Farmers Mutual Fire & Aid Assoc of Kendall and Kerr Counties

EIN: 741000881

COMFORT, TX

Total Revenue
$193,856
Total Expenses
$172,902
Total Assets
$1,184,473
Net Assets
$1,070,088
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Financial Vulnerability Assessment (Tuckman-Chang)

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Financial Trends

Organization Details

Formation Year
1913
Legal Domicile
TX
Phone
8309952250
Tax Period
2024-05-01 to 2025-04-30

Farmers Mutual Fire & Aid Assoc of Kendall and Kerr Counties, founded in 1913, is a small nonprofit that reported $194K in total revenue in fiscal year 2024. Expenses of $173K left a modest 11% surplus.

Mission

The organization provides reasonable priced fire, theft, content, and extended insurance coverage for rural members in Kendall and Kerr counties of Texas. Without this coverage many Association members might not be able to afford adequate insurance coverage.

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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%)

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Financial Overview (2024)

Revenue Breakdown

Contributions & Grants $0
Program Service Revenue $153,387
Investment Income $39,753
Other Revenue $716
TOTAL REVENUE $193,856

Expense Breakdown

Grants Paid $0
Salaries & Benefits $44,464
Fundraising Expenses $0
Other Expenses $91,873
TOTAL EXPENSES $172,902

Year-over-Year Comparison

2024 2023 Change
Revenue $193,856 $197,818 0.0%
Expenses $172,902 $167,349 +0.0%
Net Income $20,954 $30,469 -0.3%
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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Governance

Voting Members
285
Independent Members
285
Employees
4
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
4
$42,800
Total Directors
11
$43,500
Key Employees
4
$42,800
Highest Compensated
1
reported
Name Title Hours/Week Role Reportable Comp Other Comp Total
Janell Billeiter Secretary/Treasurer 6.00
Officer Director Key Emp Highest
$24,000 $0 $24,000
Harry Reeh Asst Secretary/Treasurer/Adjuster 1.00
Officer Director Key Emp
$8,400 $100 $8,500
Kevin Billeiter Insurance Agent/Adjuster 2.00
Officer Director Key Emp
$6,000 $0 $6,000
Keith Marquardt President 1.00
Officer Director Key Emp
$4,200 $100 $4,300
Gary Scheele Director 0.00
Director
$0 $100 $100
Jack Essar Director 0.00
Director
$0 $100 $100
Jay Dean Pfeiffer Director 0.00
Director
$0 $100 $100
Chad Flach Director 0.00
Director
$0 $100 $100
Harvey Boerner Director 0.00
Director
$0 $100 $100
Charles Henry Seidensticker Director 0.00
Director
$0 $100 $100
Roy Lee Kneupper Director 0.00
Director
$0 $100 $100
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 $193,856 $172,902 $1,184,473 $20,954
2024 $197,818 $167,349 $1,159,941 $30,469
2023 $194,426 $185,991 $1,130,372 $8,435
2022 $264,661 $302,591 $1,125,956 $-37,930
2021 $277,998 $307,312 $1,162,501 $-29,314
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