Liabilities / Assets
36th percentile
Higher debt load relative to assets than 36% of similar nonprofits.
Precomputed percentiles for this filing year versus similar nonprofits in the same peer cohort.
Liabilities / Assets
36th percentile
Higher debt load relative to assets than 36% of similar nonprofits.
Liabilities / Revenue
43rd percentile
Higher debt load relative to revenue than 43% of similar nonprofits.
Net Margin
10th percentile
Higher net margin than 10% of similar nonprofits.
Top Officer Pay
52nd percentile
Higher top officer pay than 52% of similar nonprofits.
Top officer pay equals 30.1% of source-year revenue.
Asset Growth
22nd percentile
Faster asset growth than 22% of similar nonprofits.
Revenue Growth
19th percentile
Faster revenue growth than 19% of similar nonprofits.
Assets
Down$1,197,825
Down $19,733 (-1.6%) from 2020
Net Assets
Down$1,196,825
Down $19,734 (-1.6%) from 2020
Liabilities
Flat$1,000
Flat from 2020
Revenue
Down$61,704
Down $8,418 (-12%) from 2020
Expenses
Down$81,437
Down $20,219 (-20%) from 2020
Net Income
Up-$19,733
Up $11,801 (+37%) from 2020
To provide affordable insurance coverage.
Insure policyholders andcover losses as they occur.
| Line | Beginning | End | Change |
|---|---|---|---|
| Assets | |||
| Investments in Publicly Traded Securities | $660,000 | $958,405 | ▲ $298,405 |
| Savings and Temporary Cash Investments | $546,479 | $222,490 | ▼ $323,989 |
| Cash and Non-Interest-Bearing Accounts | $11,079 | $16,930 | ▲ $5,851 |
| Land, Buildings, and Equipment, Net | $0 | $0 | → $0 |
| Total Assets | $1,217,558 | $1,197,825 | ▼ $19,733 |
| Liabilities | |||
| Other Liabilities | $1,000 | $1,000 | → $0 |
| Total Liabilities | $1,000 | $1,000 | → $0 |
| Net Assets / Fund Balance | |||
| Net Assets Without Donor Restrictions | $1,192,866 | $1,174,829 | ▼ $18,037 |
| Total Net Assets Fund Balance | $1,216,558 | $1,196,825 | ▼ $19,733 |
| Total Liabilities and Net Assets / Fund Balance | $1,217,558 | $1,197,825 | ▼ $19,733 |
| Asset | Book Value | Depreciation | Basis |
|---|---|---|---|
| Buildings | $0 | - | - |
| Other Land Buildings | $0 | - | - |
| Land | $0 | - | - |
| Equipment | $0 | - | - |
| Leasehold Improvements | $0 | - | - |
| Other Securities | $100,000 | - | - |
| Period | Beginning | Contrib. | Gain/Loss | Other Uses | End |
|---|---|---|---|---|---|
| 2021 | - | - | - | - | $0 |
| 2020 | - | - | - | - | $0 |
| 2019 | - | - | - | - | $0 |
| 2018 | - | - | - | - | $0 |
| 2017 | - | - | - | - | $0 |
| Name | Title | Full / Part Time | Base | Total |
|---|---|---|---|---|
| Heather Ross | Secretary/Director | PT | $18,596 | $18,596 |
| Burton Barnes | Treasurer/Director | PT | $7,196 | $7,196 |
| Thomas Barnes | President/Director | - | $3,976 | $3,976 |
| James Carey | Vice President and Director | - | $3,383 | $3,383 |
| Richard Yarnes | Director | - | $2,223 | $2,223 |
| Beverly Koopman | Director | - | $2,200 | $2,200 |
| Brian Sickler | Director | - | $2,200 | $2,200 |
| Richard Blackman | Director | - | $1,866 | $1,866 |
| Ruth Sickler | Director | - | $1,850 | $1,850 |
| Donald T Smith | Director | - | $1,500 | $1,500 |
| Sarah Cleveland | Director | - | $1,050 | $1,050 |
| Line Item | Amount |
|---|---|
| Salaries, Compensation, and Employee Benefits | $48,155 |
| Other Expenses | $33,282 |
| Grants and Similar Amounts Paid | $0 |
| Professional Fundraising Fees | $0 |
| Total Fundraising Expense | $0 |
| Line Item | Program | Management | Fundraising | Total |
|---|---|---|---|---|
| Current Officers, Directors, Trustees, and Key Employees | - | - | - | $46,041 |
| Fees for Service Investment Mgmnt Fees | - | - | - | $2,774 |
| All Other Expenses | $0 | $0 | $0 | $2,250 |
| Payroll Taxes | - | - | - | $2,114 |
| Insurance | - | - | - | $1,380 |
| Information Technology | - | - | - | $1,363 |
