VALLEY BOARD OF REALTORS INC (EIN 920101639) - 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

1973

Legal Domicile

Principal Officer

PAULA NANCE

Phone

9073765080

Tax Period

2024-01-01 to 2024-12-31

VALLEY BOARD OF REALTORS INC, founded in 1973, is a small nonprofit in the Community Improvement sector that reported $181K in total revenue in fiscal year 2024. Revenue fell 27% from the prior year — a significant decline worth monitoring. Expenses of $175K left a modest 4% surplus.

Mission

THE MISSION OF THE VALLEY BOARD OF REALTORS IS TO PROVIDE MEMBER SUPPORT, EDUCATION, AND LEADERSHIP IN THE PURSUIT OF PROFESSIONAL EXCELLENCE.

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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 $110,273

Program Service Revenue $15,782

Investment Income $1,245

Other Revenue $53,974

TOTAL REVENUE $181,274

Expense Breakdown

Grants Paid $14,345

Salaries & Benefits $53,938

Fundraising Expenses $3,627

Program Expenses $134,209

Other Expenses $106,643

TOTAL EXPENSES $174,926

Year-over-Year Comparison

	2024	2023	Change
Revenue	$181,274	$249,657	-0.3%
Expenses	$174,926	$198,532	-0.1%
Net Income	$6,348	$51,125	-0.9%

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

$49,250

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
PAULA NANCE	EXECUTIVE AS	40.00	Officer	$49,250	$0	$49,250
KAITLYN ESPADA	PRESIDENT	1.00	Officer Director	$0	$0	$0
MARGARET BILLINGER	TREASURER	1.00	Officer Director	$0	$0	$0
KAREN BRAUNEIS	SECRETARY	1.00	Officer Director	$0	$0	$0
CHAVONNE CUTRIGHT	PRESIDENT EL	1.00	Director	$0	$0	$0
MICHELLE CREW	TREASURER EL	1.00	Director	$0	$0	$0
VICTORIA ROBERTS	DIRECTOR	1.00	Director	$0	$0	$0
JESSICA BAKER	DIRECTOR	1.00	Director	$0	$0	$0
JASON ADKINS	DIRECTOR	1.00	Director	$0	$0	$0
BRANDY MALCUIT	DIRECTOR	1.00	Director	$0	$0	$0
DONNA COTE	DIRECTOR	1.00	Director	$0	$0	$0
BARB WORLEY	AFFILIATE DI	1.00	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
2024	$181,274	$174,926	$471,903	$6,348
2023	$249,657	$198,532	$693,233	$51,125
2022	$181,837	$196,559	$504,263	$-14,722
2021	$142,796	$159,252	$519,760	$-16,456
2020	$139,278	$130,582	$536,102	$8,696
2019	$121,252	$120,231	$549,314	$1,021
2018	$115,347	$127,864	$517,018	$-12,517

VALLEY BOARD OF REALTORS INC