Liabilities / Assets
53rd percentile
Higher debt load relative to assets than 53% of similar nonprofits.
EIN 52-1323476 • 501(c)6 • Mchenry, MD
Profile
Business league for realtors
Precomputed percentiles relative to similar nonprofits. These scores are descriptive rather than judgmental.
Liabilities / Assets
53rd percentile
Higher debt load relative to assets than 53% of similar nonprofits.
Liabilities / Revenue
63rd percentile
Higher debt load relative to revenue than 63% of similar nonprofits.
Net Margin
45th percentile
Higher net margin than 45% of similar nonprofits.
Top Officer Pay
77th percentile
Higher top officer pay than 77% of similar nonprofits.
Top officer pay equals 0.0% of source-year revenue.
Asset Growth
53rd percentile
Faster asset growth than 53% of similar nonprofits.
Revenue Growth
41st percentile
Faster revenue growth than 41% of similar nonprofits.
Assets
Up$322,061
Up $309 (+0.1%) from 2024
Liabilities
Down$1,232
Down $2,276 (-65%) from 2024
Net Assets
Up$320,829
Up $2,585 (+0.8%) from 2024
Revenue
Down$76,445
Down $4,697 (-5.8%) from 2024
Expenses
Down$77,380
Down $419 (-0.5%) from 2024
Net Income
Down-$935
Down $4,278 (-128%) from 2024
Most recent year
2025 • Form 990EZDetailed filing. Detailed filing data is available for this year.
Business league for realtors
| Description | Grants | Expenses |
|---|---|---|
| DINNER MEETINGS, SEMINARS, CONTINUING EDUCATION FOR MEMBERS OF THE BUSINESS LEAGUE, AND OTHER ANCILLARY SERVICES TO MEMBERS | $0 | $77,380 |
| Name | Title | Full / Part Time | Base | Other | Total |
|---|---|---|---|---|---|
| LARRY SMITH | President | - | $0 | - | - |
| NINA BEITZEL | Vice President | - | $0 | - | - |
| NICK FRATZ ORR | Treasurer | - | $0 | - | - |
| DANIELLE LUSCOMBE | Director | - | $0 | - | - |
| KRISTEN SKEWERIS | Director | - | $0 | - | - |
| ZACH WESOLOWSKI | Director | - | $0 | - | - |
| LAURA NEWHALL | Director | - | $0 | - | - |
| KATIE CANTRELL | Secretary | - | $0 | - | - |
| LAUREN MCCANN | Director | - | $0 | - | - |
“Description: late fees. Amount: 784. Description: credit card rewards. Amount: 78. Total to form 990-ez, line 8: 862.”
“Description: depreciation. Amount: 8,306. Description: other expenses. Amount: 5,400. Total to form 990-ez, line 14: 13,706.”
“Description: workers compensation expense. Amount: 543. Description: merchant fees. Amount: 1,135. Description: office supplies. Amount: 1,898. Description: insurance expense. Amount: 698. Description: telephone/internet. Amount: 2,181. Description: website hosting expense. Amount: 290. Description: legal fees. Amount: 3,000. Description: sponsorships. Amount: 615. Description: training expense. Amount: 625. Description: travel gad. Amount: 75. Description: travel expense. Amount: 3,058. Description: awards and recognition. Amount: 531. Description: contracted services. Amount: 1,398. Description: education expense. Amount: 290. Description: interest expense. Amount: 38. Description: employer payroll taxes. Amount: 3,097. Total to form 990-ez, line 16: 19,472.”
“Description: form 990-t. Amount: 3,519. Description: rounding. Amount: 1. Total to form 990-ez, line 20: 3,520.”
“Description: nar a/p. Beg. Of year amount: 110,000. End of year amount: 110,000. Description: cetera investment account. Beg. Of year amount: 77,125. End of year amount: 79,469. Description: other depreciable assets. Beg. Of year amount: 35,457. End of year amount: 27,151.”
“Description: accrued payroll/dues. Beg. Of year amount: 1,386. End of year amount: 908. Description: credit card payable. Beg. Of year amount: 2,122. End of year amount: 324.”