| Office Expenses | - | - | - | $1,008 |
| Travel | - | - | - | $947 |
| Other Expenses | - | - | - | $593 |
| Occupancy | - | - | - | $250 |
| Advertising | - | - | - | $28 |
| Total Functional Expenses | $0 | $0 | $0 | $81,437 |
| Line Item | Amount |
|---|---|
| Expenses Not Reported on Financial Statements | $0 |
| Expenses Not Reported on Form 990 | $0 |
| Expenses per Audited Statements | $0 |
| Total Expenses per Form 990 | $0 |
| Line Item | Amount |
|---|---|
| Professional Fundraising Fees | $0 |
| Liability | Amount |
|---|---|
| Net Unpaid Losses | $900 |
| Updaid Loss Adjusting | $100 |
| Form 940 Employment Taxes | $0 |
“Burton Barnes and Thomas Barnes are brothers”
“Brian Sickler is Ruth Sickler's nephew”
“Burton Barnes 733 Case Hill Road Treadwill NY 13846”
“Thomas W Barnes 415 County Hwy 14 Treadwell NY 13846”
“James R Carey 516 County Hwy 11 Lot 16 Oneonta NY 13820”
“Donald T Smith 450 Hodge Road Franklin NY 13775”
“Richard C Yarnes 2563 Freer Hollow Road Walton NY 13856”
“Brian Sickler 13171 State Hwy 357 Franklin NY 13775”
“Ruth Sickler 13077 State Highway 357 Franklin NY 13775”
“Beverly Koopman 8310 County Hwy 18 Delhi NY 13753”
“Richard Blackman 2731 Snake Hill Road Walton NY 13856”
“Sarah Cleveland 7375 State Hwy 357 Franklin NY 13775”
“The organization does not review the Form 990. The Secretary/Treasurer prepares the form.”
“All Directors review and sign a Conflict of Interest statement annually.”
“The organization makes its governing documents and financial statements availabe to the public upon request.”
“Page 3 Part VII (a) Certificate of Deposit - State Bank of India 5 yr CD 2.45% $80,000”
“Page 3 Part VII (a) Certificate of Deposit - Morgan Stanley Pvt Bank 3 yr CD 1.85% $100,000”
“Page 3 Part VII (a) - Synchrony Bank 3 yr CD .85% $100,000”
This appendix keeps the raw XML leaves available for debugging and edge-case review. The human report above is the primary experience.
| Path | # | Value |
|---|---|---|
| IRS990/AccountantCompileOrReviewInd | 0 | false |
| IRS990/ActivitiesConductedPrtshpInd | 0 | false |
| IRS990/ActivityOrMissionDesc | 0 | Insure policyholders andcover losses as they occur. |
| IRS990/AdvertisingGrp/TotalAmt | 0 | 28 |
| IRS990/AllOtherExpensesGrp/FundraisingAmt | 0 | 0 |
| IRS990/AllOtherExpensesGrp/ManagementAndGeneralAmt | 0 | 0 |
| IRS990/AllOtherExpensesGrp/ProgramServicesAmt | 0 | 0 |
| IRS990/AllOtherExpensesGrp/TotalAmt | 0 | 2250 |
| IRS990/AnnualDisclosureCoveredPrsnInd | 0 | true |
| IRS990/BackupWthldComplianceInd | 0 | true |
| IRS990/BooksInCareOfDetail/PersonNm | 0 | Heather Ross |
| IRS990/BooksInCareOfDetail/PhoneNum | 0 | 6074340148 |
| IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt | 0 | 5191 State Hwy 28 S |
| IRS990/BooksInCareOfDetail/USAddress/CityNm | 0 | Oneonta |
| IRS990/BooksInCareOfDetail/USAddress/StateAbbreviationCd | 0 | NY |
| IRS990/BooksInCareOfDetail/USAddress/ZIPCd | 0 | 13820 |
| IRS990/BusinessRlnWith35CtrlEntInd | 0 | false |
| IRS990/BusinessRlnWithFamMemInd | 0 | false |
| IRS990/BusinessRlnWithOrgMemInd | 0 | false |
| IRS990/CashNonInterestBearingGrp/BOYAmt | 0 | 11079 |
| IRS990/CashNonInterestBearingGrp/EOYAmt | 0 | 16930 |
| IRS990/ChangeToOrgDocumentsInd | 0 | false |
| IRS990/CollectionsOfArtInd | 0 | false |
| IRS990/CompCurrentOfcrDirectorsGrp/TotalAmt | 0 | 46041 |
| IRS990/CompensationFromOtherSrcsInd | 0 | false |
| IRS990/CompensationProcessCEOInd | 0 | false |
| IRS990/CompensationProcessOtherInd | 0 | false |
| IRS990/ConflictOfInterestPolicyInd | 0 | true |
| IRS990/ConservationEasementsInd | 0 | false |
| IRS990/ConsolidatedAuditFinclStmtInd | 0 | false |
| IRS990/CreditCounselingInd | 0 | false |
| IRS990/CYBenefitsPaidToMembersAmt | 0 | 0 |
| IRS990/CYContributionsGrantsAmt | 0 | 0 |
| IRS990/CYGrantsAndSimilarPaidAmt | 0 | 0 |
