PUEBLO ASSOCIATION OF REALTORS INC

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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

Legal Domicile

Phone

7195453666

Tax Period

2024-10-01 to 2025-09-30

PUEBLO ASSOCIATION OF REALTORS INC is a small nonprofit that reported $922K in total revenue in fiscal year 2024. Expenses of $791K left a modest 14% surplus.

Mission

TO ENHANCE THE ABILITY AND OPPORTUNITY OF ITS MEMBERS, TO CONDUCT THEIR BUSINESS SUCCESSFULLY, ETHICALLY, AND PROFITABLE. TO PROMOTE THE PRESERVATION OF THE RIGHT TO OWN, TRANSFER AND USE REAL PROPERTY. TO INCREASE PUBLIC'S AWARENESS AND CONFIDENCE IN THE REALTORS PROFESSIONALISM, SKILLS, KNOWLEDGE, AND COMMUNITY INVOLVEMENT.

Program Service Accomplishments

Program 1

WE PROTECT BUYERS AND SELLERS PROPERTY RIGHTSTHE MULTIPLE LISING SERVICE IS A DATABASE THAT IS USED BY THE REALTOR MEMBERS/PROFESSIONALS/BROKERS TO SHARE INFORMATION ABOUT PROPERTIES THAT ARE...

WE PROTECT BUYERS AND SELLERS PROPERTY RIGHTSTHE MULTIPLE LISING SERVICE IS A DATABASE THAT IS USED BY THE REALTOR MEMBERS/PROFESSIONALS/BROKERS TO SHARE INFORMATION ABOUT PROPERTIES THAT ARE AVAILABLE TO THE PUBLIC FOR SALE. THE DATABASE ALLOWS THE REAL ESTATE BROKERS TO ACCESS AND SEARCH FOR LISTINGS TO MEET THEIR CLIENTS NEEDS OR CRITERIA AND TO HELP THEM FIND A SUITABLE PROPERTY. IT ALLOWS THEM TO SHARE DATA AND TO COOPERATE WITH EACH OTHER SO THE TRANSACTION IS SMOOTH. IT BENEFITS THE BUYERS AN SELLERS BY PROVIDING INFORMATION ABOUT PROPERTY THAT IS AVAILABLE. AGENTS HELP BUYERS AND SELLERS TO HAVE PROFESSIONAL REPRESENTATION IN THE HOME SALE PROCESS. THE MLS PROVIDES EASY ACCESS TO THE HOMES IN THE AREA AND SURROUNDING AREAS.

Program 2

THE ASSOCIATION PROVIDES EDUCATION CLASSES, OFFERS RESOURCES TO BENEFIT THE AGENT, BUYER AND SELLERS. THE CLASSES ARE OFFERED TO EDUCATE THE REAL ESTATE AGENT IN VARIOUS ASPECTS OF BUYING AND SELLING A HOME INCLUDED BUT NOT LIMITED TO BUYING, SELLING, FINANCING AND LEGAL CONSIDERATIONS TO HELP THEM MAKE INFORMED DECISIONS. CLASSES COVER MARKET TRENDS, NEGOTIATION STRATEGIES, UNDERSTANDING CONTRACTS, FINANCING, UNDERSTANDING LEGAL OBLIGATIONS. THEIR GOAL IS TO HELP BUYERS AND SELLERS COME TO AN INFORMED DECISION THROUGHOUT THE REAL ESTATE PROCESS. ASSISTS REAL ESTATE AGENTS MEET THEIR NEEDS TO RECERTIFY THEIR LICENSE.

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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 $200

Program Service Revenue $818,167

Investment Income $84,420

Other Revenue $19,582

TOTAL REVENUE $922,369

Expense Breakdown

Grants Paid $0

Salaries & Benefits $229,838

Fundraising Expenses $0

Other Expenses $560,826

TOTAL EXPENSES $790,664

Year-over-Year Comparison

	2024	2023	Change
Revenue	$922,369	$921,610	+0.0%
Expenses	$790,664	$810,031	0.0%
Net Income	$131,705	$111,579	+0.2%

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

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
CHRISTIE SMITH	PAST CHAIR	0.40	Director	$0	$0	$0
CASEY EDWARDS	Director	0.40	Director	$0	$0	$0
DEANNA WESTERBY	Director	0.40	Director	$0	$0	$0
KRIS MAGBY	CAR DIR - CHAIR	0.40	Director	$0	$0	$0
ANGELA TORRI	Director	0.40	Director	$0	$0	$0
DAVE MAURO	CHAIR	0.40	Director	$0	$0	$0
MELANIE MAGEE	Director	0.40	Director	$0	$0	$0
LACY FLACK	Director	0.40	Director	$0	$0	$0
ROBERT TIBBS	CAR DIRECTOR	0.40	Director	$0	$0	$0
MIKE SPOONE	CAR DIRECTOR	0.40	Director	$0	$0	$0
CYNDY WILLIAMS	Director	0.40	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
2025	$922,369	$790,664	$2,512,500	$131,705
2024	$921,610	$810,031	$2,505,900	$111,579
2023	$1,009,891	$798,952	$2,215,299	$210,939
2022	$1,031,797	$873,161	$1,977,225	$158,636
2021	$893,293	$715,143	$1,889,638	$178,150
2020	$737,003	$544,043	$1,637,654	$192,960
2019	$708,444	$561,952	$1,435,255	$146,492
2018	$632,480	$602,294	$1,324,322	$30,186