Civic Intelligence

West Branch Mutual Insurance

EIN 24-0757710 • 501(c)15 • Muncy, PA

Profile

To provide property and casualty insurance to its policyholders.

32 South Main StreetMuncy, PA 17756

n/A

Siviq Scores

Precomputed percentiles relative to similar nonprofits. These scores are descriptive rather than judgmental.

Liabilities / Assets

83rd percentile

0.38x

Higher debt load relative to assets than 83% of similar nonprofits.

$1M-$5M nonprofits • Source year 2024

Liabilities / Revenue

90th percentile

0.97x

Higher debt load relative to revenue than 90% of similar nonprofits.

$1M-$5M nonprofits • Source year 2024

Net Margin

24th percentile

-9.6%

Higher net margin than 24% of similar nonprofits.

$1M-$5M nonprofits • Source year 2024

Top Officer Pay

55th percentile

$25,000

Higher top officer pay than 55% of similar nonprofits.

Top officer pay equals 4.3% of source-year revenue.

$1M-$5M nonprofits • Source year 2024

Asset Growth

66th percentile

8.4%

Faster asset growth than 66% of similar nonprofits.

$1M-$5M nonprofits • Annualized from 2023 to 2024

Revenue Growth

38th percentile

1.9%

Faster revenue growth than 38% of similar nonprofits.

$1M-$5M nonprofits • Annualized from 2023 to 2024

Balance Sheet
Liabilities / Assets83rd percentile

Assets

Up

$1,453,308

Up $112,860 (+8.4%) from 2023

Liabilities

Up

$558,803

Up $129,946 (+30%) from 2023

Net Assets

Down

$894,505

Down $17,086 (-1.9%) from 2023

Operations
Liabilities / Revenue90th percentileNet Margin24th percentile

Revenue

Up

$578,573

Up $10,575 (+1.9%) from 2023

Expenses

Up

$633,891

Up $147,803 (+30%) from 2023

Net Income

Down

-$55,318

Down $137,228 (-168%) from 2023

Trend Graphs

Balance Sheet Trend

Asset Growth66th percentile

Grouped bars show assets, liabilities, and net assets across loaded filings.

$1.5M$1.0M$500K$0Assets 2015: $1,073,855Liabilities 2015: $293,849Net Assets 2015: $780,0062015Assets 2016: $1,142,596Liabilities 2016: $299,994Net Assets 2016: $842,6022016Assets 2017: $1,149,452Liabilities 2017: $354,371Net Assets 2017: $795,0812017Assets 2018: $1,231,055Liabilities 2018: $400,238Net Assets 2018: $830,8172018Assets 2019: $1,418,681Liabilities 2019: $417,247Net Assets 2019: $1,001,4342019Assets 2021: $1,476,469Liabilities 2021: $420,027Net Assets 2021: $1,056,4422021Assets 2022: $1,447,619Liabilities 2022: $459,468Net Assets 2022: $988,1512022Assets 2023: $1,340,448Liabilities 2023: $428,857Net Assets 2023: $911,5912023Assets 2024: $1,453,308Liabilities 2024: $558,803Net Assets 2024: $894,5052024

Highlighted filing

2024

Assets$1,453,308
Liabilities$558,803
Net Assets$894,505
Open 2024 Filing

Operations Trend

Revenue Growth38th percentile

Revenue, expenses, and net income by year, with the latest filing highlighted.

$800K$600K$400K$200K$0-$200KRevenue 2015: $466,114Expenses 2015: $406,860Net Income 2015: $59,2542015Revenue 2016: $454,643Expenses 2016: $489,151Net Income 2016: -$34,5082016Revenue 2017: $450,373Expenses 2017: $473,657Net Income 2017: -$23,2842017Revenue 2018: $463,315Expenses 2018: $434,900Net Income 2018: $28,4152018Revenue 2019: $479,135Expenses 2019: $462,137Net Income 2019: $16,9982019Revenue 2021: $519,174Expenses 2021: $461,288Net Income 2021: $57,8862021Revenue 2022: $521,773Expenses 2022: $623,753Net Income 2022: -$101,9802022Revenue 2023: $567,998Expenses 2023: $486,088Net Income 2023: $81,9102023Revenue 2024: $578,573Expenses 2024: $633,891Net Income 2024: -$55,3182024

