FARMERS MUTUAL COOPERATIVE TELEPHONE COMPANY (EIN 420246310) - 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

1942

Legal Domicile

Phone

6416423249

Tax Period

2024-10-01 to 2025-09-30

FARMERS MUTUAL COOPERATIVE TELEPHONE COMPANY, founded in 1942, is a community nonprofit that reported $2.2M in total revenue in fiscal year 2024. Revenue surged 39% from the prior year, signaling strong growth momentum. The organization ran a surplus of $468K, a strong 21% operating margin.

Mission

THE PURPOSE OF THIS CORPORATION IS THE ESTABLISHMENT AND OPERATION OF A MUTUAL COOPERATIVE TELEPHONE SYSTEM AND EXCHANGE.

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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 $340,421

Program Service Revenue $1,720,773

Investment Income $95,274

Other Revenue $24,438

TOTAL REVENUE $2,180,906

Expense Breakdown

Grants Paid $0

Salaries & Benefits $596,660

Fundraising Expenses $0

Program Expenses $0

Other Expenses $889,580

TOTAL EXPENSES $1,713,304

Year-over-Year Comparison

	2024	2023	Change
Revenue	$2,180,906	$1,570,034	+0.4%
Expenses	$1,713,304	$1,284,213	+0.3%
Net Income	$467,602	$285,821	+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

$105,163

Total Directors

$4,875

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
CAROL SUE HOWARD	DIRECTOR/SECRETARY	1.0	Officer Director	$900	$0	$900
JERALD LAWSON	DIRECTOR/PRESIDENT	1.0	Officer Director	$825	$0	$825
ALAN BOETTICHER	DIRECTOR	1.0	Director	$900	$0	$900
JOHN PROBASCO	DIRECTOR	1.0	Director	$750	$0	$750
KALEN MARTSCHING	DIRECTOR	1.0	Director	$0	$0	$0
LYLE HODGES	DIRECTOR	1.0	Director	$825	$0	$825
WHITNEY BALLANGER	DIRECTOR	1.0	Director	$675	$0	$675
TAMMY WHEELER	GENERAL MANAGER	45.0	Officer	$86,422	$17,016	$103,438

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	$2,180,906	$1,713,304	$22,774,068	$467,602
2024	$1,570,034	$1,284,213	$16,501,844	$285,821
2023	$1,387,335	$1,290,493	$11,339,096	$96,842
2020	$1,225,149	$1,165,410	$4,124,687	$59,739

FARMERS MUTUAL COOPERATIVE TELEPHONE COMPANY