NORTH BAY ASSOCIATION OF REALTORS CHARITY (EIN 812793219) - 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

2015

Legal Domicile

Principal Officer

Lisa Badenfort

Phone

7075421579

Tax Period

2025-01-01 to 2025-12-31

NORTH BAY ASSOCIATION OF REALTORS CHARITY, founded in 2015, is a micro nonprofit in the Philanthropy & Grantmaking sector that reported $35K in total revenue in fiscal year 2025. Revenue fell 27% from the prior year — a significant decline worth monitoring. Net assets of $144K represent 49 months of operating reserves.

Mission

The North Bay Association of Realtors Charity raises funds to support other organizations and

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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 (2025)

Revenue Breakdown

Contributions & Grants $35,291

Program Service Revenue $0

Investment Income $0

Other Revenue $0

TOTAL REVENUE $35,291

Expense Breakdown

Grants Paid $31,457

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $33,838

Other Expenses $4,731

TOTAL EXPENSES $36,188

Year-over-Year Comparison

	2025	2024	Change
Revenue	$35,291	$48,360	-0.3%
Expenses	$36,188	$54,197	-0.3%
Net Income	$-897	$-5,837	-0.8%

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

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

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Lori Segraves	Director	1.00	Director	$0	$0	$0
Herman Hernandez	Director	1.00	Director	$0	$0	$0
Walsh Don	Director	1.00	Director	$0	$0	$0
Lori Boatright	Treasurer	1.00	Officer	$0	$0	$0
Grotte Karen	Vice President	1.00	Officer	$0	$0	$0
Dean Castelli	President	1.00	Officer	$0	$0	$0
Diana Gorsiski	Treasurer	1.00	Officer	$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
2025	$35,291	$36,188	$143,794	$-897
2024	$48,360	$54,197	$144,691	$-5,837
2023	$63,270	$71,971	$150,526	$-8,701
2022	$50,808	$43,243	$162,227	$7,565
2021	$115,695	$86,184	$154,769	$29,511
2020	$76,367	$61,164	$125,416	$15,203
2018	$142,466	$134,525	$113,244	$7,941

NORTH BAY ASSOCIATION OF REALTORS CHARITY