| IRS990/CYInvestmentIncomeAmt | 0 | 16850 |
| IRS990/CYOtherExpensesAmt | 0 | 33282 |
| IRS990/CYOtherRevenueAmt | 0 | 44854 |
| IRS990/CYProgramServiceRevenueAmt | 0 | 0 |
| IRS990/CYRevenuesLessExpensesAmt | 0 | -19733 |
| IRS990/CYSalariesCompEmpBnftPaidAmt | 0 | 48155 |
| IRS990/CYTotalExpensesAmt | 0 | 81437 |
| IRS990/CYTotalFundraisingExpenseAmt | 0 | 0 |
| IRS990/CYTotalProfFndrsngExpnsAmt | 0 | 0 |
| IRS990/CYTotalRevenueAmt | 0 | 61704 |
| IRS990/DecisionsSubjectToApprovaInd | 0 | false |
| IRS990/DeductibleArtContributionInd | 0 | false |
| IRS990/DeductibleNonCashContriInd | 0 | false |
| IRS990/DelegationOfMgmtDutiesInd | 0 | false |
| IRS990/DepreciationDepletionGrp/TotalAmt | 0 | 0 |
| IRS990/Desc | 0 | Members are Policyholders and their annual insurance premiums are used to pay losses incurred by its members. |
| IRS990/DescribedInSection501c3Ind | 0 | false |
| IRS990/DisregardedEntityInd | 0 | false |
| IRS990/DocumentRetentionPolicyInd | 0 | false |
| IRS990/DonorAdvisedFundInd | 0 | false |
| IRS990/DonorRstrOrQuasiEndowmentsInd | 0 | false |
| IRS990/ElectionOfBoardMembersInd | 0 | false |
| IRS990/EmployeeCnt | 0 | 2 |
| IRS990/EmploymentTaxReturnsFiledInd | 0 | true |
| IRS990/ExcsTaxSect4951Or4952Or4953Ind | 0 | false |
| IRS990/ExpenseAmt | 0 | 81437 |
| IRS990/FamilyOrBusinessRlnInd | 0 | true |
| IRS990/FederalGrantAuditRequiredInd | 0 | false |
| IRS990/FeesForSrvcInvstMgmntFeesGrp/TotalAmt | 0 | 2774 |
| IRS990/ForeignActivitiesInd | 0 | false |
| IRS990/ForeignFinancialAccountInd | 0 | false |
| IRS990/ForeignOfficeInd | 0 | false |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt | 0 | 0 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt | 1 | 0 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt | 2 | 0 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt | 3 | 0 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt | 4 | 0 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt | 5 | 0 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt | 6 | 0 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt | 7 | 0 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt | 8 | 0 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt | 9 | 0 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt | 10 | 0 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 0 | 30 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 1 | 10 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 2 | 0 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 3 | 0 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 4 | 0 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 5 | 0 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 6 | 0 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 7 | 0 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 8 | 0 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 9 | 0 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 10 | 0 |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 0 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 1 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 2 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 3 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 4 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 5 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 6 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 7 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 8 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 9 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 10 | X |
| IRS990/Form990PartVIISectionAGrp/OfficerInd | 0 | X |
| IRS990/Form990PartVIISectionAGrp/OfficerInd | 1 | X |
| IRS990/Form990PartVIISectionAGrp/OfficerInd | 2 | X |