Highlighted filing

2024

Revenue$578,573
Expenses$633,891
Net Income-$55,318
Open 2024 Filing

Filings

Most recent year

2024 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$1,453,308
Liabilities
$558,803
Net assets
$894,505
Revenue
$578,573
Expenses
$633,891
Net income
-$55,318
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$1.45$0.56$0.89$0.58$0.63$0.06
2023Detailed filing. Detailed filing data is available for this year.$1.34$0.43$0.91$0.57$0.49$0.08
2022Detailed filing. Detailed filing data is available for this year.$1.45$0.46$0.99$0.52$0.62$0.10
2021Detailed filing. Detailed filing data is available for this year.$1.48$0.42$1.06$0.52$0.46$0.06
2019Detailed filing. Detailed filing data is available for this year.$1.42$0.42$1.00$0.48$0.46$0.02
2018Detailed filing. Detailed filing data is available for this year.$1.23$0.40$0.83$0.46$0.43$0.03
2017Detailed filing. Detailed filing data is available for this year.$1.15$0.35$0.80$0.45$0.47$0.02
2016Detailed filing. Detailed filing data is available for this year.$1.14$0.30$0.84$0.45$0.49$0.03
2015Detailed filing. Detailed filing data is available for this year.$1.07$0.29$0.78$0.47$0.41$0.06
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
May 14, 2025
Return Version
2024v5.0
Gross Receipts
$828,614
Mission and Program Overview

Mission

To provide property and casualty insurance to its policyholders.

A mutual insurance company domiciled and doing business only in pennsylvania. West branch provides property and casualty insurance to its policyholders.

Balance Sheet Detail
LineBeginningEndChange
Assets
Rtn Earn Endowment Incm Other Fnds$911,591$894,505▼ $17,086
Investments in Publicly Traded Securities$873,582$725,416▼ $148,166
Savings and Temporary Cash Investments$408,545$543,881▲ $135,336
Accounts Receivable$48,177$44,443▼ $3,734
Total Assets$1,340,448$1,453,308▲ $112,860
Other Assets Total$10,144$139,568▲ $129,424
Liabilities
Other Liabilities$303,114$442,253▲ $139,139
Accounts Payable and Accrued Expenses$125,743$116,550▼ $9,193
Total Liabilities$428,857$558,803▲ $129,946
Net Assets / Fund Balance
Total Net Assets Fund Balance$911,591$894,505▼ $17,086
Total Liabilities and Net Assets / Fund Balance$1,340,448$1,453,308▲ $112,860

Asset Categories

AssetBook ValueDepreciationBasis
Other Assets Org$724--
Compensation and Service Providers
Top Officer Pay55th percentile

Employees

NameTitleFull / Part TimeBaseTotal
Victoria Catherine MichaelPres, VP, DiPT$25,000$25,000
Richard Lee MichaelSecy,treas,PT$10,000$10,000
James Luther SnyderDirector-$300$300
Nathan B HaferDirector-$300$300
Robert Patrick HagerDirector-$300$300
Thomas Daniel HessDirector-$300$300
Lindsay Marie HelselDirector-$200$200
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$530,798
Investment Income
$47,775
Other Revenue
$0
Change in Net Assets
$-55,318
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$528,092
Salaries, Compensation, and Employee Benefits$105,799
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$37,926
Current Officers, Directors, Trustees, and Key Employees---$36,400
Other Employee Benefits---$25,343
Fees for Services Accounting---$23,307
Other Expenses---$11,649
Insurance---$7,372
Payroll Taxes---$6,130
Office Expenses---$3,110
Travel---$2,947
Occupancy---$694
All Other Expenses---$-216,922
Total Functional Expenses$0$0$0$633,891
Fundraising, Events, and Gaming
Fundraising activities
No
Gaming activities
No
Professional fundraiser used
No

Fundraising and Gaming Totals

Line ItemAmount
Professional Fundraising Fees$0
Political and Lobbying Activity
Political campaign activity
No
Subject to proxy tax
No
Insider Transactions and Loans

