ARCHES MUTUAL INSURANCE COMPANY C/… - Form 990 Financial Data

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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

2012

Legal Domicile

Principal Officer

SEE SCHEDULE O

Tax Period

2025-01-01 to 2025-12-31

ARCHES MUTUAL INSURANCE COMPANY C/O JACKIE MURO ASSISTANT SPECIAL DEPUT, founded in 2012, is a community nonprofit in the Mutual Benefit sector that reported $2.4M in total revenue in fiscal year 2025. Revenue surged 78% from the prior year, signaling strong growth momentum. The organization ran a surplus of $2.1M, a strong 88% operating margin.

Program Service Accomplishments

Program 1

ARCHES HEALTH PLAN IS ORGANIZED AS A CONSUMER-GOVERNED, PRIVATE NONPROFIT HEALTH MAINTENANCE ORGANIZATION ESTABLISHED UNDER INTERNAL REVENUE CODE 501(C)(29). AS SUCH, THE CORPORATION CONTRACTS WITH PROPERLY LICENSED PROVIDERS TO PERFORM THE FOLLOWING BASIC HEALTH CARE SERVICES: EMERGENCY CARE, INPATIENT HOSPITAL AND PHYSICIAN CARE, OUTPATIENT MEDICAL SERVICES, AND OUT-OF-AREA COVERAGE.

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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 $0

Investment Income $1,254,358

Other Revenue $1,118,205

TOTAL REVENUE $2,372,563

Expense Breakdown

Grants Paid $0

Salaries & Benefits $104,004

Fundraising Expenses $0

Other Expenses $50,016

TOTAL EXPENSES $293,750

Year-over-Year Comparison

	2025	2024	Change
Revenue	$2,372,563	$1,333,575	+0.8%
Expenses	$293,750	$125,690	+1.3%
Net Income	$2,078,813	$1,207,885	+0.7%

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

N/A

Independent Members

N/A

Employees

N/A

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
FERRIS TAYLOR	CSO _ FORMER	0.00	Officer	$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	$2,372,563	$293,750	No data	$2,078,813
2024	$1,333,575	$125,690	$31,005,764	$1,207,885
2023	$2,996,684	$-377,898	$28,960,897	$3,374,582
2022	$3,820,750	$1,041,490	$28,063,021	$2,779,260
2021	$513,966	$-51,868,932	$25,357,178	$52,382,898
2019	$295,251	$833,596	$8,658,034	$-538,345
2018	$164,261	$300,453	$9,195,075	$-136,192

ARCHES MUTUAL INSURANCE COMPANY C/O JACKIE MURO ASSISTANT SPECIAL DEPUT