| IRS990/Form990PartVIISectionAGrp/OfficerInd | 3 | X |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 0 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 1 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 2 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 3 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 4 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 5 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 6 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 7 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 8 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 9 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 10 | 0 |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 0 | Heather Ross |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 1 | Burton Barnes |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 2 | Thomas Barnes |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 3 | James Carey |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 4 | Donald T Smith |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 5 | Richard Yarnes |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 6 | Richard Blackman |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 7 | Brian Sickler |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 8 | Beverly Koopman |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 9 | Ruth Sickler |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 10 | Sarah Cleveland |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 0 | 18596 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 1 | 7196 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 2 | 3976 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 3 | 3383 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 4 | 1500 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 5 | 2223 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 6 | 1866 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 7 | 2200 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 8 | 2200 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 9 | 1850 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 10 | 1050 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 0 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 1 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 2 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 3 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 4 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 5 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 6 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 7 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 8 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 9 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 10 | 0 |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 0 | Secretary/Director |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 1 | Treasurer/Director |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 2 | President/Director |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 3 | Vice President and Director |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 4 | Director |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 5 | Director |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 6 | Director |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 7 | Director |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 8 | Director |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 9 | Director |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 10 | Director |
| IRS990/Form990ProvidedToGvrnBodyInd | 0 | false |
| IRS990/FormationYr | 0 | 1881 |
| IRS990/FormerOfcrEmployeesListedInd | 0 | false |
| IRS990/FSAuditedInd | 0 | false |
| IRS990/FundraisingActivitiesInd | 0 | false |
| IRS990/GainOrLossGrp/OtherAmt | 0 | 0 |
