THE REALTOR CODE OF ETHICS BY ADMINISTERING GRIEVANCE PROCEDURES, ETHICS HEARINGS, AND ARBITRATION SERVICES TO MAINTAIN TRUST AND PROFESSIONALISM WITHIN THE REAL ESTATE COMMUNITY AND THE PUBLIC. IT ALSO SUPPORTS HOUSING-RELATED NONPROFIT ORGANIZATIONS AND PUBLIC OUTREACH INITIATIVES THROUGH VOLUNTEERISM AND CHARITABLE GIVING.

Program 3

THE ASSOCIATION PUTS ON CONTINUING EDUCATION COURSES THROUGH WEBINARS AND ONLINE PLATFORMS FOR ITS MEMBERS EACH MONTH TOTALING UP TO 71 TOTAL CREDIT HOURS PER YEAR.

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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 (2023)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $784,881

Investment Income $197,912

Other Revenue $100,327

TOTAL REVENUE $1,083,120

Expense Breakdown

Grants Paid $0

Salaries & Benefits $430,353

Fundraising Expenses $0

Other Expenses $617,470

TOTAL EXPENSES $1,047,823

Year-over-Year Comparison

	2023	2022	Change
Revenue	$1,083,120	$911,637	+0.2%
Expenses	$1,047,823	$1,027,539	+0.0%
Net Income	$35,297	$-115,902	-1.3%

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

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

$115,852

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
JAMES GINGERY	PAST PRESIDENT	8.00	Officer Director	$0	$0	$0
BRYAN ATWELL	TREASURER	8.00	Officer Director	$0	$0	$0
BRIAN TUDOR	PRESIDENT	8.00	Officer Director	$0	$0	$0
JANNIE WISEMAN	DIRECTOR	8.00	Director	$0	$0	$0
SANDY LEE	DIRECTOR	8.00	Director	$0	$0	$0
MCCULLOUGH ROACH	DIRECTOR	8.00	Director	$0	$0	$0
HATTIE GRAHAM	PRESIDENT-ELECT	8.00	Officer Director	$0	$0	$0
CHARLES EVERDAWN	DIRECTOR	8.00	Director	$0	$0	$0
MARK CORNER	VICE PRESIDENT	8.00	Officer Director	$0	$0	$0
MARGARET ASAY	DIRECTOR	8.00	Director	$0	$0	$0
TYLER GARRISON	DIRECTOR	8.00	Director	$0	$0	$0
KATHLEEN VAUGHN	DIRECTOR	8.00	Director	$0	$0	$0
JODY SAVAGE	DIRECTOR	8.00	Director	$0	$0	$0
ROBERT WIGTON	FORMER EXECUTIVE OFFICER	40.00	Officer	$54,269	$5,427	$59,696
CYNTHIA SIGGS	EXECUTIVE OFFICER	40.00	Officer	$56,156	$0	$56,156

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	No data	No data	No data	No data
2024	No data	No data	No data	No data
2024	$1,083,120	$1,047,823	$6,143,930	$35,297
2023	$911,637	$1,027,539	$6,088,608	$-115,902
2022	$904,955	$862,899	$5,500,404	$42,056
2021	$990,717	$670,607	$5,179,446	$320,110
2020	$790,549	$444,610	$3,119,197	$345,939
2019	$766,726	$549,913	$2,754,550	$216,813
2018	$712,471	$508,936	$2,571,767	$203,535