WASHINGTON COUNTY FARM BUREAU INC (EIN 610465850) - 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

1952

Legal Domicile

Principal Officer

LARRY HARDIN

Phone

8593367703

Tax Period

2023-10-01 to 2024-09-30

WASHINGTON COUNTY FARM BUREAU INC, founded in 1952, is a micro nonprofit that reported $34K in total revenue in fiscal year 2023. Expenses of $46K exceeded revenue, resulting in a 36% operating deficit.

Mission

TO PROVIDE LOW COST INSURANCE TO LOW INCOME FAMILIES.

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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 (2023)

Revenue Breakdown

Contributions & Grants $23,871

Program Service Revenue $9,163

Investment Income $78

Other Revenue $706

TOTAL REVENUE $33,818

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Other Expenses $46,035

TOTAL EXPENSES $46,035

Year-over-Year Comparison

	2023	2022	Change
Revenue	$33,818	$31,893	+0.1%
Expenses	$46,035	$37,905	+0.2%
Net Income	$-12,217	$-6,012	+1.0%

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

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
CRAIG ARNOLD	DIRECTOR	N/A	Director	$0	$0	$0
RAY JOHNSON	DIRECTOR	N/A	Director	$0	$0	$0
COLE MATTINGLY	DIRECTOR	N/A	Director	$0	$0	$0
RICHARD MEDLEY	DIRECTOR	N/A	Director	$0	$0	$0
BOB OSBOURNE	DIRECTOR	N/A	Director	$0	$0	$0
JAMES OSBOURNE	DIRECTOR	N/A	Director	$0	$0	$0
MARK RILEY	DIRECTOR	N/A	Director	$0	$0	$0
DAVID SHUMATE	DIRECTOR	N/A	Director	$0	$0	$0
LANCE SMITH	DIRECTOR	N/A	Director	$0	$0	$0
TAYLOR SMITH	DIRECTOR	N/A	Director	$0	$0	$0
GEORGE GRAVES	SECRETARY /	N/A	Officer	$0	$0	$0
LARRY HARDIN	PRESIDENT	N/A	Officer	$0	$0	$0
DAVID TEATER	VICE PRESIDE	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	No data	No data	No data	No data
2024	$33,818	$46,035	$295,162	$-12,217
2023	$31,893	$37,905	$307,377	$-6,012
2022	$69,738	$36,292	$313,389	$33,446
2021	$61,971	$35,539	$279,943	$26,432
2020	$52,103	$54,583	$253,511	$-2,480
2019	$134,667	$46,013	$255,991	$88,654

WASHINGTON COUNTY FARM BUREAU INC