Civic Intelligence

West Branch Mutual Insurance

990 • Fiscal year 2021 • EIN 24-0757710

Jan 01, 2021 to Dec 31, 2021 • Filed on May 17, 2022

Organization ProfileN/A
32 South Main StreetMuncy, PA 17756

(570) 546-8020

Siviq Scores

Precomputed percentiles for this filing year versus similar nonprofits in the same peer cohort.

Liabilities / Assets

80th percentile

0.28x

Higher debt load relative to assets than 80% of similar nonprofits.

2021 filings • $1M-$5M nonprofits • Source year 2021

Liabilities / Revenue

87th percentile

0.81x

Higher debt load relative to revenue than 87% of similar nonprofits.

2021 filings • $1M-$5M nonprofits • Source year 2021

Net Margin

46th percentile

11%

Higher net margin than 46% of similar nonprofits.

2021 filings • $1M-$5M nonprofits • Source year 2021

Top Officer Pay

53rd percentile

$20,000

Higher top officer pay than 53% of similar nonprofits.

Top officer pay equals 3.9% of source-year revenue.

2021 filings • $1M-$5M nonprofits • Source year 2021

Asset Growth

35th percentile

2.0%

Faster asset growth than 35% of similar nonprofits.

2021 filings • $1M-$5M nonprofits • Annualized from 2019 to 2021

Revenue Growth

38th percentile

4.1%

Faster revenue growth than 38% of similar nonprofits.

2021 filings • $1M-$5M nonprofits • Annualized from 2019 to 2021

Balance Sheet
Liabilities / Assets80th percentile

Assets

Up

$1,476,469

Up $57,788 (+4.1%) from 2019

Net Assets

Up

$1,056,442

Up $55,008 (+5.5%) from 2019

Liabilities

Up

$420,027

Up $2,780 (+0.7%) from 2019

Revenue And Expenses
Liabilities / Revenue87th percentileNet Margin46th percentile

Revenue

Up

$519,174

Up $40,039 (+8.4%) from 2019

Expenses

Down

$461,288

Down $849 (-0.2%) from 2019

Net Income

Up

$57,886

Up $40,888 (+241%) from 2019

Historical Trend

Balance Sheet Trend

Asset Growth35th percentile

The highlighted filing sits inside the broader history for assets, liabilities, and net assets.

$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

2021

Assets$1,476,469
Liabilities$420,027
Net Assets$1,056,442
Open 2021 Filing

Operations Trend

Revenue Growth38th percentile

Revenue, expenses, and net income across loaded years, with this 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

2021

Revenue$519,174
Expenses$461,288
Net Income$57,886
Open 2021 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2021 to Dec 31, 2021
Signed
May 17, 2022
Return Version
2021v4.0
Gross Receipts
$959,367
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
Investments in Publicly Traded Securities$1,006,355$1,149,183▲ $142,828
Rtn Earn Endowment Incm Other Fnds$919,981$1,056,442▲ $136,461
Savings and Temporary Cash Investments$239,340$233,651▼ $5,689
Accounts Receivable$42,109$45,175▲ $3,066
Total Assets$1,338,028$1,476,469▲ $138,441
Other Assets Total$50,224$48,460▼ $1,764
Liabilities
Other Liabilities$326,806$320,978▼ $5,828
Accounts Payable and Accrued Expenses$91,241$99,049▲ $7,808
Total Liabilities$418,047$420,027▲ $1,980
Net Assets / Fund Balance
Total Net Assets Fund Balance$919,981$1,056,442▲ $136,461
Total Liabilities and Net Assets / Fund Balance$1,338,028$1,476,469▲ $138,441
Compensation and Service Providers
Top Officer Pay53rd percentile

Employees

NameTitleFull / Part TimeBaseTotal
Victoria Catherine MichaelPres, VP, DiPT$20,000$20,000
Richard Lee MichaelSecy,treas,PT$10,610$10,610
James Luther SnyderDirector-$200$200
Lindsay Marie HelselDirector-$200$200
Nathan B HaferDirector-$200$200
Robert Patrick HagerDirector-$200$200
Thomas Daniel HessDirector-$200$200
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$475,296
Investment Income
$26,938
Other Revenue
$16,940
Change in Net Assets
$57,886
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$369,369
Salaries, Compensation, and Employee Benefits$91,919
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
All Other Expenses---$40,055
Current Officers, Directors, Trustees, and Key Employees---$31,610
Other Salaries and Wages---$29,717
Other Employee Benefits---$25,368
Other Expenses---$25,025
Fees for Services Accounting---$13,654
Insurance---$7,197
Office Expenses---$5,272
Payroll Taxes---$5,224
Travel---$2,640
Occupancy---$160
Total Functional Expenses$0$0$0$461,288
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$81,233
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Unearned Premiums$229,488
Other Liability$46,652
Reserves for Loss and Lae$24,000
Advance Premiums$19,849
Ceded Reinsurance Balances$989
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
2022-05-17
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 Schultz Sheridan & Fritz
Address
210 GRANDVIEW AVE, CAMP HILL, PA 17011-1706
Preparer
Henry J Straub
Phone
7177617171
Supplemental Narrative

Additional Explanations

Form 990

“As a result of tax law changes in 2004, the company is exempt from tax under irc section 501(c)(15). In tax year 2020 the taxpayer exceeded the threshold for gross receipts to be exempt under irc section 501(c)(15), thus filing form 1120-pc u.s. Property and casualty insurance company income tax return.”

