LUTHERAN FIRE & LIGHTNING INSURANCE MCMILLIN (EIN 440595036) - 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

1933

Legal Domicile

Principal Officer

BOB MOENNIG

Phone

4174427563

Tax Period

2025-01-01 to 2025-12-31

LUTHERAN FIRE & LIGHTNING INSURANCE MCMILLIN, founded in 1933, is a small nonprofit that reported $468K in total revenue in fiscal year 2025. Revenue grew 14% year-over-year, indicating healthy expansion. Net assets of $1.7M represent 43 months of operating reserves.

Mission

PROVIDES FIRE AND WIND INSURANCE TO THE MUTUAL INSURANCE MEMBERS. THIS IS A MUTUAL COMPANY AS DESCRIBED BY MISSOURI STATE STATUTES.

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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 (2025)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $386,715

Investment Income $81,241

Other Revenue $0

TOTAL REVENUE $467,956

Expense Breakdown

Grants Paid $0

Salaries & Benefits $21,684

Fundraising Expenses $0

Program Expenses $492,267

Other Expenses $470,583

TOTAL EXPENSES $492,267

Year-over-Year Comparison

	2025	2024	Change
Revenue	$467,956	$410,819	+0.1%
Expenses	$492,267	$371,153	+0.3%
Net Income	$-24,311	$39,666	-1.6%

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

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
LELAND EGGERMAN	DIRECTOR	N/A	Director	$0	$0	$0
LEE EGGERMAN	DIRECTOR	N/A	Director	$0	$0	$0
NOLAN KLEIBOEKER	VICE PRESIDE	N/A	Officer Director	$0	$0	$0
MARK MCMILLIN	SEC - TREAS	N/A	Officer Director	$0	$0	$0
BOB MOENNIG	DIRECTOR	N/A	Director	$0	$0	$0
PHIL SCHAD	PRESIDENT	N/A	Officer 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	$467,956	$492,267	$1,892,112	$-24,311
2024	$410,819	$371,153	$1,901,483	$39,666
2023	$358,478	$399,443	$1,823,726	$-40,965
2022	$336,495	$322,956	$1,850,615	$13,539
2021	$326,233	$223,851	$1,825,259	$102,382
2020	$346,876	$304,893	$1,723,541	$41,983
2019	$312,454	$281,744	$1,696,067	$30,710
2018	$295,603	$265,321	$1,658,902	$30,282

LUTHERAN FIRE & LIGHTNING INSURANCE MCMILLIN