INDIANA FARM BUREAU ST JOSEPH COUNTY FARM BUREAU INC (EIN 350845580) - 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

1945

Legal Domicile

Principal Officer

SUE KEMBLE

Phone

3176927851

Tax Period

2023-11-01 to 2024-10-31

INDIANA FARM BUREAU ST JOSEPH COUNTY FARM BUREAU INC, founded in 1945, is a micro nonprofit that reported $80K in total revenue in fiscal year 2023. The organization ran a surplus of $28K, a strong 35% operating margin.

Mission

REPRESENT THE FARMER'S VOICE ON ISSUES RELATED TO AGRICULTURE, EDUCATE THE CONSUMER ANDPROMOTE FARM PRODUCTS, KEEP MEMBERS ABREAST OF POLICIES AND NEW DEVELOPMENTS.

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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 $32,591

Program Service Revenue $0

Investment Income $47,433

Other Revenue $0

TOTAL REVENUE $80,024

Expense Breakdown

Grants Paid $9,213

Salaries & Benefits $9,492

Fundraising Expenses $0

Other Expenses $33,314

TOTAL EXPENSES $52,019

Year-over-Year Comparison

	2023	2022	Change
Revenue	$80,024	$82,271	0.0%
Expenses	$52,019	$47,449	+0.1%
Net Income	$28,005	$34,822	-0.2%

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

$7,000

Total Directors

$7,000

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
SUE KEMBLE	PRESIDENT	5.00	Officer Director	$2,000	$0	$2,000
RICHARD LICHTENBARGER	VICE PRESIDENT	3.00	Officer Director	$1,500	$0	$1,500
SHARON SCHAFER	SECRETARY/TREASURER	4.00	Officer Director	$1,500	$0	$1,500
TONI SHAFER	CEOC	4.00	Officer Director	$2,000	$0	$2,000
JENNIFER BERGER	DIRECTOR	1.00	Director	$0	$0	$0
KEVIN BROWN	DIRECTOR	1.00	Director	$0	$0	$0
BRYAN CLARK	DIRECTOR	1.00	Director	$0	$0	$0
ESTHER DEAKINS	DIRECTOR	1.00	Director	$0	$0	$0
JOSEPH FORD	DIRECTOR	1.00	Director	$0	$0	$0
CLAY GEYER	DIRECTOR	1.00	Director	$0	$0	$0
GRETCHEN KEEN	DIRECTOR	1.00	Director	$0	$0	$0
JAMES KEMBLE	DIRECTOR	1.00	Director	$0	$0	$0
LINDA KLECA	DIRECTOR	1.00	Director	$0	$0	$0
MARTIN LAPPIN	DIRECTOR	1.00	Director	$0	$0	$0
CHARLES LINDENMAN	DIRECTOR	1.00	Director	$0	$0	$0
NATHANIEL NESS	DIRECTOR	1.00	Director	$0	$0	$0
WHITNEY NESS	DIRECTOR	1.00	Director	$0	$0	$0
MICHAEL PALMER	DIRECTOR	1.00	Director	$0	$0	$0
RANDY REED	DIRECTOR	1.00	Director	$0	$0	$0
CALVIN SCHAFER	DIRECTOR	1.00	Director	$0	$0	$0
DEBORAH SCHAFER	DIRECTOR	1.00	Director	$0	$0	$0
GEORGE SCHAFER	DIRECTOR	1.00	Director	$0	$0	$0
MICHAEL SCHALLIOL	DIRECTOR	1.00	Director	$0	$0	$0
JOYCE SCHULTZ	DIRECTOR	1.00	Director	$0	$0	$0
SIDNEY SHAFER	DIRECTOR	1.00	Director	$0	$0	$0
OLIVIA WESTERN	DIRECTOR	1.00	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
2024	$80,024	$52,019	$1,708,442	$28,005
2023	$82,271	$47,449	$1,680,437	$34,822
2022	$75,672	$39,594	$1,645,615	$36,078
2021	$78,976	$46,927	$1,609,537	$32,049
2020	$75,856	$46,017	$1,577,488	$29,839
2019	$75,966	$50,736	$1,547,649	$25,230

INDIANA FARM BUREAU ST JOSEPH COUNTY FARM BUREAU INC