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Cambria County Mutual Ins Co

Not tax-deductible

Patton, PAMutual-benefit / member-servingMutual / membership EIN 25-1003416Revenue $69K in FY2024

On file with the IRS814 5th Ave, 16668-1326 · Patton, PATax-exempt since Dec 1943

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Insurance company - provides affordable insurance to policyholders and members

Mission: Form 990 Part I, line 1

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FY2024 · Form 990Independent: from IRS data, not the org
Download 990
Tax-deductible gifts
No
Donations are not tax-deductible
Worth a look: the IRS does not list gifts to it as deductible.
IRS Pub. 78 · IRS BMF
Latest return
FY2024
latest Form 990
Looks good: the latest return is for FY2024, 2 tax years back; within 2 tax years.
IRS e-file · Filing history
Surplus or deficit
2 of 5
filings with a surplus
Average deficit $10K a year · 16% of revenue · last 5 filings
Concern: a surplus in 2 of the last 5 filings.
Pt I · Ln 19 · 5 filings
Cash reserves
15 mo
of spending, in cash
Plus $224K in investments, Pt X · Ln 11–13
Looks good: 14.7 months of spending in cash; 3 or more.
Pt X · Ln 1–2 · Pt I · Ln 18
Liabilities
$28K
9% of total assets
Looks good: liabilities are 9% of assets; 50% or less.
Pt X · Ln 26
Independent board members
10
of 10 voting members
Looks good: 10 of 10 voting members are independent, a majority.
Pt VI · Ln 1a–1b
Looks goodFineWorth a lookConcernNo data yetTap a box for the reason.
Revenue
$69K
+104% vs prior year
Spent
$73K
Net assets
$287K
By yearFY2020–FY2024
Revenue
$69K
FY2024▲ +104%
Tap a bar for its year
Revenue by fiscal year
FY2020$76K
FY2021$72K
FY2022$69K
FY2023$34K
FY2024$69K
Expenses
$73K
FY2024▼ -2%
Tap a bar for its year
Expenses by fiscal year
FY2020$71K
FY2021$91K
FY2022$61K
FY2023$74K
FY2024$73K
Net assets
$287K
FY2024▲ +0.9%
Tap a bar for its year
Net assets by fiscal year
FY2020$326K
FY2021$303K
FY2022$281K
FY2023$285K
FY2024$287K

From the FY2024 Form 990 · see the original

990 PDF Claim

Is it real?

Yes. Never revoked by the IRS. Latest filing on record: FY2024. IRS ruling in Dec 1943.

IRS Pub. 78 · IRS Auto-Revocation List · IRS Business Master File

Who runs it and what they're paid

10 people listed on the 990.

Part VII, Section A · reportable compensation
Patrick Dumm
Director
$0Pt VII · Sec A
William Itle
Director
$0Pt VII · Sec A
$0Pt VII · Sec A
$0Pt VII · Sec A
Robert Westrick
President/Director
$0Pt VII · Sec A
Leroy Hoover
Director
$0Pt VII · Sec A
$0Pt VII · Sec A
$0Pt VII · Sec A
See Cambria County Mutual Ins Co executive salaries →

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Questions the 990 asks

The form asks each of these directly. These are the filed answers.

  • Family or business ties among officersPt VI · Ln 2Yes
  • Top official's pay set by an independent reviewPt VI · Ln 15aNo

Programs and updates

Offers affordable insurance to policyholders and members.

Questions for Cambria County Mutual Ins Co

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Provided by the organization

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1 program · in their own filed words · FY2024
01

Exempt purpose involves providing reasonable and affordable insurance coverage to it's POLICYHOLDER/MEMBERS.

Pt IX · col B

By the numbers

The FY2024 990, line by line.

Download 990
from philanthropy.org
1The main four
Money inPt VIII
$69K
Ln 12
Fees for servicesLn 2g$59K
Investment incomeLn 3$10K
Money outPt IX
$73K
Ln 25
Owns and owesPt X
$287K
net assets · Ln 32
Cash and savingsLn 1–2$89K
Total assetsLn 16$316K
LiabilitiesLn 26$28K
PeoplePt VI, VII
10
listed · VII A
PaidVII A0
Voting boardVI 1a10
IndependentVI 1b10
2In more detail
Revenue in detailPt VIII
Fees for servicesLn 2g$59K
Investment incomeLn 3$10K
Gains on assetsLn 7$2K
Total revenueLn 12$69K
Assets in detailPt X, end of year
CashLn 1$5K
SavingsLn 2$84K
Cash and savings togetherLn 1–2$89K
InvestmentsLn 11–13$224K
Other assetsLn 15$2K
Total assetsLn 16$316K
LiabilitiesLn 26$28K
Net assetsLn 32$287K
OperationsPt I, VI
EmployeesI 50
VolunteersI 60
Fiscal year endsHeaderDecember
Conflict-of-interest policyVI 12aYes
Whistleblower policyVI 13No
Records policyVI 14No
3Year over year
Balance sheet, start vs end of yearPt X · col A, B
LineStart FY24End FY24
Cash and savingsLn 1–2$96K$89K
InvestmentsLn 11–13$213K$224K
Total assetsLn 16$310K$316K
LiabilitiesLn 26$25K$28K
Net assetsLn 32$285K$287K
4Every line
Statement of functional expensesPt IX · every line
LineTotalProgramsManagementFundraising
Benefits paid to or for membersLn 4$1K
Accounting feesLn 11c$6K
Office expensesLn 13$121
OccupancyLn 16$15K
TravelLn 17$916
InsuranceLn 23$5K
Other expenses (24a–d)Ln 24$43K
All other expensesLn 24e$1K
Total functional expensesLn 25$73K

