LOVELAND-BERTHOUD ASSOCIATION OF REALTORS INC (EIN 840537441) - 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

1960

Legal Domicile

Phone

9706691822

Tax Period

2024-10-01 to 2025-09-30

LOVELAND-BERTHOUD ASSOCIATION OF REALTORS INC, founded in 1960, is a small nonprofit in the Community Improvement sector that reported $305K in total revenue in fiscal year 2024. Revenue grew 15% year-over-year, indicating healthy expansion. Expenses of $261K left a modest 14% surplus.

Mission

BOARD OF REALTORS

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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 $164,909

Program Service Revenue $34,525

Investment Income $46,866

Other Revenue $58,775

TOTAL REVENUE $305,075

Expense Breakdown

Grants Paid $4,000

Salaries & Benefits $113,344

Fundraising Expenses $0

Other Expenses $144,039

TOTAL EXPENSES $261,383

Year-over-Year Comparison

	2024	2023	Change
Revenue	$305,075	$264,387	+0.2%
Expenses	$261,383	$267,567	0.0%
Net Income	$43,692	$-3,180	-14.7%

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

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Stephanie Lane	President	2.00	Officer Director	$0	$0	$0
Tammy Fisher	President-Elect	2.00	Officer Director	$0	$0	$0
Troy Zwickle	Past President	2.00	Officer Director	$0	$0	$0
Allison Baca	Director	2.00	Director	$0	$0	$0
Lindsay Jackson	Director	2.00	Director	$0	$0	$0
Mark Koentopp	Director	2.00	Director	$0	$0	$0
April Neuhaus	Director	2.00	Director	$0	$0	$0
Jared Sickels	President-Elect	2.00	Director	$0	$0	$0
David Powell	President	2.00	Director	$0	$0	$0
Sarah Warnock	Director	2.00	Director	$0	$0	$0
Adrien Ruckle	Ex-Officio	2.00	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	$305,075	$261,383	$1,856,275	$43,692
2024	$264,387	$267,567	$1,769,238	$-3,180
2023	$196,912	$228,197	$1,666,328	$-31,285
2022	$347,448	$227,315	$1,581,590	$120,133
2021	$365,315	$179,090	$1,840,936	$186,225
2020	$359,372	$205,981	$1,795,230	$153,391
2019	$339,995	$220,723	$1,552,940	$119,272
2018	$273,047	$199,770	$1,381,812	$73,277

LOVELAND-BERTHOUD ASSOCIATION OF REALTORS INC