Highland Mutual Fire Insurance (EIN 540246727) - Form 990 Financial Analysis & Trantor Score

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Tuckman-Chang Vulnerability Assessment

4 risk indicators measuring financial stability and operational resilience

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Financial Trends

Organization Details

Formation Year

1916

Legal Domicile

Principal Officer

Nancy Vance

Phone

5404992700

Tax Period

2025-01-01 to 2025-12-31

Highland Mutual Fire Insurance, founded in 1916, is a micro nonprofit that reported $92K in total revenue in fiscal year 2018. Revenue fell 32% from the prior year — a significant decline worth monitoring. The organization ran a surplus of $20K, a strong 22% operating margin.

Mission

Providing fire insurance to residents of Highland and Bath Counties Virginia.

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Trantor Score

Financial Health & Payment Capacity Assessment (FICO Scale: 300–850)

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Liquidity (40%) • Solvency (30%) • Sustainability (20%) • Efficiency (10%)

Financial Overview (2025)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $148,838

Investment Income $21,130

Other Revenue $0

TOTAL REVENUE $169,968

Expense Breakdown

Grants Paid $1,550

Salaries & Benefits $13,502

Fundraising Expenses $0

Other Expenses $88,768

TOTAL EXPENSES $103,820

Year-over-Year Comparison

	2025	2024	Change
Revenue	$169,968	$109,715	+0.5%
Expenses	$103,820	$158,800	-0.3%
Net Income	$66,148	$-49,085	-2.3%

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

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

$3,810

Total Directors

$4,860

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Nancy Vance	President	5.00	Officer Director	$2,940	$0	$2,940
Jesse Swecker	Vice President	2.00	Officer Director	$360	$0	$360
Nancy Sweitzer	Secretary/Treasurer	1.00	Officer Director	$510	$0	$510
Joe Neil	director	0.50	Director	$360	$0	$360
Angela Lindsay	director	0.50	Director	$330	$0	$330
Ronald White	director	0.50	Director	$360	$0	$360

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	$169,968	$103,820	$604,339	$66,148
2024	No data	No data	No data	No data
2023	$100,392	$70,379	$587,276	$30,013
2022	$207,972	$217,960	$557,263	$-9,988
2021	$79,029	$71,273	$567,251	$7,756
2020	$93,382	$65,154	$559,495	$28,228
2019	$93,898	$96,199	$531,267	$-2,301
2018	$91,942	$71,680	$533,568	$20,262

Highland Mutual Fire Insurance