CULPEPER COUNTY FARM BUREAU (EIN 540546628) - 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

1952

Legal Domicile

Principal Officer

REBECCA RAMSEY

Phone

5408250682

Tax Period

2025-01-01 to 2025-12-31

CULPEPER COUNTY FARM BUREAU, founded in 1952, is a micro nonprofit that reported $80K in total revenue in fiscal year 2021. Revenue surged 35% from the prior year, signaling strong growth momentum. The organization ran a surplus of $36K, a strong 45% operating margin.

Mission

AN ORGANIZATION OF PERSONS INTERESTED IN AGRICULTURE AND THE BETTERMENT OF AGRICULTURAL EDUCATION, ECONOMIC OPPORTUNITY, AND SOCIAL ADVANCEMENT.

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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 $47,603

Investment Income $15,714

Other Revenue $3,518

TOTAL REVENUE $66,835

Expense Breakdown

Grants Paid $5,600

Salaries & Benefits $0

Fundraising Expenses $0

Other Expenses $54,811

TOTAL EXPENSES $61,295

Year-over-Year Comparison

	2025	2024	Change
Revenue	$66,835	$73,976	-0.1%
Expenses	$61,295	$75,057	-0.2%
Net Income	$5,540	$-1,081	-6.1%

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

N/A

Volunteers

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
MARK HOUCK	PRESIDENT (1/1 - 9/30)	0.39	Officer Director	$0	$0	$0
SUSAN GUGINO	DIRECTOR	0.18	Director	$0	$0	$0
JENNIFER BIERHUIZEN	DIRECTOR	2.15	Director	$0	$0	$0
DEWAYNE FORREST	DIRECTOR	0.15	Director	$0	$0	$0
EUGENE TRIPLETT	DIRECTOR	0.37	Director	$0	$0	$0
STEPHANIE EMMEL	PRESIDENT (10/1-12/31)	2.39	Officer Director	$0	$0	$0
REBECCA RAMSEY	SECRETARY/TREASURER	0.23	Officer Director	$0	$0	$0
SAVANNAH SMITH	VICE PRESIDENT, YF CHAIR (	1.25	Officer Director	$0	$0	$0
JOHN CLARK	DIRECTOR	0.30	Director	$0	$0	$0
TERRY OSBOURNE	DIRECTOR	0.18	Director	$0	$0	$0
ELI EGGBORN	DIRECTOR	0.75	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	$66,835	$61,295	$560,241	$5,540
2024	$73,976	$75,057	$549,352	$-1,081
2023	$60,222	$48,399	$527,639	$11,823
2021	$80,153	$43,746	$510,793	$36,407

CULPEPER COUNTY FARM BUREAU