Civic Intelligence

Cambria County Mutual Insurance Company

EIN 25-1003416 • 501(c)15 • Patton, PA

Profile

Insurance company mission is to provide reasonable and affordable insurance coverage to it's policyholder/members.

814 5th AvenuePatton, PA 16668

n/A

Siviq Scores

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

Liabilities / Assets

81st percentile

0.09x

Higher debt load relative to assets than 81% of similar nonprofits.

<$500k nonprofits • Source year 2024

Liabilities / Revenue

92nd percentile

0.41x

Higher debt load relative to revenue than 92% of similar nonprofits.

<$500k nonprofits • Source year 2024

Net Margin

38th percentile

-5.0%

Higher net margin than 38% of similar nonprofits.

<$500k nonprofits • Source year 2024

Top Officer Pay

81st percentile

$0

Higher top officer pay than 81% of similar nonprofits.

Top officer pay equals 0.0% of source-year revenue.

<$500k nonprofits • Source year 2024

Asset Growth

60th percentile

1.9%

Faster asset growth than 60% of similar nonprofits.

<$500k nonprofits • Annualized from 2023 to 2024

Revenue Growth

90th percentile

104%

Faster revenue growth than 90% of similar nonprofits.

<$500k nonprofits • Annualized from 2023 to 2024

Balance Sheet
Liabilities / Assets81st percentile

Assets

Up

$315,716

Up $5,740 (+1.9%) from 2023

Liabilities

Up

$28,303

Up $3,215 (+13%) from 2023

Net Assets

Up

$287,413

Up $2,525 (+0.9%) from 2023

Operations
Liabilities / Revenue92nd percentileNet Margin38th percentile

Revenue

Up

$69,112

Up $35,299 (+104%) from 2023

Expenses

Down

$72,579

Down $1,519 (-2.0%) from 2023

Net Income

Up

-$3,467

Up $36,818 (+91%) from 2023

Trend Graphs

Balance Sheet Trend

Asset Growth60th percentile

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

$400K$300K$200K$100K$0Assets 2020: $361,234Liabilities 2020: $35,227Net Assets 2020: $326,0072020Assets 2021: $345,886Liabilities 2021: $42,696Net Assets 2021: $303,1902021Assets 2022: $303,410Liabilities 2022: $22,139Net Assets 2022: $281,2712022Assets 2023: $309,976Liabilities 2023: $25,088Net Assets 2023: $284,8882023Assets 2024: $315,716Liabilities 2024: $28,303Net Assets 2024: $287,4132024

Highlighted filing

2024

Assets$315,716
Liabilities$28,303
Net Assets$287,413
Open 2024 Filing

Operations Trend

Revenue Growth90th percentile

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

$100K$50K$0-$50KRevenue 2020: $75,952Expenses 2020: $71,312Net Income 2020: $4,6402020Revenue 2021: $71,524Expenses 2021: $91,243Net Income 2021: -$19,7192021Revenue 2022: $69,276Expenses 2022: $60,985Net Income 2022: $8,2912022Revenue 2023: $33,813Expenses 2023: $74,098Net Income 2023: -$40,2852023Revenue 2024: $69,112Expenses 2024: $72,579Net Income 2024: -$3,4672024

Highlighted filing

2024

Revenue$69,112
Expenses$72,579
Net Income-$3,467
Open 2024 Filing

Filings

Most recent year

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

Open filing
Assets
$315,716
Liabilities
$28,303
Net assets
$287,413
Revenue
$69,112
Expenses
$72,579
Net income
-$3,467
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$3.16$0.28$2.87$0.69$0.73$0.03
2023Detailed filing. Detailed filing data is available for this year.$3.10$0.25$2.85$0.34$0.74$0.40
2022Detailed filing. Detailed filing data is available for this year.$3.03$0.22$2.81$0.69$0.61$0.08
2021Detailed filing. Detailed filing data is available for this year.$3.46$0.43$3.03$0.72$0.91$0.20
2020Detailed filing. Detailed filing data is available for this year.$3.61$0.35$3.26$0.76$0.71$0.05
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
May 23, 2025
Return Version
2024v5.1
Gross Receipts
$98,035
Mission and Program Overview

Mission

Insurance company mission is to provide reasonable and affordable insurance coverage to it's policyholder/members.

