Bay County Farm Bureau (EIN 381384085) - 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

1934

Legal Domicile

Phone

9896842772

Tax Period

2024-09-01 to 2025-08-31

Bay County Farm Bureau, founded in 1934, is a small nonprofit that reported $156K in total revenue in fiscal year 2024. The organization ran a surplus of $60K, a strong 38% 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 $95,179

Program Service Revenue $0

Investment Income $30,909

Other Revenue $29,947

TOTAL REVENUE $156,035

Expense Breakdown

Grants Paid $0

Salaries & Benefits $38,994

Fundraising Expenses $0

Program Expenses $96,013

Other Expenses $57,019

TOTAL EXPENSES $96,013

Year-over-Year Comparison

	2024	2023	Change
Revenue	$156,035	$148,575	+0.1%
Expenses	$96,013	$119,727	-0.2%
Net Income	$60,022	$28,848	+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

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

$36,514

Total Directors

$38,994

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Emily Cramer	SecretaryTreasurer	40.00	Officer Director	$34,374	$0	$34,374
Terrence Histed	President	2.00	Officer Director	$1,000	$0	$1,000
Erica Vallendar	Director	1.00	Director	$800	$0	$800
Joshua Schlicker	Third Member	2.00	Officer Director	$780	$0	$780
Robert Kernstock	Vice President	2.00	Officer Director	$360	$0	$360
Neil French	Director	1.00	Director	$280	$0	$280
Halie Schultz	Director	1.00	Director	$280	$0	$280
Michael Schwab	Director	1.00	Director	$240	$0	$240
Benjamin Ritter	Director	1.00	Director	$240	$0	$240
Wayne Wackerle Jr	Director	1.00	Director	$200	$0	$200
Ray VanDriessche	Director	1.00	Director	$200	$0	$200
Eric Rosenbrock	Director	1.00	Director	$200	$0	$200
Nathan Schultz	Director	1.00	Director	$40	$0	$40

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	$156,035	$96,013	$631,030	$60,022
2024	$148,575	$119,727	$571,467	$28,848
2023	$149,097	$92,137	$540,162	$56,960

Bay County Farm Bureau