TITLE INSURANCE RATING BUREAU OF PENNSYLVANIA (EIN 233003238) - 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

1997

Legal Domicile

Principal Officer

KAREN MAYEROS

Phone

6109959995

Tax Period

2025-01-01 to 2025-12-31

TITLE INSURANCE RATING BUREAU OF PENNSYLVANIA, founded in 1997, is a small nonprofit in the Community Improvement sector that reported $312K in total revenue in fiscal year 2025. Revenue grew 18% year-over-year, indicating healthy expansion. The organization ran a surplus of $48K, a strong 15% operating margin.

Mission

TO QUALIFY AND OPERATE AS A LICENSED TITLE INSURANCE RATING ORGANIZATION PURSUANT TO ARTICLE VII OF THE PENNSYLVANIA INSURANCE COMPANY LAW OF 1921 AS AMENDED.

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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 (2025)

Revenue Breakdown

Contributions & Grants $311,872

Program Service Revenue $0

Investment Income $9

Other Revenue $0

TOTAL REVENUE $311,881

Expense Breakdown

Grants Paid $0

Salaries & Benefits $82,736

Fundraising Expenses $0

Program Expenses $243,744

Other Expenses $180,984

TOTAL EXPENSES $263,720

Year-over-Year Comparison

	2025	2024	Change
Revenue	$311,881	$264,658	+0.2%
Expenses	$263,720	$209,758	+0.3%
Net Income	$48,161	$54,900	-0.1%

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

$76,608

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
N/A	ESSENT TITLE INSURANCE, INC.	0.25		$0	$0	$0
N/A	AMERICAN GUARANTY TITLE IN	0.25		$0	$0	$0
N/A	AMTRUST TITLE INSURANCE CO	0.25		$0	$0	$0
N/A	CATIC TITLE INSURANCE COMP	0.25		$0	$0	$0
N/A	CHICAGO TITLE INSURANCE CO	0.25		$0	$0	$0
N/A	COMMONWEALTH LAND TITLE IN	0.25		$0	$0	$0
N/A	GENERAL TITLE INSURANCE CO	0.25		$0	$0	$0
N/A	INVESTORS TITLE INSURANCE	0.25		$0	$0	$0
N/A	DOMA TITLE INSURANCE INC	0.00		$0	$0	$0
N/A	PREMIER LAND TITLE INSURAN	0.25		$0	$0	$0
N/A	STEWART TITLE GUARANTY COM	0.25		$0	$0	$0
N/A	THE SECURITY TITLE GUARANT	0.25		$0	$0	$0
N/A	TITLE RESOURCE GUARANTY CO	0.25		$0	$0	$0
N/A	US NATIONAL TITLE INSURANC	0.25		$0	$0	$0
N/A	WESTCOR LAND TITLE INSURAN	0.25		$0	$0	$0
N/A	WFG NATIONAL TITLE INSURAN	0.25		$0	$0	$0
N/A	ALLIANT NATIONAL TITLE INS	0.25		$0	$0	$0
N/A	AMERICAN DIGITAL TITLE INS	0.25		$0	$0	$0
N/A	FIRST NATIONAL TITLE INSUR	0.25		$0	$0	$0
LISA MCENTEE	FIDELITY NATIONAL TITLE IN	0.50	Officer	$0	$0	$0
LYNN GRETO	FIRST AMERICAN TITLE INSUR	0.50	Officer	$0	$0	$0
LISA MCENTEE	NATIONAL TITLE INSURANCE	0.50	Officer	$0	$0	$0
TODD ROWE	OLD REPUBLIC NATIONAL TITL	0.50	Officer	$0	$0	$0
KAREN MAYEROS	EXECUTIVE DIRECTOR	20.00	Officer	$76,608	$0	$76,608

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	$311,881	$263,720	$141,644	$48,161
2024	$264,658	$209,758	$91,314	$54,900
2023	$274,474	$250,719	$56,236	$23,755
2022	$284,828	$324,646	$32,309	$-39,818
2021	$228,732	$305,170	$108,515	$-76,438
2020	$235,040	$225,383	$170,319	$9,657
2019	$291,824	$322,714	$128,700	$-30,890
2018	$351,167	$277,035	$152,653	$74,132

TITLE INSURANCE RATING BUREAU OF PENNSYLVANIA