| IRS990/GainOrLossGrp/SecuritiesAmt | 0 | 0 |
| IRS990/GamingActivitiesInd | 0 | false |
| IRS990/GoverningBodyVotingMembersCnt | 0 | 11 |
| IRS990/GrantsToIndividualsInd | 0 | false |
| IRS990/GrantsToOrganizationsInd | 0 | false |
| IRS990/GrantToRelatedPersonInd | 0 | false |
| IRS990/GrossAmountSalesAssetsGrp/SecuritiesAmt | 0 | 200000 |
| IRS990/GrossReceiptsAmt | 0 | 261704 |
| IRS990/GroupReturnForAffiliatesInd | 0 | false |
| IRS990/IncludeFIN48FootnoteInd | 0 | false |
| IRS990/IndependentAuditFinclStmtInd | 0 | false |
| IRS990/IndependentVotingMemberCnt | 0 | 0 |
| IRS990/IndivRcvdGreaterThan100KCnt | 0 | 0 |
| IRS990/IndoorTanningServicesInd | 0 | false |
| IRS990/InfoInScheduleOPartVIInd | 0 | X |
| IRS990/InformationTechnologyGrp/TotalAmt | 0 | 1363 |
| IRS990/InsuranceGrp/TotalAmt | 0 | 1380 |
| IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt | 0 | 16850 |
| IRS990/InvestmentInJointVentureInd | 0 | false |
| IRS990/InvestmentsPubTradedSecGrp/BOYAmt | 0 | 660000 |
| IRS990/InvestmentsPubTradedSecGrp/EOYAmt | 0 | 958405 |
| IRS990/IRPDocumentCnt | 0 | 12 |
| IRS990/IRPDocumentW2GCnt | 0 | 0 |
| IRS990/LandBldgEquipBasisNetGrp/BOYAmt | 0 | 0 |
| IRS990/LandBldgEquipBasisNetGrp/EOYAmt | 0 | 0 |
| IRS990/LessCostOthBasisSalesExpnssGrp/SecuritiesAmt | 0 | 200000 |
| IRS990/LoanOutstandingInd | 0 | false |
| IRS990/LocalChaptersInd | 0 | false |
| IRS990/MaterialDiversionOrMisuseInd | 0 | false |
| IRS990/MembersOrStockholdersInd | 0 | false |
| IRS990/MethodOfAccountingCashInd | 0 | X |
| IRS990/MinutesOfCommitteesInd | 0 | true |
| IRS990/MinutesOfGoverningBodyInd | 0 | true |
| IRS990/MissionDesc | 0 | To Provide affordable insurance coverage. |
| IRS990/MoreThan5000KToIndividualsInd | 0 | false |
| IRS990/MoreThan5000KToOrgInd | 0 | false |
| IRS990/NetAssetsOrFundBalancesBOYAmt | 0 | 1216558 |
| IRS990/NetAssetsOrFundBalancesEOYAmt | 0 | 1196825 |
| IRS990/NetGainOrLossInvestmentsGrp/TotalRevenueColumnAmt | 0 | 0 |
| IRS990/NetIncmFromFundraisingEvtGrp/TotalRevenueColumnAmt | 0 | 0 |
| IRS990/NetIncomeFromGamingGrp/TotalRevenueColumnAmt | 0 | 0 |
| IRS990/NetIncomeOrLossGrp/TotalRevenueColumnAmt | 0 | 0 |
| IRS990/NetRentalIncomeOrLossGrp/TotalRevenueColumnAmt | 0 | 0 |
| IRS990/NetUnrelatedBusTxblIncmAmt | 0 | 0 |
| IRS990/NoDonorRestrictionNetAssetsGrp/BOYAmt | 0 | 1192866 |
| IRS990/NoDonorRestrictionNetAssetsGrp/EOYAmt | 0 | 1174829 |
| IRS990/NondeductibleContributionsInd | 0 | false |
| IRS990/OccupancyGrp/TotalAmt | 0 | 250 |
| IRS990/OfficeExpensesGrp/TotalAmt | 0 | 1008 |
| IRS990/OfficerMailingAddressInd | 0 | true |
| IRS990/OperateHospitalInd | 0 | false |
| IRS990/Organization501cInd | 0 | X |
| IRS990/OtherExpensesGrp/Desc | 0 | Losses Paid & Adjusting Expense |
| IRS990/OtherExpensesGrp/Desc | 1 | Reinsurance Premium |
| IRS990/OtherExpensesGrp/Desc | 2 | NYIA URB dues |
| IRS990/OtherExpensesGrp/Desc | 3 | DFS Includes Fire Ins Fee |
| IRS990/OtherExpensesGrp/TotalAmt | 0 | 0 |
| IRS990/OtherExpensesGrp/TotalAmt | 1 | 21000 |
| IRS990/OtherExpensesGrp/TotalAmt | 2 | 1689 |
| IRS990/OtherExpensesGrp/TotalAmt | 3 | 593 |
| IRS990/OtherLiabilitiesGrp/BOYAmt | 0 | 1000 |
| IRS990/OtherLiabilitiesGrp/EOYAmt | 0 | 1000 |
| IRS990/OtherOrganizationDsc | 0 | Co-Operative |
| IRS990/OtherRevenueMiscGrp/Desc | 0 | Policy Holders Premium |
| IRS990/OtherRevenueMiscGrp/Desc | 1 | Net Unrealized Gain |
| IRS990/OtherRevenueMiscGrp/Desc | 2 | Fire Ins Fee Collected |
| IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt | 0 | 44515 |
| IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt | 1 | 184 |
| IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt | 2 | 155 |
| IRS990/OtherRevenueTotalAmt | 0 | 44854 |
| IRS990/PartialLiquidationInd | 0 | false |
| IRS990/PayrollTaxesGrp/TotalAmt | 0 | 2114 |
| IRS990/PoliticalCampaignActyInd | 0 | false |
