Henrietta Greenwood & Union Mutual Fire Ins Co (EIN 390888504) - 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

Paul Rosenow

Phone

7155382123

Tax Period

2023-01-01 to 2023-12-31

Henrietta Greenwood & Union Mutual Fire Ins Co, founded in 1905, is a small nonprofit that reported $260K in total revenue in fiscal year 2023. Revenue fell 40% from the prior year — a significant decline worth monitoring. Expenses of $316K exceeded revenue, resulting in a 22% operating deficit.

Mission

A cooperative farm mutual insurance company that provides property casualty insurance coverage for its 184 policyholders.

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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 $256,372

Investment Income $3,395

Other Revenue $327

TOTAL REVENUE $260,094

Expense Breakdown

Grants Paid $0

Salaries & Benefits $41,936

Fundraising Expenses $0

Other Expenses $274,563

TOTAL EXPENSES $316,499

Year-over-Year Comparison

	2023	2022	Change
Revenue	$260,094	$434,569	-0.4%
Expenses	$316,499	$452,991	-0.3%
Net Income	$-56,405	$-18,422	+2.1%

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

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

$33,798

Total Directors

$39,342

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Sharon Laubscher	Secretary	020.00	Officer Director	$18,322	$0	$18,322
Warren Stowell	Treasurer	010.00	Officer Director	$9,556	$0	$9,556
Jon Franke	Vice President	002.00	Officer Director	$2,976	$0	$2,976
Scott Sebranek	President	002.00	Officer Director	$2,944	$0	$2,944
Randall Durst	Director	002.00	Director	$1,963	$0	$1,963
David Laubscher	Director	002.00	Director	$1,243	$0	$1,243
Jeremy Layer	Director	002.00	Director	$1,236	$0	$1,236
William Schiller	Director	002.00	Director	$1,102	$0	$1,102
Allen Stowell	Director	002.00	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
2023	$260,094	$316,499	No data	$-56,405
2022	$434,569	$452,991	$666,131	$-18,422
2021	$262,700	$270,370	$702,368	$-7,670
2020	$292,026	$296,184	$712,770	$-4,158

Henrietta Greenwood & Union Mutual Fire Ins Co