NORTH CAROLINA TITLE INSURANCE RATING BUREAU (EIN 561918629) - 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

1995

Legal Domicile

Principal Officer

T KARL KNIGHT

Phone

3362525339

Tax Period

2024-12-01 to 2025-11-30

NORTH CAROLINA TITLE INSURANCE RATING BUREAU, founded in 1995, is a micro nonprofit that reported $53K in total revenue in fiscal year 2024. Revenue surged 54% from the prior year, signaling strong growth momentum. Expenses of $68K exceeded revenue, resulting in a 29% operating deficit.

Mission

OPERATE TITLE INSURANCE RATING BUREAU IN NORTH CAROLINA

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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 $52,500

Investment Income $4

Other Revenue $0

TOTAL REVENUE $52,504

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $60,385

Other Expenses $67,766

TOTAL EXPENSES $67,766

Year-over-Year Comparison

	2024	2023	Change
Revenue	$52,504	$34,128	+0.5%
Expenses	$67,766	$32,036	+1.1%
Net Income	$-15,262	$2,092	-8.3%

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

N/A

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
ROBERT BAUCHLE	VICE-PRESIDE	N/A	Officer	$0	$0	$0
DARCY E COMSTOCK	SECRETARY	N/A	Officer	$0	$0	$0
T KARL KNIGHT	PRESIDENT	N/A	Officer	$0	$0	$0
TRACI L WATSON	TREASURER	N/A	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	$52,504	$67,766	$5,191	$-15,262
2024	$34,128	$32,036	$20,453	$2,092
2023	$34,162	$88,322	$18,361	$-54,160
2022	$67,559	$60,414	$72,521	$7,145
2021	$69,958	$57,573	$65,376	$12,385
2020	$85,957	$66,885	$52,991	$19,072
2019	$68,503	$62,080	$33,919	$6,423
2018	$80,004	$65,535	$27,496	$14,469

NORTH CAROLINA TITLE INSURANCE RATING BUREAU