CLARKSVILLE ASSOCIATION OF REALTOR… - Form 990 Financial Data

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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

2019

Legal Domicile

Principal Officer

KIM CARGILL

Phone

9315523567

Tax Period

2024-01-01 to 2024-12-31

CLARKSVILLE ASSOCIATION OF REALTORS SPREADING OUR SUPPORT FOUNDATION, founded in 2019, is a micro nonprofit in the Philanthropy & Grantmaking sector that reported $74K in total revenue in fiscal year 2024. Revenue fell 59% from the prior year — a significant decline worth monitoring. Expenses of $177K exceeded revenue, resulting in a 139% operating deficit.

Mission

FUND RAISING TO PROVIDE FINANCIAL SUPPORT TO OTHER CHARITIES AND INDIVIDUALS IN NEED.

Program Service Accomplishments

Program 1

Expenses: $112,750

GRANTS TO OTHER EXEMPT ORGANIZATIONS

Program 2

Expenses: $32,700

SCHOLARSHIPS FOR NEEDY COLLEGE STUDENTS

Program 3

Expenses: $24,000

GRANTS FOR DOWN PAYMENT ASSISTANCE FOR QUALIFYING HOME BUYERS

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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 $21,481

Program Service Revenue $0

Investment Income $0

Other Revenue $52,367

TOTAL REVENUE $73,848

Expense Breakdown

Grants Paid $169,450

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $169,450

Other Expenses $7,358

TOTAL EXPENSES $176,808

Year-over-Year Comparison

	2024	2023	Change
Revenue	$73,848	$181,441	-0.6%
Expenses	$176,808	$204,694	-0.1%
Net Income	$-102,960	$-23,253	+3.4%

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

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
SANDRA HESTER	PRESIDENT ELECT	1.00	Officer Director	$0	$0	$0
KIM CARGILL	President	1.00	Officer Director	$0	$0	$0
ALICIA TAYLOR	Director	1.00	Director	$0	$0	$0
JOANN GARICA	Director	1.00	Director	$0	$0	$0
JENNIFER MEAD	Director	1.00	Director	$0	$0	$0
LINDSAY ELLIOT	Director	1.00	Director	$0	$0	$0
SHANNON HEIM	Director	1.00	Director	$0	$0	$0
CINDY GREENE	Director	1.00	Director	$0	$0	$0
ALICIA HOSENFELD	Vice President	1.00	Officer Director	$0	$0	$0
DEB HAINES-KULICK	EXEC OFFICER	1.00	Officer Director	$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
2024	$73,848	$176,808	$111,464	$-102,960
2023	$181,441	$204,694	$214,424	$-23,253
2022	$170,384	$151,710	$242,199	$18,674
2021	$231,640	$34,300	$223,525	$197,340

CLARKSVILLE ASSOCIATION OF REALTORS SPREADING OUR SUPPORT FOUNDATION