Dakota-Stanton Mutual Insurance Company (EIN 410799962) - 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

1903

Legal Domicile

Principal Officer

Orin Legare

Phone

6514602001

Tax Period

2021-01-01 to 2021-12-31

Dakota-Stanton Mutual Insurance Company, founded in 1903, is a small nonprofit that reported $507K in total revenue in fiscal year 2021. Revenue grew 11% year-over-year, indicating healthy expansion. The organization ran a surplus of $99K, a strong 20% operating margin.

Mission

The organization writes fire and additional lines insurance coverages and pays claims on covered policyholer losses per IRC Section 501(c)(15).

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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 $406,923

Investment Income $99,993

Other Revenue $0

TOTAL REVENUE $506,916

Expense Breakdown

Grants Paid $0

Salaries & Benefits $71,084

Fundraising Expenses $0

Program Expenses $407,977

Other Expenses $96,957

TOTAL EXPENSES $407,977

Year-over-Year Comparison

	2021	2020	Change
Revenue	$506,916	$458,113	+0.1%
Expenses	$407,977	$186,272	+1.2%
Net Income	$98,939	$271,841	-0.6%

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

$55,101

Total Directors

$56,101

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Orin Legare	President	1.00	Officer Director	$1,200	$0	$1,200
Edward Terry	Vice-President	1.00	Officer Director	$600	$0	$600
Robert Tate	Secretary	1.00	Officer Director	$800	$0	$800
Deb Emery	Treasurer	20.00	Officer Director	$13,596	$38,905	$52,501
John Moes	Director	1.00	Director	$600	$0	$600
John Bremer	Director	1.00	Director	$400	$0	$400

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	$506,916	$407,977	$4,258,271	$98,939
2020	$458,113	$186,272	$4,091,582	$271,841
2019	$440,063	$383,004	$3,870,179	$57,059
2018	$541,123	$446,936	$3,762,292	$94,187

Dakota-Stanton Mutual Insurance Company