226 SOUTH MAIN ST TITLE HOLDING CO INC (EIN 050474990) - Form 990 Financial Analysis & Trantor Score

🔒

Financial Vulnerability Assessment (Tuckman-Chang)

4 risk indicators measuring financial stability and operational resilience

Sign in with your work email to view Tuckman-Chang indicators

Financial Trends

Organization Details

Formation Year

1993

Legal Domicile

Phone

4014217800

Tax Period

2025-01-01 to 2025-12-31

226 SOUTH MAIN ST TITLE HOLDING CO INC, founded in 1993, is a small nonprofit that reported $278K in total revenue in fiscal year 2025. Net assets of $1.4M represent 62 months of operating reserves.

Mission

REAL ESTATE TITLE HOLDING COMPANY FOR TWO EXEMPT ORGANIZATIONS

🔒

Trantor Score

Financial Health Score (300–850) · Liquidity · Solvency · Sustainability · Efficiency

Sign in to view Trantor Score and financial metrics

Liquidity (40%) • Solvency (30%) • Sustainability (20%) • Efficiency (10%)

Financial Overview (2025)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $277,517

Investment Income $0

Other Revenue $0

TOTAL REVENUE $277,517

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Other Expenses $275,494

TOTAL EXPENSES $275,494

Year-over-Year Comparison

	2025	2024	Change
Revenue	$277,517	$277,543	0.0%
Expenses	$275,494	$287,300	0.0%
Net Income	$2,023	$-9,757	-1.2%

Key Indicators

✗ Grants to Organizations ✗ Grants to Individuals ✗ Lobbying ✗ Political Activity ✗ Foreign Activities ✗ Donor Advised Fund ✗ Schedule B Required

🔒

Financial Health Indicators

Comprehensive financial analysis: Altman Z-Score, liquidity, solvency, sustainability, efficiency, and growth metrics

Financial Distress Indicator

Liquidity & Cash Position

Sign in to view all financial metrics

Altman Z-Score • Liquidity Ratios • Solvency Analysis • Growth Indicators • Efficiency Metrics

Governance

Voting Members

Independent Members

N/A

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

$445,414

Total Directors

$445,414

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
RONALD COIA	Director/Pres	1.00	Officer Director	$0	$132,453	$424,336
TIMOTHY WALSH	Director/Treas	1.00	Officer Director	$0	$4,716	$21,078
VICKI VIRGILIO	Director/VP/Sec	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
2025	$277,517	$275,494	$1,553,796	$2,023
2024	$277,543	$287,300	$1,575,021	$-9,757
2024	$277,543	$287,300	$1,575,021	$-9,757
2023	$277,620	$251,174	$1,560,753	$26,446
2022	$277,620	$266,164	$1,581,390	$11,456
2021	$284,516	$274,794	$1,582,160	$9,722
2020	$283,868	$273,704	$1,558,581	$10,164
2019	$279,642	$264,821	$1,480,812	$14,821
2018	$289,930	$274,797	$1,508,312	$15,133

226 SOUTH MAIN ST TITLE HOLDING CO INC