WIDNER MUTUAL FIRE INS ASSN (EIN 351066427) - 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

1983

Legal Domicile

Principal Officer

WILLIAM ALBRECHT

Phone

8123282133

Tax Period

2023-01-01 to 2023-12-31

WIDNER MUTUAL FIRE INS ASSN, founded in 1983, is a small nonprofit that reported $438K in total revenue in fiscal year 2023. The organization ran a surplus of $174K, a strong 40% operating margin.

Mission

THE ENTITY IS A 501(C)(15)MUTUAL INSURANCE COMPANY

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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 $0

Program Service Revenue $252,300

Investment Income $185,292

Other Revenue $0

TOTAL REVENUE $437,592

Expense Breakdown

Grants Paid $0

Salaries & Benefits $72,863

Fundraising Expenses $0

Program Expenses $263,353

Other Expenses $190,490

TOTAL EXPENSES $263,353

Year-over-Year Comparison

	2023	2022	Change
Revenue	$437,592	$447,315	0.0%
Expenses	$263,353	$314,692	-0.2%
Net Income	$174,239	$132,623	+0.3%

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

Employees

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

$4,725

Total Directors

$13,850

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
DON PIPER	DIRECTOR	1.00	Director	$1,200	$0	$1,200
BYRON HARTING	DIRECTOR	1.00	Director	$1,200	$0	$1,200
HARLEY HAGEMEIER	DIRECTOR	1.00	Director	$1,125	$0	$1,125
BRUCE PEPMEIER	VICE PRES.	1.00	Officer Director	$1,950	$0	$1,950
DENNIS KAHRE	DIRECTOR	1.00	Director	$1,250	$0	$1,250
WILLIAM ALBRECHT	PRESIDENT	5.00	Officer Director	$2,775	$0	$2,775
JOHN TELLIGMAN	DIRECTOR	1.00	Director	$1,200	$0	$1,200
TERRY PERKINS	DIRECTOR	1.00	Director	$1,200	$0	$1,200
CYNTHIA SCHUCKMAN	SEC/TREAS	25.00	Director	$900	$0	$900
KYLE TELLIGMAN	DIRECTOR	1.00	Director	$1,050	$0	$1,050

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
2023	$437,592	$263,353	$4,123,911	$174,239
2022	$447,315	$314,692	$3,961,395	$132,623
2021	$472,736	$262,951	$3,820,124	$209,785
2020	$401,266	$296,767	$3,622,326	$104,499
2019	$408,250	$224,954	$3,520,926	$183,296
2018	$391,721	$195,951	$3,340,605	$195,770

WIDNER MUTUAL FIRE INS ASSN