| IRS990/ProfessionalFundraisingInd | 0 | false |
| IRS990/ProhibitedTaxShelterTransInd | 0 | false |
| IRS990/PYInvestmentIncomeAmt | 0 | 22560 |
| IRS990/PYOtherExpensesAmt | 0 | 51115 |
| IRS990/PYOtherRevenueAmt | 0 | 47521 |
| IRS990/PYRevenuesLessExpensesAmt | 0 | -31564 |
| IRS990/PYSalariesCompEmpBnftPaidAmt | 0 | 50530 |
| IRS990/PYTotalExpensesAmt | 0 | 101645 |
| IRS990/PYTotalRevenueAmt | 0 | 70081 |
| IRS990/ReconcilationRevenueExpnssAmt | 0 | -19733 |
| IRS990/RegularMonitoringEnfrcInd | 0 | true |
| IRS990/RelatedEntityInd | 0 | false |
| IRS990/RelatedOrganizationCtrlEntInd | 0 | false |
| IRS990/RentalIncomeOrLossGrp/PersonalAmt | 0 | 0 |
| IRS990/RentalIncomeOrLossGrp/RealAmt | 0 | 0 |
| IRS990/ReportInvestmentsOtherSecInd | 0 | false |
| IRS990/ReportLandBuildingEquipmentInd | 0 | false |
| IRS990/ReportOtherAssetsInd | 0 | false |
| IRS990/ReportOtherLiabilitiesInd | 0 | true |
| IRS990/ReportProgramRelatedInvstInd | 0 | false |
| IRS990/RevenueAmt | 0 | 61703 |
| IRS990/SavingsAndTempCashInvstGrp/BOYAmt | 0 | 546479 |
| IRS990/SavingsAndTempCashInvstGrp/EOYAmt | 0 | 222490 |
| IRS990/ScheduleBRequiredInd | 0 | false |
| IRS990ScheduleD/BuildingsGrp/BookValueAmt | 0 | 0 |
| IRS990ScheduleD/CYEndwmtFundGrp/EndYearBalanceAmt | 0 | 0 |
| IRS990ScheduleD/CYMinus1YrEndwmtFundGrp/EndYearBalanceAmt | 0 | 0 |
| IRS990ScheduleD/CYMinus2YrEndwmtFundGrp/EndYearBalanceAmt | 0 | 0 |
| IRS990ScheduleD/CYMinus3YrEndwmtFundGrp/EndYearBalanceAmt | 0 | 0 |
| IRS990ScheduleD/CYMinus4YrEndwmtFundGrp/EndYearBalanceAmt | 0 | 0 |
| IRS990ScheduleD/EndingBalanceAmt | 0 | 0 |
| IRS990ScheduleD/EquipmentGrp/BookValueAmt | 0 | 0 |
| IRS990ScheduleD/ExpensesNotReportedAmt | 0 | 0 |
| IRS990ScheduleD/ExpensesNotRptFinclStmtAmt | 0 | 0 |
| IRS990ScheduleD/ExpensesSubtotalAmt | 0 | 0 |
| IRS990ScheduleD/FederalIncomeTaxLiabilityAmt | 0 | 0 |
| IRS990ScheduleD/LandGrp/BookValueAmt | 0 | 0 |
| IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt | 0 | 0 |
| IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt | 0 | 0 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt | 0 | 0 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt | 1 | 900 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt | 2 | 100 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc | 0 | Form 940 Employment Taxes |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc | 1 | Net Unpaid Losses |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc | 2 | Updaid Loss Adjusting |
| IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt | 0 | 660000 |
| IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt | 1 | 98485 |
| IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt | 2 | 99920 |
| IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt | 3 | 100000 |
| IRS990ScheduleD/OtherSecuritiesGrp/Desc | 0 | 7 Certificates of Deposit |
| IRS990ScheduleD/OtherSecuritiesGrp/Desc | 1 | US Treas Note (0.87% 10 yr due 11/15/30) |
| IRS990ScheduleD/OtherSecuritiesGrp/Desc | 2 | Fedl Natl Mort (0.75% due 10/08/2021) |
| IRS990ScheduleD/OtherSecuritiesGrp/Desc | 3 | Fedl Home Loan Bank (0.6% due 1/28/2026) |
| IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd | 0 | C |
| IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd | 1 | C |
| IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd | 2 | C |
| IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd | 3 | C |
| IRS990ScheduleD/RevenueNotReportedAmt | 0 | 0 |
| IRS990ScheduleD/RevenueNotReportedFinclStmtAmt | 0 | 0 |
| IRS990ScheduleD/RevenueSubtotalAmt | 0 | 0 |
| IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt | 0 | Page 3 Part VII (a) Certificate of Deposit - State Bank of India 5 yr CD 2.45% $80,000 |
| IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt | 1 | Page 3 Part VII (a) Certificate of Deposit - Morgan Stanley Pvt Bank 3 yr CD 1.85% $100,000 |
| IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt | 2 | Page 3 Part VII (a) - Synchrony Bank 3 yr CD .85% $100,000 |
| IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc | 0 | Page 3 Part VII (a) Certificate of Deposit - Discover Bank 10 yr CD 3% $100,000 |
| IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc | 1 | Page 3 Part VII (a) Certificate of Deposit - Citibank NA 4 yr CD 3.40% $80,000 |
| IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc | 2 | Page 3 Part VII (a) Certificate of Deposit - BNW Bank NA 3 yr CD 1.45% $100,000 |
| IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc | 3 | Page 3 Part VII (a) - Merrick Bank 3.5 yr CD .90% $100,000 |
| IRS990ScheduleD/TotalBookValueLandBuildingsAmt | 0 | 0 |
| IRS990ScheduleD/TotalBookValueOtherAssetsAmt | 0 | 0 |
| IRS990ScheduleD/TotalBookValueProgramRltdAmt | 0 | 0 |
| IRS990ScheduleD/TotalBookValueSecuritiesAmt | 0 | 958405 |
| IRS990ScheduleD/TotalExpensesPerForm990Amt | 0 | 0 |
| IRS990ScheduleD/TotalLiabilityAmt | 0 | 1000 |
| IRS990ScheduleD/TotalRevenuePerForm990Amt | 0 | 0 |
| IRS990/ScheduleJRequiredInd | 0 | false |
| IRS990/ScheduleORequiredInd | 0 | true |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 0 | Burton Barnes and Thomas Barnes are brothers |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 1 | Brian Sickler is Ruth Sickler's nephew |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 2 | Burton Barnes 733 Case Hill Road Treadwill NY 13846 |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 3 | Thomas W Barnes 415 County Hwy 14 Treadwell NY 13846 |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 4 | James R Carey 516 County Hwy 11 Lot 16 Oneonta NY 13820 |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 5 | Donald T Smith 450 Hodge Road Franklin NY 13775 |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 6 | Richard C Yarnes 2563 Freer Hollow Road Walton NY 13856 |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 7 | Brian Sickler 13171 State Hwy 357 Franklin NY 13775 |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 8 | Ruth Sickler 13077 State Highway 357 Franklin NY 13775 |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 9 | Beverly Koopman 8310 County Hwy 18 Delhi NY 13753 |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 10 | Richard Blackman 2731 Snake Hill Road Walton NY 13856 |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 11 | Sarah Cleveland 7375 State Hwy 357 Franklin NY 13775 |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 12 | The organization does not review the Form 990. The Secretary/Treasurer prepares the form. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 13 | All Directors review and sign a Conflict of Interest statement annually. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 14 | The organization makes its governing documents and financial statements availabe to the public upon request. |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 0 | Form 990 Page 6 Part VI line 2 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 1 | Form 990 Page 6 Part VI line 2 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 2 | Form 990 Page 6 Part VI line 9 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 3 | Form 990 Page 6 Part VI line 9 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 4 | From 990 Page 6 Part VI Line 9 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 5 | Form 990 Page 6 Part VI Line 9 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 6 | Form 990 Page 6 Part VI Line 9 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 7 | From 990 Page 6 Part VI Line 9 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 8 | Form 990 Page 6 Part VI Line 9 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 9 | Form 990 Page 6 Part VI Line 9 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 10 | Form 990 Page 6 Part VI Line 9 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 11 | Form 990 Page 6 Part VI Line 9 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 12 | Form 990 Page 6 Part VI Line 11a |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 13 | Form 990 Page 6 Part VI Line 12c |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 14 | Form 990 Page 6 Part VI Line 10 |
