GASCONADE FARMERS MUTUAL FIRE INS (EIN 430729936) - 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

1886

Legal Domicile

Principal Officer

OLAN W STEMME

Phone

5734863137

Tax Period

2023-01-01 to 2023-12-31

GASCONADE FARMERS MUTUAL FIRE INS, founded in 1886, is a small nonprofit that reported $169K in total revenue in fiscal year 2023. Revenue fell 51% from the prior year — a significant decline worth monitoring. Expenses of $395K exceeded revenue, resulting in a 133% operating deficit.

Mission

THE INSURANCE COMPANY IS AUTHORIZED PROVIDE INSURANCE COVERAGE IN THE STATE OF MISSOURI. THE COMPANY IS PROVIDING COVERAGE PRIMARILY FOR PERILS OF FIRE OR WIND.

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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 $130,739

Investment Income $38,587

Other Revenue $0

TOTAL REVENUE $169,326

Expense Breakdown

Grants Paid $0

Salaries & Benefits $86,032

Fundraising Expenses $0

Other Expenses $308,746

TOTAL EXPENSES $394,778

Year-over-Year Comparison

	2023	2022	Change
Revenue	$169,326	$349,091	-0.5%
Expenses	$394,778	$285,042	+0.4%
Net Income	$-225,452	$64,049	-4.5%

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

Total Directors

$46,743

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
HOYT C STEMME	PRESIDENT	20.00	Director	$28,000	$0	$28,000
OLAN W STEMME	SECRETARY	20.00	Director	$11,255	$0	$11,255
LINDA A STEMME	TREASURER	10.00	Director	$7,488	$0	$7,488
JOHN E SANTHUFF	BOARD MEMBER	2.00	Director	$0	$0	$0
MICHAEL D SLOAN	VICE PRESIDE	3.00	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	$169,326	$394,778	No data	$-225,452
2022	$349,091	$285,042	$1,775,919	$64,049
2021	$324,070	$317,719	$1,694,438	$6,351
2020	$504,001	$412,641	$1,696,640	$91,360
2019	$510,368	$458,208	$1,608,468	$52,160
2018	$499,189	$379,999	$1,444,218	$119,190

GASCONADE FARMERS MUTUAL FIRE INS