LOUISVILLE CLAY CTY FARMERS MUTUAL (EIN 370219578) - 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

1900

Legal Domicile

Tax Period

2021-01-01 to 2021-12-31

LOUISVILLE CLAY CTY FARMERS MUTUAL, founded in 1900, is a small nonprofit that reported $564K in total revenue in fiscal year 2021. The organization ran a surplus of $164K, a strong 29% operating margin.

Mission

PROVIDES FIRE AND WIND COVERAGE IN THE SURROUNDING COUNTIES AS PRESCRIBED BY THE ILLINOIS DEPARTMENT OF PROFESSIONAL REGULATION

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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 (2021)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $555,755

Investment Income $8,004

Other Revenue $0

TOTAL REVENUE $563,759

Expense Breakdown

Grants Paid $0

Salaries & Benefits $46,528

Fundraising Expenses $0

Program Expenses $400,232

Other Expenses $309,189

TOTAL EXPENSES $400,232

Year-over-Year Comparison

	2021	2020	Change
Revenue	$563,759	$536,685	+0.1%
Expenses	$400,232	$373,341	+0.1%
Net Income	$163,527	$163,344	+0.0%

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

$15,276

Total Directors

$36,320

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
JILL JOHNSON	MANAGER	40.00	Highest	$43,969	$0	$43,969
NYAL DICKEY	DIRECTOR	0.00	Director	$11,363	$0	$11,363
PAT QUINN	PRESIDENT	0.00	Officer Director	$7,574	$0	$7,574
SHELDON SMITH	DIRECTOR	0.00	Officer Director	$7,102	$0	$7,102
JOHN ZINK	DIRECTOR	0.00	Director	$6,517	$0	$6,517
ROGER HERDES	VICE PRESIDENT	0.00	Director	$2,864	$0	$2,864
KAREN WILLIAMS	SECRETARYTREASURER	0.00	Officer Director	$600	$0	$600
RANDY WELLS	DIRECTOR	0.00	Director	$300	$0	$300
VICKIE HENSON	DIRECTOR	0.00	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
2021	$563,759	$400,232	$1,370,490	$163,527
2020	$536,685	$373,341	$1,183,320	$163,344
2019	$536,348	$507,299	$987,559	$29,049
2018	$475,856	$490,882	$953,862	$-15,026

LOUISVILLE CLAY CTY FARMERS MUTUAL