NEW BEGINNINGS TITLE HOLDING COMPANY (EIN 472630460) - 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

2014

Legal Domicile

Principal Officer

DELWIN RETTIG

Phone

9798360397

Tax Period

2019-01-01 to 2019-12-31

NEW BEGINNINGS TITLE HOLDING COMPANY, founded in 2014, is a micro nonprofit that reported $89K in total revenue in fiscal year 2019. Revenue decreased 7% compared to the prior year. Expenses of $373K exceeded revenue, resulting in a 318% operating deficit.

Mission

EXCLUSIVELY FOR THE PURPOSE OF HOLDING TITLE TO PROPERTY, COLLECTING INCOME THEREFROM AND TURNING OVER THE ENTIRE AMOUNT LESS EXPENSES, TO NEW BEGINNINGS LIFE MINSITRIES, A NOT FOR PROFIT ORGANIZATION (EIN 74-3023740).

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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 (2019)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $89,146

Investment Income $0

Other Revenue $0

TOTAL REVENUE $89,146

Expense Breakdown

Grants Paid $312,807

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $372,754

Other Expenses $59,947

TOTAL EXPENSES $372,754

Year-over-Year Comparison

	2019	2018	Change
Revenue	$89,146	$96,261	-0.1%
Expenses	$372,754	$38,948	+8.6%
Net Income	$-283,608	$57,313	-5.9%

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

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
HELEN HARRIS	DIRECTOR	1.00	Director	$0	$0	$0
SHANE NELSON	DIRECTOR	1.00	Director	$0	$0	$0
DELWIN RETTIG	PRESIDENT	4.00	Officer 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
2019	$89,146	$372,754	No data	$-283,608
2018	$96,261	$38,948	$702,325	$57,313

NEW BEGINNINGS TITLE HOLDING COMPANY