Filing history

YearMoney inMoney outIn minus outNet assetsDownload
FY2024 Latest Viewing $69K$73K−$3K$287K 990 PDF
FY2023 $34K$74K−$40K$285K 990 PDF
FY2022 $69K$61K$8K$281K 990 PDF
FY2021 $72K$91K−$20K$303K 990 PDF
FY2020 $76K$71K$5K$326K 990 PDF

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Schedules filed Part IV

III · Programs R · Related orgs G · Fundraising L · Interested persons I · Grants A · Public support O · Explanations
See the full FY2024 990 (6 parts)
Part I · Summary $69,112 revenue, 12 lines filed
I-8 Contributions and grantsPrior year $0$0
I-9 Program service revenuePrior year $58,017$59,335
I-10 Investment incomePrior year −$24,204$9,777
I-11 Other revenuePrior year $0$0
I-12 Total revenuePrior year $33,813$69,112
I-13 Grants and similar amounts paidPrior year $0$0
I-14 Benefits paid to membersPrior year $1,284$1,295
I-15 Salaries and benefitsPrior year $0$0
I-16a Professional fundraising feesPrior year $0$0
I-17 Other expensesPrior year $72,814$71,284
I-18 Total expensesPrior year $74,098$72,579
I-19 Revenue less expensesPrior year −$40,285−$3,467
Part VI · Governance 10 of 10 board members independent, 4 to look at
VI-1a Voting members of the governing body10
VI-1b Independent voting members10
VI-2 Family or business relationship among officers or directorsYes
VI-13 Written whistleblower policyNo
VI-14 Document retention and destruction policyNo
VI-15a Process for setting top official's payNo
VI-12a Written conflict of interest policyYes
Part VIII · Statement of revenue $69,112 across 4 lines filed
VIII-2a-f Program service revenue, itemized rows (sum of 2a–2f as filed)Related to mission $59,335$59,335
VIII-3 Investment incomeExcluded from tax $8,005$8,005
VIII-7 Net gain or loss on sales of assetsRelated to mission $1,772$1,772
VIII-12 Total revenueRelated to mission $61,107 · Unrelated business $0 · Excluded from tax $8,005$69,112
Part IX · Statement of functional expenses $72,579 across 8 lines filed
IX-4 Benefits paid to or for members$1,295
IX-11c Accounting fees$5,956
IX-13 Office expenses$121
IX-16 Occupancy$15,000
IX-17 Travel$916
IX-23 Insurance$4,527
IX-24 Other expenses (24a–d)$43,412
IX-24e All other expenses$1,352
IX-25 Total functional expenses$72,579
Part X · Balance sheet $315,716 assets, 11 lines filed
X-1 Cash, non-interest-bearingStart of year $1,850$5,435
X-2 Savings and temporary cash investmentsStart of year $94,129$83,574
X-4 Accounts receivableStart of year $1,419$919
X-13 Program-related investmentsStart of year $212,578$224,280
X-15 Other assetsStart of year $0$1,508
X-16 Total assetsStart of year $309,976$315,716
X-17 Accounts payable and accrued expensesStart of year $15,539$18,544
X-25 Other liabilitiesStart of year $9,549$9,759
X-26 Total liabilitiesStart of year $25,088$28,303
X-32 Total net assets or fund balancesStart of year $284,888$287,413
X-33 Total liabilities and net assetsStart of year $309,976$315,716
Part XI · Reconciliation of net assets $287,413 net assets at year end
XI-1 Total revenue$69,112
XI-2 Total expenses$72,579
XI-3 Revenue less expenses−$3,467
XI-4 Net assets at start of year$284,888
XI-5 Net unrealized gains (losses) on investments$5,992
XI-9 Other changes in net assets$0
XI-10 Net assets at end of year$287,413

Form 990 e-file (XML) FY2024 from the IRS · Classification, formation year and address from the IRS Business Master File

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