Insurance company - provides affordable insurance to policyholders and members

Balance Sheet Detail
LineBeginningEndChange
Assets
Rtn Earn Endowment Incm Other Fnds$284,888$287,413▲ $2,525
Investments Program Related$212,578$224,280▲ $11,702
Savings and Temporary Cash Investments$94,129$83,574▼ $10,555
Cash and Non-Interest-Bearing Accounts$1,850$5,435▲ $3,585
Accounts Receivable$1,419$919▼ $500
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$309,976$315,716▲ $5,740
Other Assets Total$0$1,508▲ $1,508
Liabilities
Accounts Payable and Accrued Expenses$15,539$18,544▲ $3,005
Other Liabilities$9,549$9,759▲ $210
Total Liabilities$25,088$28,303▲ $3,215
Net Assets / Fund Balance
Total Net Assets Fund Balance$284,888$287,413▲ $2,525
Total Liabilities and Net Assets / Fund Balance$309,976$315,716▲ $5,740

Asset Categories

AssetBook ValueDepreciationBasis
Investment Program Related Org$4,924--
Compensation and Service Providers
Top Officer Pay81st percentile

Board Members and Trustees

NameTitle
Robert WestrickPresident/director
Gerald LeidenDirector
Leroy HooverDirector
Martin WestrickDirector
Michael GauseDirector
Patrick DummDirector
William HarteisDirector
William ItleDirector
William WestrickDirector
Adam ClapperSecretary/treasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$59,335
Investment Income
$9,777
Other Revenue
$0
Change in Net Assets
$-3,467
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$71,284
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Salaries, Compensation, and Employee Benefits$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Occupancy---$15,000
Fees for Services Accounting---$5,956
Insurance---$4,527
Other Expenses---$1,400
All Other Expenses---$1,352
Benefits to Members---$1,295
Travel---$916
Office Expenses---$121
Total Functional Expenses$0$0$0$72,579
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
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Unearned Premium$9,759
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Business relationship with 35% controlled entity
No
Business relationship with family members
No
Business relationship with organization members
No
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
No
Management duties delegated
No

Governance Explanations

Form 990, Part VI, Section A, Line 2

“Certain family relationships exist among various officers and directors.”

Form 990, Part VI, Section A, Line 6

“Cambria county mutual insurance company is a irc 501(c) 15 organization and has members(policyholders)”

Form 990, Part VI, Section A, Line 7A

“The board of directors is elected annually at the policyholders' meeting.”

Form 990, Part VI, Section B, Line 11B

“The form 990 is prepared and given to the secretary. The secretary presents the return at a board meeting for review and approval. The return is then signed by the appropriate officer and filed.”

Form 990, Part VI, Section B, Line 12C

“Board members annually disclose any conflict of interest.”

Form 990, Part VI, Section C, Line 19

“The governing documents of the organization are made available to the public upon request. The organization is required to follow the statutory laws and regulations promulgated by the pa insurance department in preparing it's books and records.”

Filing and Contact Details

Filer

Filer Name
Cambria County Mutual Insurance Company
EIN
25-1003416
Phone
8146745710
Address
814 5TH AVENUE, PATTON, PA 16668

Signing Officer

Name
Robert Westrick
Title
President
Phone
8146745710
Signed
2025-05-23
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Robert Westrick
Formed
1895
Legal Domicile
Pa
Voting Board Members
10
Independent Board Members
10
Employees
0
Volunteers
0

Preparer

Firm
Fiore Fedeli Snyder Carothers Llp
Address
1601 11TH AVENUE SUITE 101, ALTOONA, PA 16601
Preparer
Patrick J Fiore CPA
Phone
8149468896
Supplemental Narrative

Additional Explanations

FORM 990, PART XII, LINE 1:

“The pennsylvania insurance department requires the company to use statutory accounting principles.”