| IRS990/SchoolOperatingInd | 0 | false |
| IRS990/SignificantChangeInd | 0 | false |
| IRS990/SignificantNewProgramSrvcInd | 0 | false |
| IRS990/SubjectToExcsTaxNetInvstIncInd | 0 | false |
| IRS990/SubjToTaxRmnrtnExPrchtPymtInd | 0 | false |
| IRS990/TaxablePartyNotificationInd | 0 | false |
| IRS990/TaxExemptBondsInd | 0 | false |
| IRS990/TerminateOperationsInd | 0 | false |
| IRS990/TotalAssetsBOYAmt | 0 | 1217558 |
| IRS990/TotalAssetsEOYAmt | 0 | 1197825 |
| IRS990/TotalAssetsGrp/BOYAmt | 0 | 1217558 |
| IRS990/TotalAssetsGrp/EOYAmt | 0 | 1197825 |
| IRS990/TotalCompGreaterThan150KInd | 0 | false |
| IRS990/TotalContributionsAmt | 0 | 0 |
| IRS990/TotalEmployeeCnt | 0 | 2 |
| IRS990/TotalFunctionalExpensesGrp/FundraisingAmt | 0 | 0 |
| IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt | 0 | 0 |
| IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt | 0 | 0 |
| IRS990/TotalFunctionalExpensesGrp/TotalAmt | 0 | 81437 |
| IRS990/TotalGrossUBIAmt | 0 | 0 |
| IRS990/TotalLiabilitiesBOYAmt | 0 | 1000 |
| IRS990/TotalLiabilitiesEOYAmt | 0 | 1000 |
| IRS990/TotalLiabilitiesGrp/BOYAmt | 0 | 1000 |
| IRS990/TotalLiabilitiesGrp/EOYAmt | 0 | 1000 |
| IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt | 0 | 1216558 |
| IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt | 0 | 1196825 |
| IRS990/TotalOtherCompensationAmt | 0 | 0 |
| IRS990/TotalProgramServiceExpensesAmt | 0 | 81437 |
| IRS990/TotalProgramServiceRevenueAmt | 0 | 0 |
| IRS990/TotalReportableCompFromOrgAmt | 0 | 46040 |
| IRS990/TotalRevenueGrp/ExclusionAmt | 0 | 0 |
| IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt | 0 | 0 |
| IRS990/TotalRevenueGrp/TotalRevenueColumnAmt | 0 | 61704 |
| IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt | 0 | 0 |
| IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt | 0 | 1217558 |
| IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt | 0 | 1197825 |
| IRS990/TotReportableCompRltdOrgAmt | 0 | 0 |
| IRS990/TravelGrp/TotalAmt | 0 | 947 |
| IRS990/TypeOfOrganizationOtherInd | 0 | X |
| IRS990/UnrelatedBusIncmOverLimitInd | 0 | false |
| IRS990/VotingMembersGoverningBodyCnt | 0 | 11 |
| IRS990/VotingMembersIndependentCnt | 0 | 0 |
| IRS990/WhistleblowerPolicyInd | 0 | false |
| ReturnHeader/BuildTS | 0 | 2022-09-23 18:48:47Z |
| ReturnHeader/BusinessOfficerGrp/PersonNm | 0 | Heather Ross |
| ReturnHeader/BusinessOfficerGrp/PersonTitleTxt | 0 | Secretary / Treasurer |
| ReturnHeader/BusinessOfficerGrp/PhoneNum | 0 | 6074340148 |
| ReturnHeader/BusinessOfficerGrp/SignatureDt | 0 | 2022-04-30 |
| ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt | 0 | Franklin Fire Insurance Co |
| ReturnHeader/Filer/BusinessNameControlTxt | 0 | FRAN |
| ReturnHeader/Filer/EIN | 0 | 150311350 |
| ReturnHeader/Filer/PhoneNum | 0 | 6074340148 |
| ReturnHeader/Filer/USAddress/AddressLine1Txt | 0 | 5191 State Hwy 28 S |
| ReturnHeader/Filer/USAddress/CityNm | 0 | Oneonta |
| ReturnHeader/Filer/USAddress/StateAbbreviationCd | 0 | NY |
| ReturnHeader/Filer/USAddress/ZIPCd | 0 | 13820 |
| ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt | 0 | Sandra J Whittaker |
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Displayed year
2021 • Form 990Detailed filing. Detailed filing data is available for this year.