DELAWARE TITLE INSURANCE RATING BU… - Form 990 Financial Data

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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

2002

Legal Domicile

Principal Officer

KAREN MAYEROS

Phone

6109959995

Tax Period

2025-01-01 to 2025-12-31

DELAWARE TITLE INSURANCE RATING BUREAU, founded in 2002, is a small nonprofit in the Mutual Benefit sector that reported $231K in total revenue in fiscal year 2025. Revenue surged 45% from the prior year, signaling strong growth momentum. The organization ran a surplus of $112K, a strong 49% operating margin.

Mission

TO QUALIFY AND OPERATE AS A LICENSED TITLE INSURANCE RATING BUREAU PURSUANT TO 18 DEL CODE CH. 25

Program Service Accomplishments

Program 1

Expenses: $77,296

TO OPERATE AS A LICENSED TITLE INSURANCE RATING BUREAU PURSUANT TO 18 DEL CODE CH. 25. ON BEHALF OF MEMBERS FILED FOR APPROVAL ALL MANUAL OF CLASSIFICATIONS OF RATES, FEES AND SERVICES TO SUBJECT TO...

Program 2

Expenses: $38,424

TO ACT AS THE DESIGNATED STATISTICAL GATHERING AGENT OF THE DELAWARE INSURANCE DEPARTMENT IN SECURING, COMPILING AND ANALYZING STATISTICS PERTAINING TO TITLE INSURANCE FROM ALL MEMEBRS COMPANIES...

TO ACT AS THE DESIGNATED STATISTICAL GATHERING AGENT OF THE DELAWARE INSURANCE DEPARTMENT IN SECURING, COMPILING AND ANALYZING STATISTICS PERTAINING TO TITLE INSURANCE FROM ALL MEMEBRS COMPANIES AUTHORIZED TO DO BUSINESS IN DELAWARE.

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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 (2025)

Revenue Breakdown

Contributions & Grants $230,778

Program Service Revenue $0

Investment Income $0

Other Revenue $0

TOTAL REVENUE $230,778

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $115,720

Other Expenses $118,467

TOTAL EXPENSES $118,467

Year-over-Year Comparison

	2025	2024	Change
Revenue	$230,778	$159,208	+0.4%
Expenses	$118,467	$176,717	-0.3%
Net Income	$112,311	$-17,509	-7.4%

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
N/A	AMTRUST TITLE INSURANCE CO	0.25		$0	$0	$0
N/A	CHICAGO TITLE INSURANCE CO	0.25		$0	$0	$0
N/A	COMMONWEALTH LAND TITLE IN	0.25		$0	$0	$0
N/A	CONESTOGA TITLE INSURANCE	0.25		$0	$0	$0
N/A	INVESTORS TITLE INS CO	0.25		$0	$0	$0
N/A	DOMA TITLE INSURANCE, INC.	0.25		$0	$0	$0
N/A	STEWART TITLE GUARANTY CO	0.50		$0	$0	$0
N/A	OLD REPUBLIC NATIONAL TITL	0.25		$0	$0	$0
N/A	THE SECURITY TITLE GUARANT	0.25		$0	$0	$0
N/A	NATIONAL TITLE INS OF NEW	0.25		$0	$0	$0
N/A	WFG NATIONAL TITLE INS CO	0.25		$0	$0	$0
N/A	FIDELITY NATIONAL TITLE IN	0.25		$0	$0	$0
N/A	FIRST NATIONAL TITLE INSUR	0.25		$0	$0	$0
N/A	ESSENT TITLE INSURANCE, INC.	0.25		$0	$0	$0
N/A	TITLE RESOURCES GUARANTY C	0.25		$0	$0	$0
N/A	CONNECTICUT ATTORNEYS TITL	0.25		$0	$0	$0
DAVID CARDNER	FIRST AMERICAN TITLE INS C	0.50	Officer	$0	$0	$0
JEFFREY THOMPSON	WESTOR LAND TITLE INS CO	0.50	Officer	$0	$0	$0
KAREN MAYEROS	EXECUTIVE DIRECTOR	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	$230,778	$118,467	$168,325	$112,311
2024	$159,208	$176,717	$54,205	$-17,509
2023	$160,119	$100,158	$71,366	$59,961
2022	$136,980	$180,242	$40,997	$-43,262
2021	$130,750	$106,502	$78,208	$24,248
2020	$121,451	$131,752	$55,086	$-10,301
2019	$93,306	$124,495	$39,219	$-31,189
2018	$105,955	$101,378	$72,600	$4,577

DELAWARE TITLE INSURANCE RATING BUREAU