This appendix keeps the raw XML leaves available for debugging and edge-case review. The human report above is the primary experience.
| Path | # | Value |
|---|---|---|
| IRS990EZ/ActivitiesNotPreviouslyRptInd | 0 | 0 |
| IRS990EZ/BooksInCareOfDetail/BusinessName/BusinessNameLine1Txt | 0 | AMY LOWDERMILK |
| IRS990EZ/BooksInCareOfDetail/PhoneNum | 0 | 3013348405 |
| IRS990EZ/BooksInCareOfDetail/USAddress/AddressLine1Txt | 0 | 685 MOSSER ROAD 100 - ROOM 120 |
| IRS990EZ/BooksInCareOfDetail/USAddress/CityNm | 0 | MCHENRY |
| IRS990EZ/BooksInCareOfDetail/USAddress/StateAbbreviationCd | 0 | MD |
| IRS990EZ/BooksInCareOfDetail/USAddress/ZIPCd | 0 | 21541 |
| IRS990EZ/CashSavingsAndInvestmentsGrp/BOYAmt | 0 | 99170 |
| IRS990EZ/CashSavingsAndInvestmentsGrp/EOYAmt | 0 | 105441 |
| IRS990EZ/ChgMadeToOrgnzngDocNotRptInd | 0 | 0 |
| IRS990EZ/DirectIndirectPltclExpendAmt | 0 | 0 |
| IRS990EZ/DonorAdvisedFndsInd | 0 | 0 |
| IRS990EZ/ExcessOrDeficitForYearAmt | 0 | -935 |
| IRS990EZ/FeesAndOtherPymtToIndCntrctAmt | 0 | 4525 |
| IRS990EZ/ForeignFinancialAccountInd | 0 | 0 |
| IRS990EZ/ForeignOfficeInd | 0 | 0 |
| IRS990EZ/Form990TotalAssetsGrp/BOYAmt | 0 | 321752 |
| IRS990EZ/Form990TotalAssetsGrp/EOYAmt | 0 | 322061 |
| IRS990EZ/GrossReceiptsAmt | 0 | 76445 |
| IRS990EZ/InfoInScheduleOPartIIInd | 0 | X |
| IRS990EZ/InfoInScheduleOPartIInd | 0 | X |
| IRS990EZ/InfoInScheduleOPartVInd | 0 | X |
| IRS990EZ/MadeLoansToFromOfficersInd | 0 | 0 |
| IRS990EZ/MembershipDuesAmt | 0 | 58195 |
| IRS990EZ/MethodOfAccountingCashInd | 0 | X |
| IRS990EZ/NetAssetsOrFundBalancesBOYAmt | 0 | 318244 |
| IRS990EZ/NetAssetsOrFundBalancesEOYAmt | 0 | 320829 |
| IRS990EZ/NetAssetsOrFundBalancesGrp/BOYAmt | 0 | 318244 |
| IRS990EZ/NetAssetsOrFundBalancesGrp/EOYAmt | 0 | 320829 |
| IRS990EZ/OccupancyRentUtltsAndMaintAmt | 0 | 13706 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt | 0 | 0.00 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt | 1 | 0.00 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt | 2 | 0.00 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt | 3 | 0.00 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt | 4 | 0.00 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt | 5 | 0.00 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt | 6 | 0.00 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt | 7 | 0.00 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt | 8 | 0.00 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt | 0 | 0 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt | 1 | 0 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt | 2 | 0 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt | 3 | 0 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt | 4 | 0 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt | 5 | 0 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt | 6 | 0 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt | 7 | 0 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt | 8 | 0 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/EmployeeBenefitProgramAmt | 0 | 0 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/EmployeeBenefitProgramAmt | 1 | 0 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/EmployeeBenefitProgramAmt | 2 | 0 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/EmployeeBenefitProgramAmt | 3 | 0 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/EmployeeBenefitProgramAmt | 4 | 0 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/EmployeeBenefitProgramAmt | 5 | 0 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/EmployeeBenefitProgramAmt | 6 | 0 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/EmployeeBenefitProgramAmt | 7 | 0 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/EmployeeBenefitProgramAmt | 8 | 0 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/ExpenseAccountOtherAllwncAmt | 0 | 0 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/ExpenseAccountOtherAllwncAmt | 1 | 0 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/ExpenseAccountOtherAllwncAmt | 2 | 0 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/ExpenseAccountOtherAllwncAmt | 3 | 0 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/ExpenseAccountOtherAllwncAmt | 4 | 0 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/ExpenseAccountOtherAllwncAmt | 5 | 0 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/ExpenseAccountOtherAllwncAmt | 6 | 0 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/ExpenseAccountOtherAllwncAmt | 7 | 0 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/ExpenseAccountOtherAllwncAmt | 8 | 0 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm | 0 | LARRY SMITH |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm | 1 | NINA BEITZEL |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm | 2 | NICK FRATZ ORR |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm | 3 | DANIELLE LUSCOMBE |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm | 4 | KRISTEN SKEWERIS |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm | 5 | ZACH WESOLOWSKI |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm | 6 | LAURA NEWHALL |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm | 7 | KATIE CANTRELL |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm | 8 | LAUREN MCCANN |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt | 0 | PRESIDENT |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt | 1 | VICE PRESIDENT |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt | 2 | TREASURER |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt | 3 | DIRECTOR |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt | 4 | DIRECTOR |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt | 5 | DIRECTOR |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt | 6 | DIRECTOR |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt | 7 | SECRETARY |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt | 8 | DIRECTOR |
| IRS990EZ/OperateHospitalInd | 0 | 0 |
| IRS990EZ/Organization501cInd | 0 | X |
| IRS990EZ/OrganizationDissolvedEtcInd | 0 | 0 |
| IRS990EZ/OrganizationFiled990TInd | 0 | 1 |
| IRS990EZ/OrganizationHadUBIInd | 0 | 1 |
| IRS990EZ/OtherAssetsTotalDetail/BOYAmt | 0 | 222582 |
| IRS990EZ/OtherAssetsTotalDetail/EOYAmt | 0 | 216620 |
| IRS990EZ/OtherChangesInNetAssetsAmt | 0 | 3520 |
| IRS990EZ/OtherExpensesTotalAmt | 0 | 19472 |
| IRS990EZ/OtherRevenueTotalAmt | 0 | 862 |
| IRS990EZ/PoliticalCampaignActyInd | 0 | 0 |
| IRS990EZ/PrimaryExemptPurposeTxt | 0 | BUSINESS LEAGUE FOR REALTORS |
| IRS990EZ/PrintingPublicationsPostageAmt | 0 | 81 |
| IRS990EZ/ProgramServiceRevenueAmt | 0 | 17388 |
| IRS990EZ/ProgramSrvcAccomplishmentGrp/DescriptionProgramSrvcAccomTxt | 0 | DINNER MEETINGS, SEMINARS, CONTINUING EDUCATION FOR MEMBERS OF THE BUSINESS LEAGUE, AND OTHER ANCILLARY SERVICES TO MEMBERS |
| IRS990EZ/ProgramSrvcAccomplishmentGrp/GrantsAndAllocationsAmt | 0 | 0 |
| IRS990EZ/ProgramSrvcAccomplishmentGrp/ProgramServiceExpensesAmt | 0 | 77380 |
| IRS990EZ/ProhibitedTaxShelterTransInd | 0 | 0 |
| IRS990EZ/RelatedOrganizationCtrlEntInd | 0 | 0 |
| IRS990EZ/SalariesOtherCompEmplBnftAmt | 0 | 39596 |
| IRS990EZ/ScheduleBNotRequiredInd | 0 | X |
| IRS990EZ/StatesWhereCopyOfReturnIsFldCd | 0 | MD |
| IRS990EZ/SubjectToProxyTaxInd | 0 | 0 |
| IRS990EZ/SumOfTotalLiabilitiesGrp/BOYAmt | 0 | 3508 |
| IRS990EZ/SumOfTotalLiabilitiesGrp/EOYAmt | 0 | 1232 |
| IRS990EZ/TanningServicesProvidedInd | 0 | 0 |
| IRS990EZ/TotalExpensesAmt | 0 | 77380 |
| IRS990EZ/TotalProgramServiceExpensesAmt | 0 | 77380 |
| IRS990EZ/TotalRevenueAmt | 0 | 76445 |
| IRS990EZ/TypeOfOrganizationCorpInd | 0 | X |
| IRS990EZ/WebsiteAddressTxt | 0 | WWW.GCBR.ORG |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 0 | DESCRIPTION: LATE FEES. AMOUNT: 784. DESCRIPTION: CREDIT CARD REWARDS. AMOUNT: 78. TOTAL TO FORM 990-EZ, LINE 8: 862. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 1 | DESCRIPTION: DEPRECIATION. AMOUNT: 8,306. DESCRIPTION: OTHER EXPENSES. AMOUNT: 5,400. TOTAL TO FORM 990-EZ, LINE 14: 13,706. