OHIO TITLE INSURANCE RATING BUREAU INC (EIN 311333436) - 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

1991

Legal Domicile

Principal Officer

JOSEPH L PETRELLI

Phone

6147618602

Tax Period

2024-01-01 to 2024-12-31

OHIO TITLE INSURANCE RATING BUREAU INC, founded in 1991, is a small nonprofit in the Mutual Benefit sector that reported $173K in total revenue in fiscal year 2024. Net assets of $618K represent 43 months of operating reserves.

Mission

OBTAIN, COMPILE, AND ANALYZE STATISTICAL AND OTHER DATA FOR THE PURPOSE OF PUBLISHING AND FILING TITLE INSURANCE RATES AND FORMS ON BEHALF OF ITS MEMBERS AND SUBSCRIBERS.

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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 $0

Investment Income $108

Other Revenue $173,097

TOTAL REVENUE $173,205

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $183,023

Other Expenses $183,023

TOTAL EXPENSES $183,023

Year-over-Year Comparison

	2024	2023	Change
Revenue	$173,205	$172,954	+0.0%
Expenses	$183,023	$115,552	+0.6%
Net Income	$-9,818	$57,402	-1.2%

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

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

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
KAREN BARNETT	DIRECTOR	0.50	Director	$0	$0	$0
KEVIN F EICHNER	RATES COMITTEE CHAIR	3.00	Officer Director	$0	$0	$0
FRANK ROSE III	PRESIDENT/BY-LAWS COMMITTE	3.00	Officer Director	$0	$0	$0
ELIZABETH J WYSONG BERG	DIRECTOR	0.50	Director	$0	$0	$0
JODY K ROGOW	DIRECTOR	0.50	Director	$0	$0	$0
DON DELGADO	DIRECTOR	0.50	Director	$0	$0	$0
ROBERT B HOLMAN ESQ	DIRECTOR	0.50	Director	$0	$0	$0
BILL BURDING	DIRECTOR	0.50	Director	$0	$0	$0
GEORGE NAUMOFF	DIRECTOR	0.50	Director	$0	$0	$0
KELLY A SPENGLER	AUDIT/FINANCE COMMITTEE CH	1.00	Officer Director	$0	$0	$0
PAMELA HUNTER	DIRECTOR	0.50	Director	$0	$0	$0
CHRIS HINTON	DIRECTOR	0.50	Director	$0	$0	$0
DANIELLE KAISER	VICE PRESIDENT	1.00	Officer Director	$0	$0	$0
SAMUEL SHELLHAAS	FORMS COMMITTEE CHAIR	2.00	Officer Director	$0	$0	$0
VALERIE JAHN-GRANDIN	DIRECTOR	0.50	Director	$0	$0	$0
RACHEL RYAN	DIRECTOR	0.50	Director	$0	$0	$0
MARY SHELLEY	DIRECTOR	0.50	Director	$0	$0	$0
REBECCA RADABAUGH	DIRECTOR	0.50	Director	$0	$0	$0
RICHARD HOGAN	DIRECTOR	0.50	Director	$0	$0	$0
JENNIFER L HAILES	DIRECTOR	0.50	Director	$0	$0	$0
BRANDIN MCMILLEN	DIRECTOR	0.50	Director	$0	$0	$0
TIM DONOVAN	DIRECTOR	0.50	Director	$0	$0	$0
DEBORAH A MCDONALD	DIRECTOR	1.00	Director	$0	$0	$0
BETH PAUL	DIRECTOR	0.50	Director	$0	$0	$0
THEODORE C ROGERS	DIRECTOR	0.50	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
2024	$173,205	$183,023	$628,639	$-9,818
2023	$172,954	$115,552	$627,501	$57,402
2022	$172,117	$138,280	$570,099	$33,837
2021	$161,685	$137,144	$536,262	$24,541
2020	$173,765	$121,804	$511,721	$51,961

OHIO TITLE INSURANCE RATING BUREAU INC