Interested-Person Transactions

Interested PartyRelationshipDescriptionShared RevenueAmount
Richard Lee MichaelTreas./directorCommissionsNo$94,914
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Ceded Reinsurance Balances$343,373
Provision for Reinsurance$64,400
Unearned Premiums$25,233
Advance Premiums$4,907
Reserves for Loss and Lae$4,150
Amounts Withheld or Retained$190
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Backup withholding compliance
Yes
Business relationship with 35% controlled entity
No
Business relationship with family members
No
Business relationship with organization members
Yes
Material changes to governing documents
No
Compensation from other sources disclosed
No
CEO compensation reviewed
No
Other officer compensation reviewed
No
Conflict-of-interest policy
Yes
Audited financial statements prepared
No
Key decisions subject to board approval
Yes
Management duties delegated
No

Governance Explanations

Form 990, Page 6, Part VI, Line 2

“Lindsay marie helsel richard lee michael director treas/secr daughter victoria catherine michael richard lee michael pres/vice pr treas/secr daughter”

Form 990, Page 6, Part VI, Line 6

“The company is a mutual insurance company and as such its policyholders annually elect the board of directors and have oversight of the board's actions.”

Form 990, Page 6, Part VI, Line 7A

“The company is a mutual insurance company and as such its policyholders annually elect the board of directors and have oversight of the board's actions.”

Form 990, Page 6, Part VI, Line 7B

“The company is a mutual insurance company and as such its policyholders annually elect the board of directors and have oversight of the board's actions.”

Form 990, Page 6, Part VI, Line 11B

“NO REVIEW IS PERFORMED.”

Form 990, Page 6, Part VI, Line 12C

“The conflict of interest policy is reviewed annually by each director and officer.”

Form 990, Page 6, Part VI, Line 19

“All governing documents, conflict of interest statements and financial statements are available upon request.”

Filing and Contact Details

Filer

Filer Name
West Branch Mutual Insurance
EIN
24-0757710
Phone
5705468020
Address
32 SOUTH MAIN STREET, MUNCY, PA 17756

Signing Officer

Name
Victoria Catherine Michael
Title
Pres, VP, Director
Phone
5705468020
Signed
2025-05-14
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Victoria Catherine Michael
Formed
1878
Legal Domicile
Pa
Voting Board Members
7
Independent Board Members
5
Employees
3

Preparer

Firm
Brown Plus
Address
210 GRANDVIEW AVE, CAMP HILL, PA 17011-1706
Preparer
Matthew Harvey
Phone
7177617171
Supplemental Narrative

Additional Explanations

Form 990, Part XI, Line 9

“Change in nonadmitted assets 284 change in provision for reinsurance -64,400 total -64,116”

Raw XML Appendix331 raw XML fields

This appendix keeps the raw XML leaves available for debugging and edge-case review. The human report above is the primary experience.

