PULASKI & GILES MUTUAL INSURANCE (EIN 540348074) - 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

1900

Legal Domicile

Principal Officer

DANIEL R OTTO

Phone

3042630809

Tax Period

2025-01-01 to 2025-12-31

PULASKI & GILES MUTUAL INSURANCE, founded in 1900, is a small nonprofit that reported $548K in total revenue in fiscal year 2025. Revenue surged 21% from the prior year, signaling strong growth momentum. Net assets of $2.3M represent 50 months of operating reserves.

Mission

MUTUAL PROPERTY AND CASUALTY INSURANCE COMPANY OPERATING IN THE STATE OF VIRGINIA

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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 $491,032

Investment Income $55,125

Other Revenue $2,058

TOTAL REVENUE $548,215

Expense Breakdown

Grants Paid $0

Salaries & Benefits $4,500

Fundraising Expenses $0

Program Expenses $580,378

Other Expenses $374,850

TOTAL EXPENSES $580,378

Year-over-Year Comparison

	2025	2024	Change
Revenue	$548,215	$453,162	+0.2%
Expenses	$580,378	$513,733	+0.1%
Net Income	$-32,163	$-60,571	-0.5%

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

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

$2,500

Total Directors

$4,500

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
MICHELLE W DELUNG	DIRECTOR/SECRETARY	0	Officer Director	$2,500	$0	$2,500
JASON B BUCKLAND	DIRECTOR	0	Director	$2,000	$0	$2,000
FOSTER L SIRBAUGH JR	DIRECTOR/PRESIDENT	0	Officer Director	$0	$0	$0
DANIEL R OTTO	DIRECTOR/VICE PRESIDENT,TREASURER	1	Officer Director	$0	$0	$0
JAMES P WHITACRE	DIRECTOR	0	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	$548,215	$580,378	$2,650,361	$-32,163
2024	$453,162	$513,733	$2,497,334	$-60,571
2023	$354,766	$314,782	$2,288,694	$39,984
2022	$356,103	$328,775	$2,047,242	$27,328
2021	$326,656	$242,067	$2,287,196	$84,589
2020	$301,080	$218,248	$2,022,690	$82,832

PULASKI & GILES MUTUAL INSURANCE