PENNSYLVANIA LAND TITLE ASSOCIATION (EIN 236394229) - 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

1921

Legal Domicile

Phone

6102655980

Tax Period

2025-01-01 to 2025-12-31

PENNSYLVANIA LAND TITLE ASSOCIATION, founded in 1921, is a small nonprofit that reported $665K in total revenue in fiscal year 2025. Revenue grew 15% year-over-year, indicating healthy expansion. Expenses of $737K exceeded revenue, resulting in a 11% operating deficit.

Mission

THE PENNSYLVANIA LAND TITLE ASSOCIATION IS A TRADE ASSOCIATION FOR THE TITLE INSURANCE INDUSTRY IN PENNSYLVANIA. PLTA REPRESENT THE TITLE AGENTS AND AGENCIES, TITLE INSURANCE UNDERWRITERS, REAL ESTATE ATTORNEYS AND OTHER REAL ESTATE PROFESSIONALS THROUGHOUT THE STATE OF PA.

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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 $2,385

Program Service Revenue $461,217

Investment Income $12,120

Other Revenue $189,000

TOTAL REVENUE $664,722

Expense Breakdown

Grants Paid $0

Salaries & Benefits $301,584

Fundraising Expenses $0

Program Expenses $593,886

Other Expenses $435,640

TOTAL EXPENSES $737,224

Year-over-Year Comparison

	2025	2024	Change
Revenue	$664,722	$579,947	+0.1%
Expenses	$737,224	$630,790	+0.2%
Net Income	$-72,502	$-50,843	+0.4%

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

$115,730

Total Directors

$115,730

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
ROBIN KELSH	EXECUTIVE DIRECTOR	20.00	Officer Director	$0	$0	$115,730
EMANUEL CHRYSSOS ESQ ALTP	PRESIDENT	5.00	Officer Director	$0	$0	$0
SHONNA CARDELLO CLTP NTP	VICE PRESIDENT	5.00	Officer Director	$0	$0	$0
BRIAN FOLEY CLTP	TREASURER	5.00	Officer Director	$0	$0	$0
EVELYN STILELL CLTP	SECRETARY	5.00	Officer Director	$0	$0	$0
CARRIE MANN ESQ CLTP	PAST PRESIDENT	0.00		$0	$0	$0
TODD ROWE ESQ CLTP	PAST PRESIDENT	0.00		$0	$0	$0
TAAMAR HERBERT CLTP	PAST PRESIDENT	0.00		$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	$664,722	$737,224	$553,044	$-72,502
2024	$579,947	$630,790	$626,894	$-50,843
2023	$683,432	$676,869	$678,852	$6,563
2022	$659,621	$676,898	$675,460	$-17,277
2021	$769,342	$705,586	$692,132	$63,756
2020	$477,524	$474,463	$626,934	$3,061
2019	$630,577	$586,701	$621,034	$43,876
2018	$597,620	$520,094	$583,449	$77,526

PENNSYLVANIA LAND TITLE ASSOCIATION