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 2 | DESCRIPTION: WORKERS COMPENSATION EXPENSE. AMOUNT: 543. DESCRIPTION: MERCHANT FEES. AMOUNT: 1,135. DESCRIPTION: OFFICE SUPPLIES. AMOUNT: 1,898. DESCRIPTION: INSURANCE EXPENSE. AMOUNT: 698. DESCRIPTION: TELEPHONE/INTERNET. AMOUNT: 2,181. DESCRIPTION: WEBSITE HOSTING EXPENSE. AMOUNT: 290. DESCRIPTION: LEGAL FEES. AMOUNT: 3,000. DESCRIPTION: SPONSORSHIPS. AMOUNT: 615. DESCRIPTION: TRAINING EXPENSE. AMOUNT: 625. DESCRIPTION: TRAVEL GAD. AMOUNT: 75. DESCRIPTION: TRAVEL EXPENSE. AMOUNT: 3,058. DESCRIPTION: AWARDS AND RECOGNITION. AMOUNT: 531. DESCRIPTION: CONTRACTED SERVICES. AMOUNT: 1,398. DESCRIPTION: EDUCATION EXPENSE. AMOUNT: 290. DESCRIPTION: INTEREST EXPENSE. AMOUNT: 38. DESCRIPTION: EMPLOYER PAYROLL TAXES. AMOUNT: 3,097. TOTAL TO FORM 990-EZ, LINE 16: 19,472. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 3 | DESCRIPTION: FORM 990-T. AMOUNT: 3,519. DESCRIPTION: ROUNDING. AMOUNT: 1. TOTAL TO FORM 990-EZ, LINE 20: 3,520. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 4 | DESCRIPTION: NAR A/P. BEG. OF YEAR AMOUNT: 110,000. END OF YEAR AMOUNT: 110,000. DESCRIPTION: CETERA INVESTMENT ACCOUNT. BEG. OF YEAR AMOUNT: 77,125. END OF YEAR AMOUNT: 79,469. DESCRIPTION: OTHER DEPRECIABLE ASSETS. BEG. OF YEAR AMOUNT: 35,457. END OF YEAR AMOUNT: 27,151. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 5 | DESCRIPTION: ACCRUED PAYROLL/DUES. BEG. OF YEAR AMOUNT: 1,386. END OF YEAR AMOUNT: 908. DESCRIPTION: CREDIT CARD PAYABLE. BEG. OF YEAR AMOUNT: 2,122. END OF YEAR AMOUNT: 324. |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 0 | FORM 990-EZ, PART I, LINE 8 - OTHER REVENUE |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 1 | FORM 990-EZ, PART I, LINE 14 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 2 | FORM 990-EZ, PART I, LINE 16 - OTHER EXPENSES |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 3 | FORM 990-EZ, PART I, LINE 20 - OTHER CHANGES IN NET ASSETS |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 4 | FORM 990-EZ, PART II, LINE 24 - OTHER ASSETS |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 5 | FORM 990-EZ, PART II, LINE 26 - OTHER LIABILITIES |
| TransferPrsnlBnftContractsDecl/DeclarationDesc | 0 | THE ORGANIZATION DID NOT, DURING THE YEAR, RECEIVE ANY FUNDS, DIRECTLY,OR INDIRECTLY, TO PAY PREMIUMS ON A PERSONAL BENEFIT CONTRACT.THE ORGANIZATION, DID NOT, DURING THE YEAR, PAY ANY PREMIUMS, DIRECTLY,OR INDIRECTLY, ON A PERSONAL BENEFIT CONTRACT. |
| ReturnHeader/BuildTS | 0 | 2025-03-06 01:10:19Z |
| ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd | 0 | 1 |
| ReturnHeader/BusinessOfficerGrp/PersonNm | 0 | BRYAN CHANEY |
| ReturnHeader/BusinessOfficerGrp/PersonTitleTxt | 0 | PRESIDENT |
| ReturnHeader/BusinessOfficerGrp/PhoneNum | 0 | 3013348405 |
| ReturnHeader/BusinessOfficerGrp/SignatureDt | 0 | 2025-11-13 |
| ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt | 0 | GARRETT COUNTY BOARD OF REALTORS INC |
| ReturnHeader/Filer/BusinessNameControlTxt | 0 | GARR |
| ReturnHeader/Filer/EIN | 0 | 521323476 |
| ReturnHeader/Filer/PhoneNum | 0 | 3013348405 |
| ReturnHeader/Filer/USAddress/AddressLine1Txt | 0 | 685 MOSSER ROAD BLDG 100 120 |
| ReturnHeader/Filer/USAddress/CityNm | 0 | MCHENRY |
| ReturnHeader/Filer/USAddress/StateAbbreviationCd | 0 | MD |
| ReturnHeader/Filer/USAddress/ZIPCd | 0 | 21541 |
| ReturnHeader/IRSResponsiblePrtyInfoCurrInd | 0 | 0 |
| ReturnHeader/PreparerFirmGrp/PreparerFirmEIN | 0 | 522387995 |
| ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt | 0 | BOAL & ASSOCIATES PC |
| ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt | 0 | 317 EAST OAK STREET |
| ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm | 0 | OAKLAND |
| ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd | 0 | MD |
| ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd | 0 | 21550 |
| ReturnHeader/PreparerPersonGrp/PhoneNum | 0 | 3013344007 |
| ReturnHeader/PreparerPersonGrp/PreparationDt | 0 | 2025-11-13 |
| ReturnHeader/PreparerPersonGrp/PreparerPersonNm | 0 | BRIAN R BOAL |
| ReturnHeader/ReturnTs | 0 | 2025-11-26T11:20:41-06:00 |
| ReturnHeader/ReturnTypeCd | 0 | 990EZ |
| ReturnHeader/TaxPeriodBeginDt | 0 | 2024-11-01 |
| ReturnHeader/TaxPeriodEndDt | 0 | 2025-10-31 |
| ReturnHeader/TaxYr | 0 | 2024 |
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