FARMERS UNION MUTUAL FIRE INSURANCE (EIN 620424741) - 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

1914

Legal Domicile

Principal Officer

LYLE SWARTZEL

Phone

4234768761

Tax Period

2025-01-01 to 2025-12-31

FARMERS UNION MUTUAL FIRE INSURANCE, founded in 1914, is a small nonprofit that reported $492K in total revenue in fiscal year 2025. Revenue grew 11% year-over-year, indicating healthy expansion. Expenses of $552K exceeded revenue, resulting in a 12% operating deficit.

Mission

COUNTY MUTUAL INSURANCE COMPANY FOR BENEFIT OF 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 (2025)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $394,691

Investment Income $77,457

Other Revenue $19,465

TOTAL REVENUE $491,613

Expense Breakdown

Grants Paid $0

Salaries & Benefits $144,015

Fundraising Expenses $0

Program Expenses $552,363

Other Expenses $408,348

TOTAL EXPENSES $552,363

Year-over-Year Comparison

	2025	2024	Change
Revenue	$491,613	$440,924	+0.1%
Expenses	$552,363	$490,809	+0.1%
Net Income	$-60,750	$-49,885	+0.2%

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

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

$66,542

Total Directors

$69,842

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
CHARLES HANNAH	PRESIDENT	1.00	Officer Director	$900	$0	$900
CHARLES MCSPADDEN	VICE PRESIDE	1.00	Officer Director	$850	$0	$850
LYLE SWARTZEL	SECRETARY/TR	40.00	Officer Director	$64,192	$0	$64,192
DAVID CAMPBELL	FORMER SEC/T	1.00	Officer Director	$600	$0	$600
DANIEL BEATY	DIRECTOR	1.00	Director	$800	$0	$800
DANA BURGNER	DIRECTOR	1.00	Director	$650	$0	$650
JOHN EADS	DIRECTOR	1.00	Director	$550	$0	$550
MILTON HUMBERD JR	DIRECTOR	1.00	Director	$650	$0	$650
SCOTT HUMBERD	DIRECTOR	1.00	Director	$650	$0	$650

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	$491,613	$552,363	$2,259,284	$-60,750
2024	$440,924	$490,809	$2,281,531	$-49,885
2023	$428,940	$441,720	$2,299,326	$-12,780
2022	$335,570	$507,966	$2,307,328	$-172,396
2021	$351,038	$269,756	$2,475,720	$81,282
2020	$346,102	$339,993	$2,390,096	$6,109
2019	$385,938	$346,572	$2,384,457	$39,366
2018	$371,013	$375,678	$2,350,688	$-4,665

FARMERS UNION MUTUAL FIRE INSURANCE