MARTINSBURG MUTUAL INSURANCE

EIN: 436031497

MARTINSBURG, MO

Total Revenue
$1,154,998
Total Expenses
$1,347,232
Total Assets
$1,435,718
Net Assets
$1,428,483
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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
1984
Legal Domicile
MO
Principal Officer
JAMES GASTLER
Phone
5737216429
Tax Period
2024-01-01 to 2024-12-31

MARTINSBURG MUTUAL INSURANCE, founded in 1984, is a community nonprofit that reported $1.2M in total revenue in fiscal year 2024. Revenue decreased 10% compared to the prior year. Expenses of $1.3M exceeded revenue, resulting in a 17% operating deficit.

Mission

THIS IS A MUTUAL INSURANCE COMPANY THAT INSURES ITS MEMBERS AND REIMBURSES MEMBERS FOR DAMAGE CLAIMS.

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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%)

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Financial Overview (2024)

Revenue Breakdown

Contributions & Grants $0
Program Service Revenue $1,086,262
Investment Income $63,983
Other Revenue $4,753
TOTAL REVENUE $1,154,998

Expense Breakdown

Grants Paid $1,922
Salaries & Benefits $158,540
Fundraising Expenses $0
Program Expenses $1,345,032
Other Expenses $1,186,770
TOTAL EXPENSES $1,347,232

Year-over-Year Comparison

2024 2023 Change
Revenue $1,154,998 $1,276,852 -0.1%
Expenses $1,347,232 $1,266,320 +0.1%
Net Income $-192,234 $10,532 -19.3%
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

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Governance

Voting Members
7
Independent Members
7
Employees
1
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
3
$42,474
Total Directors
8
$152,750
Key Employees
2
$152,750
Highest Compensated
1
reported
Name Title Hours/Week Role Reportable Comp Other Comp Total
JAMES GASTLER DIRECTOR 040.00
Director Key Emp Highest
$110,276 $0 $110,276
LINDA GASTLER SECRETARY/TREASURER 030.00
Officer Director Key Emp
$42,474 $0 $42,474
MARTIN BERTELS PRESIDENT 001.00
Officer Director
$0 $0 $0
JAMES HALE VICE PRESIDENT 001.00
Officer Director
$0 $0 $0
MIKE FENNEWALD DIRECTOR 001.00
Director
$0 $0 $0
MARTIN AULBUR DIRECTOR 001.00
Director
$0 $0 $0
ROBERT DUBBERT DIRECTOR 001.00
Director
$0 $0 $0
RODNEY WILLINGHAM DIRECTOR 001.00
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
2025 No data No data No data No data
2024 $1,154,998 $1,347,232 $1,435,718 $-192,234
2023 $1,276,852 $1,266,320 $1,620,978 $10,532
2022 $536,267 $392,455 $1,593,727 $143,812
2021 $577,216 $593,729 $1,475,708 $-16,513
2020 $493,450 $365,947 $1,490,136 $127,503
2019 $437,553 $479,588 $1,358,085 $-42,035
2018 $436,759 $404,797 $1,395,618 $31,962
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