SHIBLE MUTUAL FIRE INSURANCE COMPANY (EIN 410537165) - 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

1986

Legal Domicile

Principal Officer

DAN SMITH

Phone

3202892388

Tax Period

2025-01-01 to 2025-12-31

SHIBLE MUTUAL FIRE INSURANCE COMPANY, founded in 1986, is a small nonprofit that reported $514K in total revenue in fiscal year 2025. Revenue surged 20% from the prior year, signaling strong growth momentum.

Mission

THE ORGANIZATION WRITES FIRE AND ADDITIONAL LINES OF INSURANCE COVERAGES AND PAYS CLAIMS ON COVERED POLICYHOLDER LOSSES PER IRC SECTION 501C(15).

🔒

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 (2025)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $481,254

Investment Income $32,316

Other Revenue $0

TOTAL REVENUE $513,570

Expense Breakdown

Grants Paid $0

Salaries & Benefits $120,713

Fundraising Expenses $0

Other Expenses $117,639

TOTAL EXPENSES $554,990

Year-over-Year Comparison

	2025	2024	Change
Revenue	$513,570	$427,390	+0.2%
Expenses	$554,990	$345,307	+0.6%
Net Income	$-41,420	$82,083	-1.5%

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

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

$87,225

Total Directors

$89,916

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
MITCHELL GERDES	MANAGER/TREA	40.00	Officer Director	$82,107	$0	$82,107
DAN SMITH	PRESIDENT	1.00	Officer Director	$1,700	$310	$2,010
RICHARD EHRENBERG	SECRETARY	1.00	Officer Director	$1,550	$226	$1,776
GALEN GERDES	DIRECTOR	1.00	Director	$1,050	$454	$1,504
ROGER RHEINGANS	VICE-PRESIDE	1.00	Officer Director	$1,050	$282	$1,332
JEFF KACK	DIRECTOR	1.00	Director	$1,050	$137	$1,187

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	$513,570	$554,990	No data	$-41,420
2024	$427,390	$345,307	$1,587,191	$82,083
2023	$447,747	$267,980	$1,504,026	$179,767
2022	$429,203	$441,334	$1,388,483	$-12,131
2021	$368,232	$273,337	$1,303,677	$94,895
2020	$371,038	$360,060	$1,292,955	$10,978
2019	$366,233	$349,355	$1,179,156	$16,878
2018	$436,316	$458,177	$1,201,746	$-21,861

SHIBLE MUTUAL FIRE INSURANCE COMPANY