GERMAN FARMERS MUTUAL ASSESSMENT (EIN 470172025) - 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

1892

Legal Domicile

Principal Officer

CRAIG HARDERS

Phone

3084854601

Tax Period

2024-01-01 to 2024-12-31

GERMAN FARMERS MUTUAL ASSESSMENT, founded in 1892, is a community nonprofit that reported $7.1M in total revenue in fiscal year 2024. Revenue surged 47% from the prior year, signaling strong growth momentum.

Mission

PROVIDE FIRE, WINDSTORM & EXTENDED INSURANCE COVERAGE TO PRIMARILY FARM REAL AND PERSONAL PROPERTY IN HALL AND ADJOINING COUNTIES IN NEBRASKA

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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 $0

Program Service Revenue $6,676,081

Investment Income $20,926

Other Revenue $382,459

TOTAL REVENUE $7,079,466

Expense Breakdown

Grants Paid $0

Salaries & Benefits $209,679

Fundraising Expenses $0

Program Expenses $7,375,163

Other Expenses $7,214,704

TOTAL EXPENSES $7,424,383

Year-over-Year Comparison

	2024	2023	Change
Revenue	$7,079,466	$4,830,137	+0.5%
Expenses	$7,424,383	$4,096,963	+0.8%
Net Income	$-344,917	$733,174	-1.5%

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

$74,033

Total Directors

$7,526

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
CYNTHIA YODER	SECRETARY	40.00	Officer	$65,660	$0	$65,660
RICK YODER	DIRECTOR	1.00	Officer Director	$7,526	$0	$7,526
JENNIFER JANTZI	TREASURER	1.00	Officer	$847	$0	$847
CRAIG HARDERS	PRESIDENT &	2.00	Officer Director	$0	$0	$0
JOHN HARDERS	DIRECTOR	1.00	Director	$0	$0	$0
SHELLY HELGOTH	DIRECTOR	1.00	Director	$0	$0	$0
WILLIAM KURZ	DIRECTOR	1.00	Director	$0	$0	$0
SHANE MOELLER	DIRECTOR	1.00	Director	$0	$0	$0
ELMER PEREZ	DIRECTOR	1.00	Director	$0	$0	$0
MICHAEL PETERS	V PRESIDENT	1.00	Officer Director	$0	$0	$0
MARY STOLTENBERG	DIRECTOR	1.00	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
2024	$7,079,466	$7,424,383	$1,969,703	$-344,917
2023	$4,830,137	$4,096,963	$2,314,620	$733,174
2022	$3,486,187	$3,944,209	$1,501,446	$-458,022
2021	$2,974,512	$2,940,125	$1,959,468	$34,387
2020	$2,436,864	$2,358,463	$1,925,081	$78,401
2019	$2,312,110	$2,419,569	$1,846,680	$-107,459
2018	$2,032,824	$1,853,652	$1,954,139	$179,172

GERMAN FARMERS MUTUAL ASSESSMENT