Thompson & Guilford Mutual Insurance Company (EIN 366110284) - Form 990 Financial Analysis & Trantor Score

🔒

Financial Vulnerability Assessment (Tuckman-Chang)

4 risk indicators measuring financial stability and operational resilience

Sign in with your work email to view Tuckman-Chang indicators

Financial Trends

Organization Details

Formation Year

1905

Legal Domicile

Principal Officer

Joel Holland

Phone

8158452325

Tax Period

2023-01-01 to 2023-12-31

Thompson & Guilford Mutual Insurance Company, founded in 1905, is a small nonprofit that reported $657K in total revenue in fiscal year 2023. Revenue grew 12% year-over-year, indicating healthy expansion. Expenses of $611K left a modest 7% surplus.

Mission

Mutual Insurance Company

🔒

Trantor Score

Financial Health Score (300–850) · Liquidity · Solvency · Sustainability · Efficiency

Sign in to view Trantor Score and financial metrics

Liquidity (40%) • Solvency (30%) • Sustainability (20%) • Efficiency (10%)

Financial Overview (2023)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $592,982

Investment Income $50,179

Other Revenue $14,140

TOTAL REVENUE $657,301

Expense Breakdown

Grants Paid $0

Salaries & Benefits $164,438

Fundraising Expenses $0

Other Expenses $252,380

TOTAL EXPENSES $611,060

Year-over-Year Comparison

	2023	2022	Change
Revenue	$657,301	$587,195	+0.1%
Expenses	$611,060	$454,364	+0.3%
Net Income	$46,241	$132,831	-0.7%

Key Indicators

✗ Grants to Organizations ✗ Grants to Individuals ✗ Lobbying ✗ Political Activity ✗ Foreign Activities ✗ Donor Advised Fund ✗ Schedule B Required

🔒

Financial Health Indicators

Comprehensive financial analysis: Altman Z-Score, liquidity, solvency, sustainability, efficiency, and growth metrics

Financial Distress Indicator

Liquidity & Cash Position

Sign in to view all financial metrics

Altman Z-Score • Liquidity Ratios • Solvency Analysis • Growth Indicators • Efficiency Metrics

Governance

Voting Members

Independent Members

N/A

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

$600

Total Directors

Key Employees

$72,000

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Steve Stadel	Secretary/Manager	020.00	Key Emp	$72,000	$0	$72,000
Joel Holland	President	001.00	Officer	$600	$0	$600
Zeke Winders	Director	000.01	Director	$0	$0	$0
David Heller	Director	000.01	Director	$0	$0	$0
Lisa Redington	Directror	000.01	Director	$0	$0	$0
Sharon Webster	Director	000.01	Director	$0	$0	$0
William Holland	Director	000.01	Director	$0	$0	$0
Emily Doland	Director	000.01	Director	$0	$0	$0
Dorothy Hammer	Assistant Secretary	000.01	Officer Director	$0	$0	$0
Ron Distler	Vice President	000.01	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	No data	No data	No data	No data
2024	No data	No data	No data	No data
2023	$657,301	$611,060	$1,518,420	$46,241
2022	$587,195	$454,364	$1,472,179	$132,831
2021	$554,823	$529,064	$1,339,348	$25,759
2020	$557,530	$352,492	$1,313,589	$205,038

Thompson & Guilford Mutual Insurance Company