Form 990, Part XI, Line 9

“Change in non-admitted assets -2,407”

Raw XML Appendix330 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/ExplanationTxt0AS A RESULT OF TAX LAW CHANGES IN 2004, THE COMPANY IS EXEMPT FROM TAX UNDER IRC SECTION 501(C)(15). IN TAX YEAR 2020 THE TAXPAYER EXCEEDED THE THRESHOLD FOR GROSS RECEIPTS TO BE EXEMPT UNDER IRC SECTION 501(C)(15), THUS FILING FORM 1120-PC U.S. PROPERTY AND CASUALTY INSURANCE COMPANY INCOME TAX RETURN.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1LINDSAY MARIE HELSEL RICHARD LEE MICHAEL DIRECTOR TREAS/SECR DAUGHTER VICTORIA CATHERINE MICHAEL RICHARD LEE MICHAEL PRES/VICE PR TREAS/SECR DAUGHTER
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/ExplanationTxt4THE 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/ExplanationTxt5NO REVIEW IS PERFORMED.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6THE CONFLICT OF INTEREST POLICY IS REVIEWED ANNUALLY BY EACH DIRECTOR AND OFFICER.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt7ALL GOVERNING DOCUMENTS, CONFLICT OF INTEREST STATEMENTS AND FINANCIAL STATEMENTS ARE AVAILABLE UPON REQUEST.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt8CHANGE IN NON-ADMITTED ASSETS -2,407
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990, PAGE 6, PART VI, LINE 2
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2FORM 990, PAGE 6, PART VI, LINE 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3FORM 990, PAGE 6, PART VI, LINE 7A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4FORM 990, PAGE 6, PART VI, LINE 7B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5FORM 990, PAGE 6, PART VI, LINE 11B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6FORM 990, PAGE 6, PART VI, LINE 12C
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc7FORM 990, PAGE 6, PART VI, LINE 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc8FORM 990, PART XI, LINE 9
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IRS990/SubjectToExcsTaxNetInvstIncInd0false
IRS990/SubjectToProxyTaxInd0false
IRS990/SubjToTaxRmnrtnExPrchtPymtInd0false
IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TerminateOperationsInd0false
IRS990/TotalAssetsBOYAmt01338028
IRS990/TotalAssetsEOYAmt01476469
IRS990/TotalAssetsGrp/BOYAmt01338028
IRS990/TotalAssetsGrp/EOYAmt01476469
IRS990/TotalCompGreaterThan150KInd0false
IRS990/TotalEmployeeCnt03
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt00
IRS990/TotalFunctionalExpensesGrp/TotalAmt0461288
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt0418047
IRS990/TotalLiabilitiesEOYAmt0420027
IRS990/TotalLiabilitiesGrp/BOYAmt0418047
IRS990/TotalLiabilitiesGrp/EOYAmt0420027
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt0919981
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt01056442
IRS990/TotalProgramServiceRevenueAmt0475296
IRS990/TotalReportableCompFromOrgAmt031610
IRS990/TotalRevenueGrp/ExclusionAmt026938
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt0492236
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt0519174
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt01338028
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt01476469
IRS990/TravelGrp/TotalAmt02640
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/BuildTS02022-09-23 18:48:47Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0VICTORIA CATHERINE MICHAEL
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0PRES, VP, DIRECTOR
ReturnHeader/BusinessOfficerGrp/PhoneNum05705468020
ReturnHeader/BusinessOfficerGrp/SignatureDt02022-05-17
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/PreparerFirmGrp/PreparerFirmEIN0251644159
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0BROWN SCHULTZ SHERIDAN & FRITZ
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt0210 GRANDVIEW AVE
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0CAMP HILL
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0PA
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd0170111706
ReturnHeader/PreparerPersonGrp/PhoneNum07177617171
ReturnHeader/PreparerPersonGrp/PreparationDt02022-05-17
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0HENRY J STRAUB
ReturnHeader/ReturnTs02022-05-20T10:30:56-05:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/SigningOfficerGrp/PersonFullName/PersonFirstNm0VICTORIA
ReturnHeader/SigningOfficerGrp/PersonFullName/PersonLastNm0MICHAEL
ReturnHeader/TaxPeriodBeginDt02021-01-01
ReturnHeader/TaxPeriodEndDt02021-12-31
ReturnHeader/TaxYr02021

Document Assets

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Filings

Displayed year

2021 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$1,476,469
Liabilities
$420,027
Net assets
$1,056,442
Revenue
$519,174
Expenses
$461,288
Net income
$57,886
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