YORK COUNTY FARMERS MUTUAL (EIN 470341280) - 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

1893

Legal Domicile

Principal Officer

RONALD CLARK

Phone

4023626828

Tax Period

2025-01-01 to 2025-12-31

YORK COUNTY FARMERS MUTUAL, founded in 1893, is a community nonprofit that reported $3.2M in total revenue in fiscal year 2025. Revenue grew 16% year-over-year, indicating healthy expansion. Expenses of $3.0M left a modest 8% surplus.

Mission

TO PROVIDE INSURANCE COVERAGE PRIMARILY FOR FARM BUILDINGS AND EQUIPMENT

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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 $2,527,226

Investment Income $21,564

Other Revenue $655,641

TOTAL REVENUE $3,204,431

Expense Breakdown

Grants Paid $0

Salaries & Benefits $40,978

Fundraising Expenses $0

Other Expenses $2,915,369

TOTAL EXPENSES $2,956,347

Year-over-Year Comparison

	2025	2024	Change
Revenue	$3,204,431	$2,764,619	+0.2%
Expenses	$2,956,347	$2,636,035	+0.1%
Net Income	$248,084	$128,584	+0.9%

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

$37,638

Total Directors

$5,000

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
SHANNON HUGHES	DIRECTOR	30.00	Officer	$32,638	$0	$32,638
VERONICA BRANDL	SECRETARY	1.00	Officer Director	$1,500	$0	$1,500
RONALD CLARK	PRESIDENT	1.00	Officer Director	$1,500	$0	$1,500
KYLE SMITH	TREASURER	1.00	Officer Director	$1,500	$0	$1,500
MARK SACKSCHEWSKY	VICE PRESIDE	1.00	Officer Director	$500	$0	$500

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	$3,204,431	$2,956,347	$1,393,823	$248,084
2024	$2,764,619	$2,636,035	$1,144,791	$128,584
2023	$3,503,904	$3,539,684	$1,015,061	$-35,780
2022	$4,898,000	$4,649,149	$1,040,452	$248,851
2021	$1,349,844	$1,726,786	$792,758	$-376,942
2020	$849,011	$689,799	$1,167,435	$159,212
2019	$726,414	$536,938	$1,009,032	$189,476
2018	$613,949	$656,730	$820,374	$-42,781

YORK COUNTY FARMERS MUTUAL