Michigan Land Title Association (EIN 381991303) - 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

1972

Legal Domicile

Principal Officer

Brian Roberts

Tax Period

2023-01-01 to 2023-12-31

Michigan Land Title Association, founded in 1972, is a small nonprofit that reported $296K in total revenue in fiscal year 2023. Expenses of $362K exceeded revenue, resulting in a 23% operating deficit.

Mission

Educate Members On New Technology

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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 (2023)

Revenue Breakdown

Contributions & Grants $147,205

Program Service Revenue $145,353

Investment Income $3,126

Other Revenue $0

TOTAL REVENUE $295,684

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $229,468

Other Expenses $362,466

TOTAL EXPENSES $362,466

Year-over-Year Comparison

	2023	2022	Change
Revenue	$295,684	$295,651	+0.0%
Expenses	$362,466	$280,154	+0.3%
Net Income	$-66,782	$15,497	-5.3%

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

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
Lisa Rozmarniewicz	Director of Sales and Marketi	1.00	Director	$0	$0	$0
Kristen Dankert	Director	1.00	Director	$0	$0	$0
Debbie Haught	Vice President Operations	1.00	Director	$0	$0	$0
Cindy Immonen	VP Sr Account Manager	1.00	Director	$0	$0	$0
Amy E Zemple	Agency Services Manager	1.00	Director	$0	$0	$0
Wes Parkinson	Director	1.00	Director	$0	$0	$0
Marcy Lay	Executive Director	2.00	Director	$0	$0	$0
Jacquie Brink	Immediate Past President	2.00	Officer	$0	$0	$0
Brian Roberts	President	2.00	Officer	$0	$0	$0
Maura Snabes	Secretary-Treasurer	2.00	Officer	$0	$0	$0
David Martyn	President Elect	2.00	Officer	$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	No data	No data	No data	No data
2024	No data	No data	No data	No data
2023	$295,684	$362,466	$370,523	$-66,782
2022	$295,651	$280,154	$437,305	$15,497
2021	$221,016	$188,696	$421,808	$32,320
2020	$206,038	$203,037	$389,488	$3,001

Michigan Land Title Association