Berrien County Farm Bureau (EIN 381373520) - 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

1944

Legal Domicile

Phone

2694734701

Tax Period

2024-09-01 to 2025-08-31

Berrien County Farm Bureau, founded in 1944, is a small nonprofit that reported $146K in total revenue in fiscal year 2024. Revenue surged 23% from the prior year, signaling strong growth momentum. The organization ran a surplus of $39K, a strong 27% operating margin.

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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 (2024)

Revenue Breakdown

Contributions & Grants $94,112

Program Service Revenue $5,488

Investment Income $40,214

Other Revenue $6,596

TOTAL REVENUE $146,410

Expense Breakdown

Grants Paid $0

Salaries & Benefits $35,282

Fundraising Expenses $0

Program Expenses $107,165

Other Expenses $71,883

TOTAL EXPENSES $107,165

Year-over-Year Comparison

	2024	2023	Change
Revenue	$146,410	$118,742	+0.2%
Expenses	$107,165	$102,411	+0.0%
Net Income	$39,245	$16,331	+1.4%

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

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

$32,022

Total Directors

$35,282

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Vedette Cordes	SecretaryTreasurer	30.00	Officer Director	$29,187	$0	$29,187
Edward Kretchman	President	2.00	Officer Director	$1,150	$0	$1,150
Kevin Sherrill	Third Member	1.00	Officer Director	$965	$0	$965
Joshua Rick	Vice President	1.00	Officer Director	$720	$0	$720
Cade Krieger	Director	1.00	Director	$515	$0	$515
Jason Wire	Director	1.00	Director	$515	$0	$515
Sherman Reed	Director	1.00	Director	$510	$0	$510
Belinda Schilling III	Promotion & Education Chair	1.00	Director	$410	$0	$410
Abby Schilling	Director	1.00	Director	$395	$0	$395
Lisa Kuntz	Director	1.00	Director	$330	$0	$330
Tera Baker	Young Farmer Chair	1.00	Director	$315	$0	$315
Kari Molter	Director	1.00	Director	$270	$0	$270

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	$146,410	$107,165	$573,639	$39,245
2024	$118,742	$102,411	$534,394	$16,331
2023	$100,135	$96,700	$518,063	$3,435
2022	$114,011	$95,622	$514,628	$18,389

Berrien County Farm Bureau