MCMINN COUNTY FARMERS MUTUAL INSURANCE COMPANY (EIN 620289023) - 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

1908

Legal Domicile

Principal Officer

VICKI ANDERSON MOORE

Phone

4237454341

Tax Period

2020-01-01 to 2020-12-31

MCMINN COUNTY FARMERS MUTUAL INSURANCE COMPANY, founded in 1908, is a small nonprofit that reported $361K in total revenue in fiscal year 2020. Revenue surged 25% from the prior year, signaling strong growth momentum. Expenses of $335K left a modest 7% surplus.

Mission

TO PROVIDE PROPERTY INSURANCE TO OUR MEMBERSHIP.

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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 (2020)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $296,895

Investment Income $6,021

Other Revenue $58,514

TOTAL REVENUE $361,430

Expense Breakdown

Grants Paid $0

Salaries & Benefits $101,830

Fundraising Expenses $0

Other Expenses $233,484

TOTAL EXPENSES $335,314

Year-over-Year Comparison

	2020	2019	Change
Revenue	$361,430	$288,790	+0.3%
Expenses	$335,314	$296,916	+0.1%
Net Income	$26,116	$-8,126	-4.2%

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

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

$3,600

Total Directors

$28,600

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
HORACE PATTON MOORE III	DIRECTOR	2.00	Director	$25,000	$0	$25,000
JIMMY SMALL	PRESIDENT	2.00	Officer Director	$3,600	$0	$3,600
MICHAEL SCOTT BURKETT	DIRECTOR	2.00	Director	$0	$0	$0
MARSHAL DAVID DILBECK	DIRECTOR	2.00	Director	$0	$0	$0
PATRICK ALAN DYKE	VP	2.00	Officer Director	$0	$0	$0
JOHN GAMBILL	DIRECTOR	2.00	Director	$0	$0	$0
SANDRA ANNETTE HUTSELL	DIRECTOR	2.00	Director	$0	$0	$0
JAMES EDWARD KYKER	DIRECTOR	2.00	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
2020	$361,430	$335,314	$498,804	$26,116
2019	$288,790	$296,916	$487,746	$-8,126
2018	$317,662	$386,985	$457,990	$-69,323

MCMINN COUNTY FARMERS MUTUAL INSURANCE COMPANY