NEW JERSEY LAND TITLE INSURANCE RATING BUREAU C/O M CROWLEY-UNSINN (EIN 237453269) - 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

1975

Legal Domicile

Principal Officer

MAUREEN CROWLEY UNSINN

Phone

7324627170

Tax Period

2024-01-01 to 2024-12-31

NEW JERSEY LAND TITLE INSURANCE RATING BUREAU C/O M CROWLEY-UNSINN, founded in 1975, is a micro nonprofit that reported $59K in total revenue in fiscal year 2024. Revenue fell 52% from the prior year — a significant decline worth monitoring. Expenses of $56K left a modest 6% surplus.

Mission

PREPARING AND SUBMITTING TITLE INSURANCE FORMS AND RATES ON BEHALF OF MEMBERS FOR REVIEW AND APPROVAL BY STATE OF NEW JERSEY AND COLLECTING FINANCIAL AND STATISTICAL DATA FOR SUBMISSION TO THE STATE OF NEW JERSEY.

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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 $0

Program Service Revenue $59,373

Investment Income $0

Other Revenue $0

TOTAL REVENUE $59,373

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $54,664

Other Expenses $55,914

TOTAL EXPENSES $55,914

Year-over-Year Comparison

	2024	2023	Change
Revenue	$59,373	$122,784	-0.5%
Expenses	$55,914	$73,282	-0.2%
Net Income	$3,459	$49,502	-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

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

$8,333

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
MAUREEN CROWLEY UNSINN	GENERAL MGR	7.00	Officer	$8,333	$0	$8,333

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	$59,373	$55,914	$59,469	$3,459
2023	$122,784	$73,282	$56,010	$49,502
2022	$81,448	$108,415	$6,508	$-26,967
2021	$33,796	$59,923	$33,475	$-26,127
2020	$73,459	$67,213	$59,602	$6,246
2019	$51,993	$47,181	$53,356	$4,812
2018	$34,895	$53,986	$48,544	$-19,091

NEW JERSEY LAND TITLE INSURANCE RATING BUREAU C/O M CROWLEY-UNSINN