Raw XML AppendixShowing 400 of 460 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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IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt283119
IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt293166
IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt307890
IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt315285
IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt324935
IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt334994
IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt345009
IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt354995
IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt362992
IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt374924
IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc0GILEAD SCIENCES
IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc1ABBOTT LABS SR NOTE
IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc2COMCAST CORP NEW
IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc3WALT DISNEY
IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc4LOWES COS INC
IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc5APPLE INC
IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc6HOME DEPOT
IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc7NORTHRUP GRUMAN CORP
IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc8PPG INDS INC
IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc9SALESFORCE COM INC
IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc10CSX CORP
IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc11LILLY ELI & CO
IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc12BLACKROCK INC
IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc13ADOBE INC
IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc14AMGEN INC
IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc15TARGET COP
IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc16AMAZON COM
IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc17HONEYWELL INTL INC
IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc18COCA COLA INC
IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc19FLORIDA PWR & LIGHT CO
IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc20COSTCO WHSL CORP
IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc21EATON CORP OH
IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc22GEN MILLS INC
IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc23US TREASURY NOTE
IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc24ISHARES RUSSELL MID CAP VALUE ETF
IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc25ISHARES RUSSELL MID CAP GROWTH ETF
IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc26ISHARES RUSSELL 1000 VALUE ETF
IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc27ISHARES RUSSELL 1000 GROWTH ETF
IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc28ISHARES RUSSELL 2000 VALUE ETF
IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc29ISHARES RUSSELL 2000 GROWTH ETF
IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc30VANGUARD FTSE DEVELOPED MKTS ETF
IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc31VANGUARD FTSE EMERGING MKTS ETF
IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc32PRICELINE
IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc33THERMO FISHER
IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc34INTUIT INC
IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc35BRISTOL MYERS SQUIB CO
IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc36CISCO SYS
IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc37US TREASURY NOTE
IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd0F
IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd1F
IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd2F
IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd3F
IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd4F
IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd5F
IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd6F
IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd7F
IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd8F
IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd9F
IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd10F
IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd11F
IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd12F
IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd13F
IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd14F
IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd15F
IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd16F
IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd17F
IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd18F
IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd19F
IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd20F
IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd21F
IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd22F
IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd23F
IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd24F
IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd25F
IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd26F
IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd27F
IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd28F
IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd29F
IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd30F
IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd31F
IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd32F
IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd33F
IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd34F
IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd35F
IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd36F
IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd37F
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt09759
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0UNEARNED PREMIUM
IRS990ScheduleD/TotalBookValueLandBuildingsAmt00
IRS990ScheduleD/TotalBookValueProgramRltdAmt0224280
IRS990ScheduleD/TotalLiabilityAmt09759
IRS990/ScheduleJRequiredInd00
IRS990/ScheduleORequiredInd01
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0CERTAIN FAMILY RELATIONSHIPS EXIST AMONG VARIOUS OFFICERS AND DIRECTORS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1CAMBRIA COUNTY MUTUAL INSURANCE COMPANY IS A IRC 501(C) 15 ORGANIZATION AND HAS MEMBERS(POLICYHOLDERS)
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2THE BOARD OF DIRECTORS IS ELECTED ANNUALLY AT THE POLICYHOLDERS' MEETING.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3THE FORM 990 IS PREPARED AND GIVEN TO THE SECRETARY. THE SECRETARY PRESENTS THE RETURN AT A BOARD MEETING FOR REVIEW AND APPROVAL. THE RETURN IS THEN SIGNED BY THE APPROPRIATE OFFICER AND FILED.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4BOARD MEMBERS ANNUALLY DISCLOSE ANY CONFLICT OF INTEREST.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5THE GOVERNING DOCUMENTS OF THE ORGANIZATION ARE MADE AVAILABLE TO THE PUBLIC UPON REQUEST. THE ORGANIZATION IS REQUIRED TO FOLLOW THE STATUTORY LAWS AND REGULATIONS PROMULGATED BY THE PA INSURANCE DEPARTMENT IN PREPARING IT'S BOOKS AND RECORDS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6THE PENNSYLVANIA INSURANCE DEPARTMENT REQUIRES THE COMPANY TO USE STATUTORY ACCOUNTING PRINCIPLES.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990, PART VI, SECTION A, LINE 2
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990, PART VI, SECTION A, LINE 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2FORM 990, PART VI, SECTION A, LINE 7A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3FORM 990, PART VI, SECTION B, LINE 11B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4FORM 990, PART VI, SECTION B, LINE 12C
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5FORM 990, PART VI, SECTION C, LINE 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6FORM 990, PART XII, LINE 1:
IRS990/SchoolOperatingInd00
IRS990/SignificantChangeInd00
IRS990/SignificantNewProgramSrvcInd00
IRS990/StatesWhereCopyOfReturnIsFldCd0PA
IRS990/SubjectToExcsTaxNetInvstIncInd00
IRS990/SubjectToProxyTaxInd00
IRS990/SubjToTaxRmnrtnExPrchtPymtInd00
IRS990/TaxablePartyNotificationInd00
IRS990/TaxExemptBondsInd00
IRS990/TerminateOperationsInd00
IRS990/TotalAssetsBOYAmt0309976
IRS990/TotalAssetsEOYAmt0315716
IRS990/TotalAssetsGrp/BOYAmt0309976
IRS990/TotalAssetsGrp/EOYAmt0315716
IRS990/TotalCompGreaterThan150KInd00
IRS990/TotalEmployeeCnt00

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