KENTUCKY FARM BUREAU GRAVES COUNTY (EIN 610393240) - 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

1937

Legal Domicile

Principal Officer

MICHAEL CARTWRIGHT

Phone

2702474436

Tax Period

2024-07-01 to 2025-06-30

KENTUCKY FARM BUREAU GRAVES COUNTY, founded in 1937, is a small nonprofit that reported $168K in total revenue in fiscal year 2024. Revenue surged 177% from the prior year, signaling strong growth momentum. The organization ran a surplus of $110K, a strong 65% operating margin.

Mission

MEMBERSHIP COOP PURCHASING INCLUDING INSURANCE THROUGH FARM BUREAU FEDERATION FOR 4833 MEMBERS

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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 (2024)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $159,788

Investment Income $8,589

Other Revenue $45

TOTAL REVENUE $168,422

Expense Breakdown

Grants Paid $1,500

Salaries & Benefits $0

Fundraising Expenses $0

Other Expenses $55,413

TOTAL EXPENSES $58,293

Year-over-Year Comparison

	2024	2023	Change
Revenue	$168,422	$60,829	+1.8%
Expenses	$58,293	$52,751	+0.1%
Net Income	$110,129	$8,078	+12.6%

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

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

$1,200

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
MICHAEL CARTWRIGHT	TREASURER	1.00	Officer	$1,200	$0	$1,200
JOSH CHERRY	DIRECTOR	N/A	Director	$0	$0	$0
GAIL DODSON	DIRECTOR	N/A	Director	$0	$0	$0
DANNY HART	DIRECTOR	N/A	Director	$0	$0	$0
FREIDA HEATH	DIRECTOR	N/A	Director	$0	$0	$0
JACKIE HEATH	DIRECTOR	N/A	Director	$0	$0	$0
JORDAN LEONARD	DIRECTOR	N/A	Director	$0	$0	$0
RYAN MILLER	DIRECTOR	N/A	Director	$0	$0	$0
TREVOR MYATT	DIRECTOR	N/A	Director	$0	$0	$0
CODY PAYNE	DIRECTOR	N/A	Director	$0	$0	$0
COREY PAYNE	DIRECTOR	N/A	Director	$0	$0	$0
JOHNNY SEARS	DIRECTOR	N/A	Director	$0	$0	$0
MARK THOMPSON	DIRECTOR	N/A	Director	$0	$0	$0
TODD THURSTON	DIRECTOR	N/A	Director	$0	$0	$0
JED CLARK	PRESIDENT	N/A	Officer	$0	$0	$0
KEITH LOWERY	VICE PRESIDE	N/A	Officer	$0	$0	$0
CAROL ANN PHILLIPS	SECRETARY	N/A	Officer	$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	$168,422	$58,293	$1,157,771	$110,129
2024	$60,829	$52,751	$1,076,636	$8,078
2023	$95,126	$56,368	$1,068,558	$38,758
2022	$54,085	$59,351	$1,000,806	$-5,266
2021	$118,950	$42,160	$1,006,072	$76,790
2020	$117,954	$51,201	$929,282	$66,753
2019	$118,975	$39,502	$862,529	$79,473

KENTUCKY FARM BUREAU GRAVES COUNTY