PENDLETON COUNTY FARMERS FIRE INS (EIN 610304990) - 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

1905

Legal Domicile

Principal Officer

R WAYNE BIDDLE

Phone

8596543962

Tax Period

2025-01-01 to 2025-12-31

PENDLETON COUNTY FARMERS FIRE INS, founded in 1905, is a small nonprofit that reported $756K in total revenue in fiscal year 2025. Expenses of $834K exceeded revenue, resulting in a 10% operating deficit.

Mission

MUTUAL INSURANCE COMPANY

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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 $718,285

Investment Income $2,291

Other Revenue $35,446

TOTAL REVENUE $756,022

Expense Breakdown

Grants Paid $0

Salaries & Benefits $120,690

Fundraising Expenses $0

Other Expenses $712,852

TOTAL EXPENSES $833,542

Year-over-Year Comparison

	2025	2024	Change
Revenue	$756,022	$733,616	+0.0%
Expenses	$833,542	$634,160	+0.3%
Net Income	$-77,520	$99,456	-1.8%

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

$69,712

Total Directors

$87,652

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
DENNIS GOSNEY	TREASURER	20.00	Officer Director	$32,770	$0	$32,770
BARRY D MOORE	VICE PRESIDE	20.00	Officer Director	$29,193	$0	$29,193
CARL GRAY	DIRECTOR	10.00	Director	$8,285	$0	$8,285
R WAYNE BIDDLE	PRESIDENT	5.00	Officer Director	$4,950	$0	$4,950
SAM MCCLANAHAN	SECRETARY	5.00	Officer Director	$2,799	$0	$2,799
MILLIE BLADES	DIRECTOR	2.00	Director	$2,680	$0	$2,680
STACY BROWNFIELD	DIRECTOR	2.00	Director	$2,255	$0	$2,255
FRANK HANSER	DIRECTOR	2.00	Director	$1,705	$0	$1,705
STACEY TACKETT	DIRECTOR	2.00	Director	$1,500	$0	$1,500
BRANDON WINKLE	DIRECTOR	2.00	Director	$1,050	$0	$1,050
HEATHER BROWN	DIRECTOR	2.00	Director	$465	$0	$465

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	$756,022	$833,542	$739,888	$-77,520
2024	$733,616	$634,160	$688,600	$99,456
2023	$608,781	$644,664	$574,549	$-35,883
2022	$580,498	$665,407	$567,214	$-84,909
2021	$600,554	$476,827	$642,527	$123,727
2020	$581,210	$655,802	$640,731	$-74,592
2019	$555,527	$529,783	$630,464	$25,744
2018	$534,997	$507,431	$604,931	$27,566

PENDLETON COUNTY FARMERS FIRE INS