ST CELESTINE MUTUAL FIRE INSURANCE COMP (EIN 351409936) - 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

1905

Legal Domicile

Principal Officer

EDWARD RECKELHOFF

Phone

3175521189

Tax Period

2023-01-01 to 2023-12-31

ST CELESTINE MUTUAL FIRE INSURANCE COMP, founded in 1905, is a small nonprofit that reported $159K in total revenue in fiscal year 2023. Revenue surged 38% from the prior year, signaling strong growth momentum. Expenses of $152K left a modest 4% surplus.

Mission

THE SOLE ACTIVITY OF THE EXEMPT ORGANIZATION IS THE OPERATION OF A 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 $121,405

Investment Income $37,739

Other Revenue $0

TOTAL REVENUE $159,144

Expense Breakdown

Grants Paid $0

Salaries & Benefits $24,500

Fundraising Expenses $0

Program Expenses $152,274

Other Expenses $127,774

TOTAL EXPENSES $152,274

Year-over-Year Comparison

	2023	2022	Change
Revenue	$159,144	$115,700	+0.4%
Expenses	$152,274	$235,775	-0.4%
Net Income	$6,870	$-120,075	-1.1%

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

300

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

$17,000

Total Directors

$10,000

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
JEFF SANDER	PRESIDENT/DIRECTOR	2.00	Officer Director	$2,500	$0	$2,500
LINUS SENNINGER	DIRECTOR	2.00	Director	$2,500	$0	$2,500
SEAN MURRAY	PRESIDENT/DIRECTOR	2.00	Officer Director	$0	$0	$0
DELORES ROLF	DIRECTOR	2.00	Director	$2,500	$0	$2,500
EDWARD HARPER	DIRECTOR	2.00	Director	$2,500	$0	$2,500
SCOTT PIPER	DIRECTOR	2.00	Director	$0	$0	$0
EDWARD RECKELHOFF	SECRETARY/TREASURER	2.00	Officer	$2,500	$0	$2,500
KAREN SANDER	SECRETARY/TREASURER	5.00	Officer	$12,000	$0	$12,000

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	No data	No data	No data	No data
2024	No data	No data	No data	No data
2023	$159,144	$152,274	$1,048,537	$6,870
2022	$115,700	$235,775	$979,189	$-120,075
2021	$147,252	$117,368	$1,099,671	$29,884
2020	$130,094	$135,767	$1,070,494	$-5,673

ST CELESTINE MUTUAL FIRE INSURANCE COMP