TENNESSEE LAND TITLE ASSOCIATION (EIN 621195178) - 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

1976

Legal Domicile

Principal Officer

SHENITA BAKER

Phone

6154617241

Tax Period

2024-06-01 to 2025-05-31

TENNESSEE LAND TITLE ASSOCIATION, founded in 1976, is a small nonprofit that reported $239K in total revenue in fiscal year 2024. Revenue grew 13% year-over-year, indicating healthy expansion. Expenses of $204K left a modest 14% surplus.

Mission

PROMOTE WELFARE OF TITLE INDUSTRY

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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 $99,682

Program Service Revenue $134,247

Investment Income $4,895

Other Revenue $0

TOTAL REVENUE $238,824

Expense Breakdown

Grants Paid $0

Salaries & Benefits $56,616

Fundraising Expenses $0

Program Expenses $192,902

Other Expenses $147,624

TOTAL EXPENSES $204,240

Year-over-Year Comparison

	2024	2023	Change
Revenue	$238,824	$211,147	+0.1%
Expenses	$204,240	$239,110	-0.1%
Net Income	$34,584	$-27,963	-2.2%

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

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

$52,583

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
LISA MCNAMARA	EXECUTIVE DI	40.00	Director	$52,583	$0	$52,583
CARMEN ADAMS	DIRECTOR	N/A	Director	$0	$0	$0
TAMMY PEARSON	DIRECTOR	N/A	Director	$0	$0	$0
CHRIS PEUGEOT	DIRECTOR	N/A	Director	$0	$0	$0
CHASE RENO	DIRECTOR	N/A	Director	$0	$0	$0
SHONDA THURMAN	PRESIDENT EL	N/A	Officer Director	$0	$0	$0
SHENITA BAKER	PRESIDENT	N/A	Officer	$0	$0	$0
TABITHA KING	PAST PRESIDE	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	$238,824	$204,240	$273,430	$34,584
2024	$211,147	$239,110	$238,528	$-27,963
2023	$226,965	$185,601	$267,009	$41,364
2022	$226,489	$190,818	$226,401	$35,671
2021	$166,879	$133,355	$189,816	$33,524
2020	$136,791	$156,096	$157,097	$-19,305
2019	$157,665	$176,985	$174,993	$-19,320

TENNESSEE LAND TITLE ASSOCIATION