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IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0LINDSAY MARIE HELSEL RICHARD LEE MICHAEL DIRECTOR TREAS/SECR DAUGHTER VICTORIA CATHERINE MICHAEL RICHARD LEE MICHAEL PRES/VICE PR TREAS/SECR DAUGHTER
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1THE COMPANY IS A MUTUAL INSURANCE COMPANY AND AS SUCH ITS POLICYHOLDERS ANNUALLY ELECT THE BOARD OF DIRECTORS AND HAVE OVERSIGHT OF THE BOARD'S ACTIONS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2THE COMPANY IS A MUTUAL INSURANCE COMPANY AND AS SUCH ITS POLICYHOLDERS ANNUALLY ELECT THE BOARD OF DIRECTORS AND HAVE OVERSIGHT OF THE BOARD'S ACTIONS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3THE COMPANY IS A MUTUAL INSURANCE COMPANY AND AS SUCH ITS POLICYHOLDERS ANNUALLY ELECT THE BOARD OF DIRECTORS AND HAVE OVERSIGHT OF THE BOARD'S ACTIONS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4NO REVIEW IS PERFORMED.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5THE CONFLICT OF INTEREST POLICY IS REVIEWED ANNUALLY BY EACH DIRECTOR AND OFFICER.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6ALL GOVERNING DOCUMENTS, CONFLICT OF INTEREST STATEMENTS AND FINANCIAL STATEMENTS ARE AVAILABLE UPON REQUEST.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt7CHANGE IN NONADMITTED ASSETS 284 CHANGE IN PROVISION FOR REINSURANCE -64,400 TOTAL -64,116
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990, PAGE 6, PART VI, LINE 2
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990, PAGE 6, PART VI, LINE 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2FORM 990, PAGE 6, PART VI, LINE 7A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3FORM 990, PAGE 6, PART VI, LINE 7B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4FORM 990, PAGE 6, PART VI, LINE 11B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5FORM 990, PAGE 6, PART VI, LINE 12C
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6FORM 990, PAGE 6, PART VI, LINE 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc7FORM 990, PART XI, LINE 9
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IRS990/SignificantChangeInd0false
IRS990/SignificantNewProgramSrvcInd0false
IRS990/SubjectToExcsTaxNetInvstIncInd0false
IRS990/SubjectToProxyTaxInd0false
IRS990/SubjToTaxRmnrtnExPrchtPymtInd0false
IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TerminateOperationsInd0false
IRS990/TotalAssetsBOYAmt01340448
IRS990/TotalAssetsEOYAmt01453308
IRS990/TotalAssetsGrp/BOYAmt01340448
IRS990/TotalAssetsGrp/EOYAmt01453308
IRS990/TotalCompGreaterThan150KInd0false
IRS990/TotalEmployeeCnt03
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt00
IRS990/TotalFunctionalExpensesGrp/TotalAmt0633891
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt0428857
IRS990/TotalLiabilitiesEOYAmt0558803
IRS990/TotalLiabilitiesGrp/BOYAmt0428857
IRS990/TotalLiabilitiesGrp/EOYAmt0558803
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt0911591
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt0894505
IRS990/TotalProgramServiceRevenueAmt0530798
IRS990/TotalReportableCompFromOrgAmt036400
IRS990/TotalRevenueGrp/ExclusionAmt047775
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt0530798
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt0578573
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt01340448
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt01453308
IRS990/TravelGrp/TotalAmt02947
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd0false
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt032 SOUTH MAIN STREET
IRS990/USAddress/CityNm0MUNCY
IRS990/USAddress/StateAbbreviationCd0PA
IRS990/USAddress/ZIPCd017756
IRS990/VotingMembersGoverningBodyCnt07
IRS990/VotingMembersIndependentCnt05
IRS990/WebsiteAddressTxt0N/A
IRS990/WhistleblowerPolicyInd0false
ReturnHeader/BuildTS02025-03-06 01:10:19Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0VICTORIA CATHERINE MICHAEL
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0PRES, VP, DIRECTOR
ReturnHeader/BusinessOfficerGrp/PhoneNum05705468020
ReturnHeader/BusinessOfficerGrp/SignatureDt02025-05-14
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0WEST BRANCH MUTUAL INSURANCE
ReturnHeader/Filer/BusinessName/BusinessNameLine2Txt0COMPANY
ReturnHeader/Filer/BusinessNameControlTxt0WEST
ReturnHeader/Filer/EIN0240757710
ReturnHeader/Filer/PhoneNum05705468020
ReturnHeader/Filer/USAddress/AddressLine1Txt032 SOUTH MAIN STREET
ReturnHeader/Filer/USAddress/CityNm0MUNCY
ReturnHeader/Filer/USAddress/StateAbbreviationCd0PA
ReturnHeader/Filer/USAddress/ZIPCd017756
ReturnHeader/IRSResponsiblePrtyInfoCurrInd0true
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0251644159
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0BROWN PLUS
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt0210 GRANDVIEW AVE
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0CAMP HILL
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0PA
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd0170111706
ReturnHeader/PreparerPersonGrp/PhoneNum07177617171
ReturnHeader/PreparerPersonGrp/PreparationDt02025-05-14
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0MATTHEW HARVEY
ReturnHeader/ReturnTs02025-05-15T15:20:34-04:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02024-01-01
ReturnHeader/TaxPeriodEndDt02024-12-31
ReturnHeader/TaxYr02024

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